Earnings release
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Exhibit 99.1 FULTON FINANCIALCORPORATIONFOR IMMEDIATE RELEASEMedia Contact: Lacey Dean (717) 735-8688Investor Contact: Rick Kraemer (717) 327-2567 Fulton Financial Corporation Announces Third Quarter 2026 Results (October 21, 2026) – Lancaster, PA – Fulton Financial Corporation (NASDAQ: FULT) (“Fulton” or the “Corporation”) reported net income available to common shareholders of $114.1 million, or$0.59 per diluted share, for the third quarter of 2026, an increase of $14.2 million, or $0.07 per diluted share, in comparison to the second quarter of 2026. Operating net income available tocommon shareholders for the three months ended September 30, 2026 was $119.8 million, or $0.62 per diluted share, an increase of $3.9 million, or $0.02 per diluted share, in comparison tothe second quarter of 2026. Net income available to common shareholders for the nine months ended September 30, 2026 was $306.1 million, or $1.62 per diluted share, an increase of $21.2 million, or $0.07 per dilutedshare in comparison to the nine months ended September 30, 2025. Operating net income available to common shareholders for the nine months ended September 30, 2026, was $335.3million, or $1.77 per diluted share, an increase of $37.9 million, or $0.15 per diluted share, in comparison to the nine months ended September 30, 2025. "During the quarter, we achieved record financial results while successfully completing the Blue Foundry Bank integration and delivering solid growth in the customer base and customerfunding," said Curtis J. Myers, Fulton Chairman, CEO and President. "Our ongoing strong performance reflects robust demand for our community banking model and the steadfast dedication ofour team members to deliver a personalized experience. The sustained commitment to executing our strategic priorities is generating long-term value for our shareholders." Financial Highlights Third quarter of 2026 operating results of $0.62 per diluted share were impacted by the following items: • Net interest margin remained solid at 3.58%, representing a two basis point decrease from the prior quarter. • Non-interest income decreased $2.1 million to $77.2 million compared to $79.3 million in the prior quarter. The decrease was primarily attributable to $6.9 million of income recognizedfrom an equity method investment that was sold in the prior quarter. (1) (1) (1) (1) (1)
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• Non-interest expense decreased $12.4 million to $218.5 million compared to $231.0 million in the prior quarter. Operating non-interest expense increased $0.6 million to $211.2 millioncompared to $210.6 million in the prior quarter. • Provision for credit losses was $4.1 million resulting in an allowance for credit losses attributable to net loans of $375.6 million, or 1.45% of total net loans as of September 30, 2026. • Common equity Tier 1 capital ratio was 12.2% as of September 30, 2026. • During the third quarter of 2026, 2,325,000 shares of the Corporation's common stock were repurchased under the 2026 Repurchase Program at a cost of $56.1 million or an average of$24.14 per share. As of September 30, 2026, the Corporation repurchased 4,062,650 shares of the Corporation's common stock at a cost of $91.8 million or an average of $22.58 pershare, under the 2026 Repurchase Program . The following items highlight notable changes in the components of net income in the third quarter of 2026 compared to the second quarter of 2026: • Net interest income increased $5.8 million to $290.0 million driven by a $6.1 million increase in interest income on net loans, a $4.3 million increase in interest income on investmentsecurities, a $2.3 million increase in interest income on other interest-earning assets, and a $2.1 million decrease in interest expense on borrowings and other interest-bearing liabilities,partially offset by a $9.0 million increase in interest expense on deposits. Purchase loan mark accretion from loans acquired in the Republic Transaction was $8.3 million in the thirdquarter of 2026 compared to $9.9 million in the prior quarter. Purchase loan mark accretion from loans acquired in the Blue Foundry Bancorp Transaction was $4.6 million in the thirdquarter of 2026 compared to $5.2 million in the prior quarter. The decrease in interest expense on borrowings