Fulton Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Fulton Bank, N.A. is a regional commercial bank serving Pennsylvania and adjacent markets, with headquarters in Lancaster. As of Q2 2026, the bank held approximately $32.6B in total assets and $27.4B in deposits. The bank posts a strong 1.36% ROA and 12.39% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 13.03% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.92% nonperforming loans and a 7.84% Texas Ratio. Fulton Bank runs a 229-branch network across multiple states.
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 0.92%, a Texas ratio of 7.84%, per financial data filed with the FFIEC.
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)
- Offices
- 229 domestic
- Employees (FTE)
- 3,416
- Domestic deposits
- $27.42B
- Allowance for credit losses
- $354.0M
- Net charge-offs (YTD)
- $36.9M
- 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 |
|---|---|---|
| Myers Curtis J | CEO | Chairman & CEO |
| Kraemer Richard S | CFO | SEVP & CFO |
| Gremer Kevin C | COO | SEVP Chief Operations & Tech |
| Snyder Angela M | PRES | President |
| Malhotra Atul | CRO | Chief Risk Officer |
| Luddington Natasha R. | GC | Sr.EVP & Chief Legal Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Fulton Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Fulton Bank, N.A.
- Blue Foundry Bank, effective July 11, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.03% | 1.36% | 0.92% | 7.84% | 3.63% |
| Q1 2026 | 12.94% | 1.24% | 1.01% | 8.55% | 3.58% |
| Q4 2025 | 12.84% | 1.38% | 1.23% | 10.04% | 3.63% |
| Q3 2025 | 12.70% | 1.35% | 0.87% | 8.10% | 3.62% |
| Q2 2025 | 12.43% | 1.33% | 1.19% | 10.19% | 3.49% |
| Q1 2025 | 12.31% | 1.22% | 0.88% | 7.92% | 3.42% |
| Q4 2024 | 12.08% | 0.95% | 0.95% | 8.59% | 3.44% |
| Q3 2024 | 11.94% | 0.87% | 0.90% | 7.97% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 205 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 14, 2019 | Structure Change | Acquired Lafayette Ambassador Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 13, 2018 | Structure Change | Acquired FNB Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | M&A | merger | SEC |
| January 1, 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 |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 1974 | Structure Change | Acquired The Hummelstown National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1973 | 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 |
| 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
What the public regulatory sources show for Fulton Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 148 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fulton Bank, N.A. headquartered?
Fulton Bank, N.A. is headquartered in Lancaster, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Fulton Bank, N.A. founded?
Fulton Bank, N.A. was established in 1882, per the FDIC institution directory.
Is Fulton Bank, N.A. FDIC-insured?
Yes. Fulton Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fulton Bank, N.A.'s CET1 capital ratio?
Fulton Bank, N.A. 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?
Fulton Bank, N.A. operates 229 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?
Fulton Bank, N.A.'s Texas Ratio is 7.84% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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