Fulton Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.2% between Q1 2026 and Q2 2026, to $126.5M. Within Pennsylvania, Fulton Bank, N.A. is 45th of 109 on net interest margin, 3.63% as of Q2 2026, above the middle of the field. At 3.63%, Fulton Bank, N.A.'s net interest margin is close to the 3.60% median for banks in the $10B-100B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 5.72% |
| Yield on securities | 3.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 3.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $341.6M |
| Total interest expense | $126.5M |
| Interest expense on deposits | $119.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.18% | 1.90% | 3.45% | 5.75% | 2.61% |
| Q4 2023 | 5.29% | 2.07% | 3.42% | 5.87% | 2.64% |
| Q1 2024 | 5.33% | 2.16% | 3.34% | 5.86% | 2.72% |
| Q2 2024 | 5.51% | 2.26% | 3.40% | 6.02% | 3.08% |
| Q3 2024 | 5.71% | 2.38% | 3.53% | 6.22% | 3.34% |
| Q4 2024 | 5.50% | 2.26% | 3.44% | 5.98% | 3.54% |
| Q1 2025 | 5.34% | 2.10% | 3.42% | 5.78% | 3.63% |
| Q2 2025 | 5.39% | 2.07% | 3.49% | 5.84% | 3.67% |
| Q3 2025 | 5.50% | 2.06% | 3.62% | 5.96% | 3.71% |
| Q4 2025 | 5.40% | 1.92% | 3.63% | 5.85% | 3.64% |
| Q1 2026 | 5.22% | 1.78% | 3.58% | 5.63% | 3.58% |
| Q2 2026 | 5.29% | 1.80% | 3.63% | 5.72% | 3.61% |
Fulton Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fulton Bank, N.A., freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fulton Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7551) · FFIEC NIC profile (RSSD 474919)