and other interest-bearing liabilities was partially due to $2.4 million ofinterest expense recognized in the second quarter of 2026 from the Corporation’s $195.0 million aggregate principal amount of outstanding 3.250% Fixed-to-Floating Rate SubordinatedNotes due 2030 that were redeemed on June 15, 2026. • Non-interest income before investment securities gains (losses) was $77.2 million compared to $79.3 million in the prior quarter. The $2.1 million decrease was primarily attributable to a$6.3 million decline in income from equity method investments, reflected in other income, mainly due to $6.9 million of income recognized from an equity method investment that was soldin the prior quarter. Compared to the prior quarter, wealth management revenues increased by $2.1 million. • Non-interest expense was $218.5 million compared to $231.0 million in the prior quarter. The $12.4 million decrease was primarily attributable to a $12.1 million decrease in acquisition-related expenses. Salaries and employee benefits expense increased $5.6 million mainly due to a $3.9 million increase in incentive compensation expense, a $0.8 million increase in basesalary (1) (2) (3) (4) (5) 2
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expense from one additional calendar day in the third quarter and a $0.8 million increase in recruiting expenses. Other non-interest expense for the second quarter included a $2.1 millioncharge incurred related to combining two employee pension plans and $0.8 million of debt extinguishment costs. Balance Sheet Summary • Total net loans increased $43.6 million to $26.0 billion compared to $25.9 billion as of June 30, 2026. The increase was due to a $107.0 million increase in consumer loans, partiallyoffset by a $63.3 million decrease in commercial loans • Deposits totaled $28.8 billion, a $571.0 million increase compared to $28.3 billion as of June 30, 2026. The increase was attributable to increases of $601.0 million in savings deposits,$324.1 million in interest-bearing demand deposits and $120.3 million in time deposits, partially offset by decreases of $428.5 million in brokered deposits and $45.8 million in noninterest-bearing demand deposits. The increase in deposits was driven by solid commercial deposit growth and seasonal trends in the municipal deposit portfolio. Provision for Credit Losses and Asset Quality • The provision for credit losses totaled $4.1 million in the third quarter of 2026 compared to $4.9 million in the second quarter of 2026. • The allowance for credit losses attributable to net loans was $375.6 million, or 1.45% of total net loans as of September 30, 2026, compared to $382.6 million, or 1.48% of total net loansas of June 30, 2026. • Non-performing assets were $179.4 million, or 0.52% of total assets, as of September 30, 2026, in comparison to $187.1 million, or 0.54% of total assets, as of June 30, 2026. • Annualized net charge-offs for the third quarter of 2026 were 0.14% of total average loans in comparison to 0.34% in the prior quarter. Additional information on Fulton is available at www.fultonbank.com. Financial measure derived by methods other than generally accepted accounting principles ("GAAP"). Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of the press release. Regulatory capital ratios as of September 30, 2026 are preliminary estimates and prior periods are actual. The 2026 Repurchase Program represents the authorization, commencing on January 1, 2026 and expiring on January 31, 2027, to repurchase up to $150 million, excluding fees, commissions, excise tax and other ancillary expenses, of the Corporation’s commonstock. (6) (6). (1) (2) (3) 3
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Under this authorization, up to $25 million of the $150 million authorization may be used to repurchase the Corporation’s preferred stock and outstanding subordinated notes. As permitted by securities laws and other legal requirements and subject to marketconditions and other factors, purchases may be made from time to time under the 2026 Repurchase Program in open market or privately negotiated transactions, including without limitation, through accelerated share repurchase transactions. The 2026 RepurchaseProgram may be discontinued at any time. On April 26, 2024, Fulton Bank, National Association ("Fulton Bank"), acquired substantially all of the assets and