Fulton Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Fulton Bank, N.A. is an FDIC-insured commercial bank headquartered in Lancaster, PA, established in 1882 (FDIC certificate 7551), and it is supervised by the OCC. At Q2 2026 it reported total assets of $32.56B, up 2.1% from Q2 2025, the 2nd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 13.03% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7551
- Headquarters
- Lancaster, PA
- Established
- 1882
- Total assets, Q2 2026
- $32.56B
- Assets vs Q2 2025
- +2.1%
- CET1 ratio, Q2 2026
- 13.03%
- Domestic offices
- 208 FDIC institution directory, current count
- Routing number
- 031301422
- Latest call report
- Q2 2026, FFIEC 041 · Fulton Bank, N.A. call report
- Holding company
- FULTON FINANCIAL CORPORATION
- Asset rank in state
- 2nd of 109 in Pennsylvania
Fulton Bank, N.A., based in Lancaster, Pennsylvania, reported $32.6 billion in assets at June 30, 2026, up 2.1% from a year earlier. It grew its loan book 1.5% over the year, a small fraction of the median of 6.3% for the 124 banks with $10 billion to $100 billion in assets.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.71% of loans, down from 0.89% a year earlier.
As of June 30, 2026, Fulton Bank, N.A. reported a CET1 capital ratio of 13.03%, a return on assets of 1.36%, a nonperforming-loan ratio of 0.71% and a Texas ratio of 5.27%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Fulton Bank, N.A. is the 2nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $32.56B, loans rose 0.5% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.5% of total loans, followed by non-owner-occupied commercial real estate loans at 16.7%. On its Q2 2026 call report, Fulton Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Penn Sq, Lancaster, PA 17602
- County
- Lancaster
- Metro Area
- Lancaster, PA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1882
- Former names
- Fulton Bank (1974-2009); The Fulton National Bank of Lancaster (1972-1974)
- Domestic offices
- 208 FDIC institution directory, current count
- Employees (FTE)
- 3,416
- Domestic deposits
- $27.42B
- Allowance for credit losses
- $354.0M
- Net charge-offs (YTD)
- $36.9M
- Average total assets
- $32.46B
- Average total loans
- $24.01B
- Average interest-bearing deposits
- $21.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7551
- Fed RSSD
- 474919
- SEC CIK
- 700564 → filed by FULTON FINANCIAL CORPORATION
- Website
- www.fultonbank.com →
- Parent Holding Company
- FULTON FINANCIAL CORPORATION (RSSD 1117129) · FULT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Curtis J Myers | CEO | Chairman & CEO |
| Angela M Snyder | PRES | President |
| Richard S Kraemer | CFO | SEVP & CFO |
| Kevin C Gremer | COO | SEVP Chief Operations & Tech |
| Atul Malhotra | CRO | Chief Risk Officer |
| Natasha R. Luddington | GC | Sr.EVP & Chief Legal Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fulton Bank, N.A.'s total assets ran between $27.25B (Q3 2023) and $32.56B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$32.56B total assets against $31.90B; $28.94B total liabilities against $28.47B.
$24.05B net loans and leases against $23.66B; $27.42B total deposits against $26.38B.
$5.07B securities against $5.11B; $1.18B cash and balances due against $784.7M.
$399.7M total interest income against $402.8M; $126.5M total interest expense against $143.2M.
$273.2M net interest income against $259.6M.
$80.6M total noninterest income against $70.7M; $208.9M total noninterest expense against $188.2M.
$7.1M provision for credit losses against $8.6M.
$110.2M net income against $107.1M.
1.36% return on assets against 1.33%; 3.63% net interest margin against 3.49%.
13.03% CET1 capital ratio against 12.43%; 10.20% tier 1 leverage ratio against 9.80%.
Inside the full Fulton Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFulton Bank, N.A. rankings
Its closest position to the top of a national ranking is 66 of 4,196, for total assets; its furthest is 1,388 of 2,134, for CET1 ratio.
Banks merged into Fulton Bank, N.A.
