---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-25-000037"
form_type: "8-K/A"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2025-07-16T23:59:59+00:00"
generated_at: "2026-05-18T06:21:50.366869+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial posts record operating net income of $100.6M in Q2 2025

## Summary
- Operating EPS $0.55 (diluted) vs $0.52 in Q1 2025; GAAP EPS $0.53.
- Net interest income $254.9M, up $3.7M QoQ; net interest margin 3.47%.
- Net loans grew $150M to $24.0B; deposits fell $190.9M to $26.1B.
- Provision for credit losses $8.6M; ACL ratio 1.57% of net loans.
- 8-K/A corrects NII guidance range from 'millions' to 'billions' on slide 10.

## SEC filing metadata
- accession: 0000700564-25-000037
- form_type: 8-K/A
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2025-07-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/700564/000070056425000037/0000700564-25-000037-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056425000037/fult-20250715.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-25-000037
- JSON: https://secwatch.observer/filing/0000700564-25-000037.json
- Plain text: https://secwatch.observer/filing/0000700564-25-000037.txt

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