assumed substantially all of the deposits and certain liabilities of Republic First Bank, doing business as Republic Bank ("Republic Bank"), from theFederal Deposit Insurance Corporation (the "FDIC"), as receiver for Republic Bank (the "Republic Transaction"), pursuant to the terms of the Purchase and Assumption Agreement - Whole Bank, All Deposits, effective as of April 26, 2024 among the FDIC, asreceiver of Republic Bank, the FDIC and Fulton Bank. On April 1, 2026, the Corporation completed the acquisition of Blue Foundry Bancorp (the "Blue Foundry Bancorp Transaction") and Blue Foundry Bancorp's wholly owned subsidiary, Blue Foundry Bank, became a wholly owned subsidiary of the Corporation. OnJuly 11, 2026, Blue Foundry Bank merged with and into the Corporation's wholly owned subsidiary Fulton Bank, with Fulton Bank continuing as the surviving bank. Consumer loans include increases of $81.1 million in real estate - residential mortgage loans, $19.9 million in real estate - home equity loans, $4.8 million in consumer loans and $1.2 million in residential construction loans, reflected in real estate - construction.Commercial loans include decreases of $66.4 million in commercial construction loans, reflected in real estate - construction and $12.4 million in commercial and industrial loans, partially offset by an increase of $14.7 million in leases and other loans and $0.8million in real estate - commercial mortgage. Note: Some numbers contained in this document may not sum due to rounding. (4) (5) (6) 4
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Forward-Looking Statements This press release may contain forward-looking statements with respect to the Corporation’s financial condition, results of operations and business. Forward-looking statements are anystatement that does not relate to historical or current facts and can be identified by the 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 includeprojections of, or guidance on, the Corporation’s future financial performance, expected levels of future expenses, including future credit losses, anticipated growth strategies, descriptions of newbusiness initiatives and anticipated trends in the Corporation’s business or financial results. Forward-looking statements are neither historical facts, nor assurance of future performance. Instead, the statements are based on current beliefs, expectations and assumptions regarding thefuture of the Corporation’s business, plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to thefuture, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of the Corporation’s control, and actual results andfinancial condition may differ materially from those indicated in the forward-looking statements. Therefore, you should not unduly rely on any of these forward-looking statements. Any forward-looking statement is based only on information currently available and speaks only as of the date when made. The Corporation undertakes no obligation, other than as required by law, to updateor revise any forward-looking statements, whether as a result of new information, future events or otherwise. Numerous factors could cause the Corporation's actual results to differ materially from those described in the forward-looking statements, including, but not limited to, the following: the impact ofadverse conditions in the economy and financial markets; trade policies and the imposition of tariffs and retaliatory tariffs; the impacts of events affecting the financial services industry; the effectsof actions by the federal government, including those of the Board of Governors of the Federal Reserve System and other government agencies, that impact the money supply and marketinterest rates; the effects of market interest rates and the relative balances of interest rate-sensitive assets to interest rate-sensitive liabilities on net interest margin and net interest income; thecomposition of the Corporation's loan portfolio and potential exposure to increased credit risk; the effects of changes in interest rates; investment securities gains and losses, including declines inthe fair value of securities; disruptions in liquidity markets; capital and liquidity strategies; the Corporation's ability to generate capital internally or raise capital on favorable terms; the effects ofcompetition; possible goodwill impairment charges; the impact of operational