富尔顿金融 2026年季度报告

(Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2026, orTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File No. 001-39680 FULTON FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Pennsylvania(State or other jurisdiction ofincorporation or organization) 23-2195389(I.R.S. EmployerIdentification No.)17604(Zip Code) (717) 291-2411(Registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has beensubject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer", "smaller reporting company"and "emerging growth company" in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ APPLICABLE ONLY TO CORPORATE ISSUERS: Indicate the number of shares outstanding of each of the issuer’s classes of commonstock, as of the latest practicable date: Common Stock, $2.50 Par Value–190,914,563shares outstanding as of July 31, 2026. FULTON FINANCIAL CORPORATIONFORM 10-Q INDEX Glossary of TermsPART I. FINANCIAL INFORMATION Item 1. Financial Statements:(a)Consolidated Balance Sheets - June 30, 2026 and December 31, 20256(b)Consolidated Statements of Income - Three months and six months endedJune 30, 2026 and 20257(c)Consolidated Statements of Comprehensive Income - Three months and six months ended June 30, 2026 and 20258(d)Consolidated Statements of Shareholders’ Equity - Three months and six months ended June 30, 2026 and 20259(e)Consolidated Statements of Cash Flows - Six months ended June 30, 2026 and 202510(f)Notes to Consolidated Financial Statements11Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations38Item 3. Quantitative and Qualitative Disclosures About Market Risk63Item 4. Controls and Procedures66PART II. OTHER INFORMATIONItem 1. Legal Proceedings67Item 1A. Risk Factors67Item 2. Unregistered Sales of Equity Securities and Use of Proceeds67Item 3. Defaults Upon Senior Securities - (not applicable)Item 4. Mine Safety Disclosures - (not applicable)Item 5. Other Information67Item 6. Exhibits69Signatures70 Note: Some numbers contained in the document may not sum due to rounding GLOSSARY OF DEFINED ACRONYMSAND TERMS ReserveBoardBoardof Governors of theFederal Reserve SystemFHLBFederal Home Loan BankFRBFederal Reserve BankFTEFully taxable-equivalentFulton Bankor the BankFulton Bank, N.A.FultonFirstStrategicinitiativeimplementedbytheCorporationGAAPU.S.generallyacceptedaccounting principlesGSEsU.S.Government-sponsoredenterprises or agenciesHTMHeld to maturityLGDLoss given defaultLTVLoan-to-valueManagement'sDiscussionManagement's Discussion andAnalysisofFinancialConditionand Results ofOperationsMSRsMortgage servicing rightsNet loansLoanand lease receivables(net of unearned income) FORWARD-LOOKING STATEMENTS The Corporation has made, and may continue to make, certain forward-looking statements with respect to its financial condition,results of operations and business. Do not unduly rely on forward-looking statements. Forward-looking statements can be identified bythe use of words such as "may," "should," "will," "could," "estimates," "predicts," "potential," "continue," "anticipates," "believes,""plans," "expects," "future," "intends," "projects," the negative of these terms and other comparable terminology. These forward-looking statements may include projections of, or guidance on, the Corporation's future financial performance, expected levels offuture expenses, including future credit losses, anticipated growth strategies, descriptions of new business initiatives and anticipatedtrends in the Corporation's business or financial results. Forward-looking