- Blue Foundry Bank, effective July 11, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q3 2024) to 1.38% (Q4 2025) and its net interest margin ran from 3.42% (Q1 2025) to 3.63% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.03% | 1.36% | 0.71% | 5.27% | 3.63% |
| Q1 2026 | 12.94% | 1.24% | 0.72% | 5.39% | 3.58% |
| Q4 2025 | 12.84% | 1.38% | 0.76% | 5.64% | 3.63% |
| Q3 2025 | 12.70% | 1.35% | 0.83% | 6.23% | 3.62% |
| Q2 2025 | 12.43% | 1.33% | 0.89% | 6.87% | 3.49% |
| Q1 2025 | 12.31% | 1.22% | 0.82% | 6.42% | 3.42% |
| Q4 2024 | 12.08% | 0.95% | 0.91% | 7.29% | 3.44% |
| Q3 2024 | 11.94% | 0.87% | 0.84% | 6.63% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 205 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fulton Bank, N.A. (main office) | Lancaster , PA | 17602 | $2.10B |
| 1601 Market Street | Philadelphia , PA | 19103 | $468.0M |
| Ellicott City Branch | Ellicott City , MD | 21042 | $387.3M |
| Cherry Hill Branch | Cherry Hill , NJ | 08034 | $359.6M |
| Trindle Road Branch | Camp Hill , PA | 17011 | $341.3M |
| Downtown York Branch | York , PA | 17401 | $327.2M |
| Marlton Branch | Marlton , NJ | 08053 | $326.8M |
| Westgate Branch | York , PA | 17408 | $295.6M |
| Washington Township Branch | Sewell , NJ | 08080 | $295.0M |
| Cocalico Branch | Denver , PA | 17517 | $288.0M |
| West Lawn Branch | West Lawn , PA | 19609 | $274.2M |
| Mountville Branch | Mountville , PA | 17554 | $265.0M |
| Voorhees Branch | Voorhees , NJ | 08043 | $258.2M |
| South End Hagerstown Branch | Hagerstown , MD | 21740 | $249.6M |
| Southampton Branch | Southampton , PA | 18966 | $246.8M |
| William Penn Highway Branch | Easton , PA | 18045 | $243.2M |
| Tilghman Street Branch | Allentown , PA | 18104 | $242.7M |
| Montgomeryville Branch | North Wales , PA | 19454 | $242.4M |
| Downtown Harrisburg Branch | Harrisburg , PA | 17101 | $236.1M |
| Myerstown Branch | Myerstown , PA | 17067 | $235.8M |
| Mantua Branch | Mantua , NJ | 08051 | $235.7M |
| Woodstown Branch | Woodstown , NJ | 08098 | $233.9M |
| Palmyra Shopping Center Branch | Palmyra , PA | 17078 | $233.1M |
| West Berlin Branch | West Berlin , NJ | 08091 | $231.9M |
| Willow Valley Square Branch | Lancaster , PA | 17602 | $230.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 11, 2026 | Structure Change | Acquired Blue Foundry Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 27, 2024 | Structure Change | Acquired Republic First Bank dba Republic Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 26, 2024 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 5, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 2022 | Structure Change | Acquired Prudential Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 14, 2019 | Structure Change | Acquired The Columbia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 14, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2019 | Structure Change | Acquired Fulton Bank of New Jersey Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2018 | Structure Change | Acquired Swineford National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2010 | Structure Change | Acquired Delaware National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2010 | Structure Change | Acquired Fulton Financial Advisors, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2010 | M&A | Acquired Fulton Financial Advisors, N.A. merger for the acquired bank | SEC |
| January 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 2008 | Structure Change | Acquired Resource Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 28, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 28, 2007 | Structure Change | Acquired Lebanon Valley Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 2006 | Structure Change | Acquired Premier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 2001 | Structure Change | Acquired The Drovers & Mechanics Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 2000 | Structure Change | Acquired Great Valley Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1993 | Structure Change | Acquired The Denver National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 1974 | Structure Change | Acquired The Hummelstown National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1973 | Structure Change | Acquired The Leola National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1969 | Structure Change | Acquired Keystone Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 16, 1963 | Structure Change | Acquired Keystone National Bank of Manheim Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1962 | Structure Change | Acquired Gap National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 36 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- July 14, 2014, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Fulton Bank, National Association
- September 18, 2013, OCC: Civil Money Penalty (CMP): Fulton Bank, National Association
- Period: Most recent institution action July 14, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.8% of deposits in PA, rank 10 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9,774 applications, 6,400 loans originated, $2.25B originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 91 loans, $67.5M approved, $741K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fulton Bank, N.A.
What are Fulton Bank, N.A.'s total assets?
As of the Q2 2026 filing, Fulton Bank, N.A. reported total assets of $32.56 billion in its FFIEC call report.
Where is Fulton Bank, N.A. headquartered?
It is headquartered in Lancaster, PA, United States.
When was Fulton Bank, N.A. founded?
It was established in 1882, per the FDIC institution directory.
Is Fulton Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7551). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fulton Bank, N.A.?
Fulton Bank, N.A.'s primary federal regulator is the OCC.
What is Fulton Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.03% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Fulton Bank, N.A. operate?
It operates 208 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fulton Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 5.27% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Fulton Bank, N.A. previously called?
The charter now named Fulton Bank, N.A. has also operated as Fulton Bank (1974-2009), The Fulton National Bank of Lancaster (1972-1974), per FDIC structure-change records.
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