---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-23-000045"
form_type: "8-K"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2023-10-17T23:59:59+00:00"
generated_at: "2026-06-09T22:54:45.973501+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial Q3 net income $69.5M ($0.42 EPS); net interest margin stable at 3.40%

## Summary
- Net income available to common shareholders of $69.5M, down 9.7% from Q2 2023; operating EPS of $0.43.
- Net interest income of $213.8M, up $1.0M linked quarter; net interest margin held at 3.40%.
- Average net loans increased $255M linked quarter and $1.6B YoY; deposit and loan growth continued.
- Provision for credit losses of $9.9M vs. $9.7M in Q2 2023; non-performing assets fell to 0.52% of assets.
- Non-interest income down 7.6% linked quarter due to $3.0M swap valuation hit from LIBOR-to-SOFR transition.

## SEC filing metadata
- accession: 0000700564-23-000045
- form_type: 8-K
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2023-10-17T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/700564/000070056423000045/0000700564-23-000045-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056423000045/fult-20231017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-23-000045
- JSON: https://secwatch.observer/filing/0000700564-23-000045.json
- Plain text: https://secwatch.observer/filing/0000700564-23-000045.txt

## Key facts
- Earnings Releases
  FULTON FINANCIAL CORP reported financial results for the nine months ended September 30, 2023.
  - Period: the nine months ended September 30, 2023
  - Result: reported results
  source text: On October 17, 2023, Fulton Financial Corporation (the "Corporation") issued a press release (the "Press Release") announcing its results of operations for the third quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000045/0000700564-23-000045-index.htm
- Earnings Releases
  FULTON FINANCIAL CORP reported financial results for the third quarter ended September 30, 2023.
  - Period: the third quarter ended September 30, 2023
  - Result: reported results
  source text: On October 17, 2023, Fulton Financial Corporation (the "Corporation") issued a press release (the "Press Release") announcing its results of operations for the third quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/700564/000070056423000045/0000700564-23-000045-index.htm

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