{"schema_version":"secwatch.filing_event.v1","accession":"0000700564-25-000002","form_type":"8-K","ticker":"FULT","cik":"0000700564","company_name":"FULTON FINANCIAL CORP","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.091374+00:00","generated_at":"2026-05-27T22:38:12.178911+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Fulton Financial reports record operating EPS of $1.85 for 2024; Q4 operating EPS $0.48","bullets":["Q4 net income available to common $66.1M ($0.36 diluted); operating net income $88.9M ($0.48 diluted).","Full-year 2024 operating net income $328.1M ($1.85 diluted), up 8% YoY from $1.71.","Net interest margin 3.41%; cost of funds down 14 bps QoQ; avg noninterest-bearing deposits up $62M.","Loans $24.0B (-$131M QoQ); deposits $26.1B (-$23M); provision $16.7M; NPAs 0.69% of assets.","Acquisition-related costs $9.6M; FultonFirst consolidation costs $10.0M; operating expenses fell $5.5M QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0000700564-25-000002","json":"https://secwatch.observer/filing/0000700564-25-000002.json","markdown":"https://secwatch.observer/filing/0000700564-25-000002.md","text":"https://secwatch.observer/filing/0000700564-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/700564/000070056425000002/0000700564-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/700564/000070056425000002/fult-20250121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:38:12.178911+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}