---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-25-000034"
form_type: "8-K"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2025-07-15T23:59:59+00:00"
generated_at: "2026-05-18T06:34:17.380064+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial Q2 2025 net income $96.6M ($0.53 GAAP EPS); record operating net income $100.6M

## Summary
- Q2 net income to common $96.6M ($0.53 diluted GAAP EPS); operating net income $100.6M ($0.55 diluted), a company record.
- Net interest margin 3.47%; net loans up $150M to $24.0B; deposits down $190.9M to $26.1B.
- Non-interest income $69.1M (+$1.9M QoQ); non-interest expense $192.8M (+$3.4M); provision for credit losses $8.6M.
- Non-performing assets $215.6M (0.67% of assets) vs $199.0M (0.62% prior); annualized net charge-offs 0.20% of avg loans.

## SEC filing metadata
- accession: 0000700564-25-000034
- form_type: 8-K
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2025-07-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/700564/000070056425000034/0000700564-25-000034-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056425000034/fult-20250715.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-25-000034
- JSON: https://secwatch.observer/filing/0000700564-25-000034.json
- Plain text: https://secwatch.observer/filing/0000700564-25-000034.txt

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