risks; the loss of, or failure to safeguard, confidential or proprietary information; the Corporation's failure to identifyand promptly address cybersecurity risks; the impact of failures of the Corporation's third-party vendors to perform in accordance with contractual arrangements; the effects of concerns aboutother financial institutions on the Corporation; potential losses in connection with repurchase and indemnification payments related to sold loans; the effects of climate change on theCorporation's business and results of operations; the effects of increases in non-performing assets; the determination of the allowance for credit losses; the effects of the extensive level ofregulation and supervision to which 5
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the Corporation and Fulton Bank are subject; changes in law, regulation and government policy; the continuing impact of the Dodd-Frank Wall Street Reform and Consumer Protection Act;potential negative consequences resulting from regulatory violations, investigations and examinations; the effects of adverse outcomes in litigation and governmental or administrativeproceedings; the effects of changes in U.S. federal, state or local tax laws; the effects of the significant amounts of time and expense associated with regulatory compliance and riskmanagement; the Corporation's ability to realize anticipated reductions in non-interest expense and increases in revenue from strategic initiatives implemented from time to time; risks related tothe acquisition of Blue Foundry Bancorp; completed and potential future acquisitions may affect costs and the Corporation may not be able to successfully integrate the acquired business orrealize the anticipated benefits from such acquisitions; geopolitical conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to actsor threats of terrorism, military conflicts, wars and other international hostilities; public health crises and pandemics; the Corporation's ability to achieve its growth plans; the Corporation's abilityto attract and retain talented personnel; the effects of competition from financial service companies and other companies offering bank services; the Corporation's ability to keep pace withtechnological changes; the Corporation's reliance on its subsidiaries for substantially all of its revenues; and the effects of negative publicity on the Corporation's reputation. For additionalinformation about factors that could cause actual results to differ materially from those described in forward-looking statements, refer to the sections entitled "Risk Factors" and "Management'sDiscussion and Analysis of Financial Condition and Results of Operations" in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2025, Quarterly Report on Form10-Q for the quarters ended March 31, 2026 and June 30, 2026 and other current and periodic reports, which have been, or will be, filed with the Securities and Exchange Commission (the"SEC") and are, or will be, available in the Investor Relations section of the Corporation's website (www.fultonbank.com) and on the SEC's website (www.sec.gov). 6
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Non-GAAP Financial Measures The Corporation uses certain financial measures in this press release that have been derived from methods other than GAAP. These non-GAAP financial measures are reconciled to the mostcomparable GAAP measures in tables at the end of this press release. FULTON FINANCIAL CORPORATIONSUMMARY CONSOLIDATED FINANCIAL INFORMATION (UNAUDITED)(dollars in thousands, except per share and shares data) Three months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 302026 2026 2026 2025 2025Ending BalancesInvestment securities $ 5,321,773 $ 5,122,759 $ 4,861,967 $ 4,833,744 $ 5,045,270Net loans 25,977,924 25,934,293 24,266,345 24,144,884 24,041,489Total assets 34,775,370 34,556,720 32,237,438 32,118,400 31,995,086Deposits 28,821,365 28,250,342 26,768,335 26,589,407 26,332,490Shareholders' equity 3,686,752 3,815,813 3,505,283 3,490,447 3,413,598 Average BalancesInvestment securities 5,250,831 4,983,015 4,785,276 4,921,669 5,025,072Net loans 25,973,093 25,883,823 24,225,655 24,053,089 24,020,322Total assets 34,836,627 34,193,608 31,999,228 32,013,163 31,924,038Deposits 28,770,984 28,014,666 26,451,094 26,537,659 26,298,680Shareholders' equity 3,807,728 3,788,421 3,543,911 