---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-23-000036"
form_type: "8-K"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2023-07-18T23:59:59+00:00"
generated_at: "2026-06-13T07:19:38.565988+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial Q2 net income $77M, EPS $0.46, up 17% QoQ; NIM falls to 3.40%

## Summary
- Net income $77M, $0.46 diluted EPS; operating EPS $0.47.
- Net interest margin 3.40%, down 13 bps QoQ as deposit costs rose.
- Provision for credit losses $9.7M, down from $24.5M Q1; net charge-offs 0.04%.
- Non-performing assets $151.6M (0.55% of assets), improved from Q1's $167.9M.

## SEC filing metadata
- accession: 0000700564-23-000036
- form_type: 8-K
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2023-07-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 5.05, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/700564/000070056423000036/0000700564-23-000036-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056423000036/fult-20230718.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-23-000036
- JSON: https://secwatch.observer/filing/0000700564-23-000036.json
- Plain text: https://secwatch.observer/filing/0000700564-23-000036.txt

## Key facts
- Earnings Releases
  FULTON FINANCIAL CORP reported the second quarter ended June 30, 2023 results: net income $77.0 million, EPS $0.46 per diluted share.
  - Period: the second quarter ended June 30, 2023
  - Net income: $77.0 million
  - EPS: $0.46 per diluted share
  - Result: reported results
  source text: Fulton Financial Corporation (NASDAQ:FULT) (“Fulton” or the “Corporation”) reported net income available to common shareholders of $77.0 million, or $0.46 per diluted share, for the second quarter of 2023, an increase of $11.3 million, or 17.2%, in comparison to the first quarter of 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000036/0000700564-23-000036-index.htm
- Earnings Releases
  FULTON FINANCIAL CORP reported the six months ended June 30, 2023 results: net income $142.8 million, EPS $0.85 per diluted share.
  - Period: the six months ended June 30, 2023
  - Net income: $142.8 million
  - EPS: $0.85 per diluted share
  - Result: reported results
  source text: For the six months ended June 30, 2023, net income available to shareholders was $142.8 million, or $0.85 per diluted share, an increase of $13.6 million, or 10.6%, in comparison to the same period in 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000036/0000700564-23-000036-index.htm
- Governance Changes
  FULTON FINANCIAL CORP: 修订行为准则，将礼物价值从固定美元限额改为合理价值，并包含其他非实质性修订 (effective 2023-07-18).
  - Change: code of ethics
  - Effective: 2023-07-18
  source text: On July 18, 2023, the Corporation's Board of Directors (the "Board") approved a Code of Conduct (the "Code"). The Code supersedes the Corporation's Code of Conduct previously adopted by the Board (the "Prior Code"). The Code applies to all employees and directors of the Corporation and each of its subsidiary and affiliate entities and reflects the Corporation's commitment to the highest professional and ethical standards in all of the Corporation's business activities. The Prior Code included a fixed dollar limit on the value of gifts that could be given or received. The Code now permits the giving or acceptance of gifts that are of reasonable value.
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000036/0000700564-23-000036-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.