---
schema_version: "secwatch.filing_event.v1"
accession: "0000700564-25-000052"
form_type: "8-K"
ticker: "FULT"
cik: "0000700564"
company_name: "FULTON FINANCIAL CORP"
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T03:08:18.579335+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Fulton Financial Q3 net income $97.9M, operating EPS $0.55; record operating income

## Summary
- Net income available to common shareholders $97.9M ($0.53 diluted EPS); operating net income $101.3M ($0.55 diluted EPS).
- Net interest margin 3.57%; total cost of funds decreased 4 bps QoQ.
- Non-performing assets $201M (0.63% of assets), down from $215.6M; annualized net charge-offs 0.18%.
- Repurchased 1.65M shares at avg $18.67 under $125M authorization; $85.6M remaining.
- Common equity tier 1 capital ratio improved to 11.5% from 11.3%; allowance for credit losses 1.57% of net loans.

## SEC filing metadata
- accession: 0000700564-25-000052
- form_type: 8-K
- ticker: FULT
- cik: 0000700564
- company_name: FULTON FINANCIAL CORP
- filed_at: 2025-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/700564/000070056425000052/0000700564-25-000052-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700564/000070056425000052/fult-20251021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000700564-25-000052
- JSON: https://secwatch.observer/filing/0000700564-25-000052.json
- Plain text: https://secwatch.observer/filing/0000700564-25-000052.txt

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