3,464,539 3,361,368 Income StatementNet interest income 290,035 284,252 262,023 266,042 264,198 Provision for credit losses 4,059 4,897 14,442 2,948 10,245 Non-interest income 77,225 79,306 69,841 69,980 70,407 Non-interest expense 218,517 230,954 200,294 212,986 196,574 Income before taxes 144,684 127,707 117,128 120,088 127,786 Net income available to common shareholders 114,095 99,852 92,199 96,408 97,892 Per ShareNet income available to common shareholders (basic) $0.60 $0.52 $0.51 $0.53 $0.54 Net income available to common shareholders (diluted) $0.59 $0.52 $0.51 $0.53 $0.53 Operating net income available to common shareholders $0.62 $0.60 $0.55 $0.55 $0.55 Cash dividends $0.19 $0.19 $0.19 $0.19 $0.18 Common shareholders' equity $18.46 $18.92 $18.52 $18.33 $17.81 Common shareholders' equity (tangible) $15.14 $15.61 $15.12 $14.92 $14.39 Weighted average shares (basic) 190,642 191,386 179,720 180,405 181,658 Weighted average shares (diluted) 192,234 192,997 181,655 182,197 183,349 Includes related unrealized holding gains (losses) for available for sale ("AFS") securities. Non-GAAP financial measure. Refer to the calculation on the page titled “Reconciliation of Non-GAAP Measures” at the end of this press release. (1) (1) (2) (2) (1) (2) 7
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Three months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 302026 2026 2026 2025 2025Asset QualityNet charge-offs to average loans (annualized) 0.14 % 0.34 % 0.25 % 0.24 % 0.18 %Non-performing loans to total net loans 0.67 % 0.70 % 0.72 % 0.76 % 0.83 %Non-performing assets to total assets 0.52 % 0.54 % 0.55 % 0.58 % 0.63 %ACL - loans to total loans 1.45 % 1.48 % 1.51 % 1.51 % 1.57 %ACL - loans to non-performing loans 216 % 211 % 209 % 198 % 189 % ProfitabilityReturn on average assets 1.33 % 1.20 % 1.20 % 1.23 % 1.25 %Operating return on average assets 1.40 % 1.39 % 1.30 % 1.27 % 1.29 %Return on average common shareholders' equity 12.52 % 11.14 % 11.16 % 11.69 % 12.26 %Operating return on average common shareholders' equity (tangible) 15.94 % 15.71 % 14.76 % 14.86 % 15.79 %Net interest margin 3.58 % 3.60 % 3.58 % 3.59 % 3.57 %Efficiency ratio 56.8 % 57.3 % 56.7 % 60.0 % 56.5 %Non-interest expense to total average assets 2.49 % 2.71 % 2.54 % 2.64 % 2.44 %Operating non-interest expense to total average assets 2.41 % 2.47 % 2.42 % 2.53 % 2.38 % Capital RatiosTangible common equity ratio ("TCE") 8.4 % 8.8 % 8.6 % 8.5 % 8.3 %Tier 1 leverage ratio 9.9 % 10.0 % 9.9 % 9.7 % 9.6 %Common equity Tier 1 capital ratio 12.2 % 12.2 % 11.9 % 11.8 % 11.6 %Tier 1 risk-based capital ratio 12.9 % 12.9 % 12.7 % 12.6 % 12.4 %Total risk-based capital ratio 16.0 % 16.0 % 15.2 % 15.2 % 15.0 % "ACL - loans" relates to the allowance for credit losses ("ACL") specifically on "Net Loans" and does not include the ACL related to off-balance-sheet ("OBS") credit exposures. Non-GAAP financial measure. Refer to the calculation on the page titled "Reconciliation of Non-GAAP Measures" at the end of this press release. Regulatory capital ratios as of September 30, 2026 are preliminary estimates and prior periods are actual. (1) (1) (2) (2) (2) (2) (3) (2) (1) (2) (3) 8
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FULTON FINANCIAL CORPORATIONCONDENSED CONSOLIDATED ENDING BALANCE SHEETS (UNAUDITED)(dollars in thousands) Sep 30 Jun 30 Mar 31 Dec 31 Sep 302026 2026 2026 2025 2025ASSETSCash and due from banks $ 272,674 $ 325,259 $ 311,796 $ 271,463 $ 307,267 Other interest-earning assets 969,295 1,076,395 871,066 911,155 643,111 Loans held for sale 16,044 33,902 11,887 16,316 19,875 Investment securities 5,321,773 5,122,759 4,861,967 4,833,744 5,045,270 Net loans 25,977,924 25,934,293 24,266,345 24,144,884 24,041,489 Less: ACL - loans (375,635) (382,580) (367,489) (364,462) (376,258) Loans, net 25,602,289 25,551,713 23,898,856 23,780,422 23,665,231 Net premises and equipment 181,019 186,184 168,941 175,240 178,644 Accrued interest receivable 123,664 121,220 112,083 113,698 114,003 Goodwill and intangible assets 627,923 633,485 607,647 612,996 618,361 Other assets 1,660,689 1,505,803 1,393,195 1,403,366 1,403,324 Total Assets $ 34,775,370 $ 34,556,720 $ 32,237,438 $ 32,118,400 $ 31,995,086 LIABILITIES AND SHAREHOLDERS' EQUITYDeposits $ 28,821,365 $ 28,250,342 $ 26,768,335 $ 26,589,407 $ 26,332,490 Borrowings 1,232,869 1,713,976 1,252,579 1,297,375 1,471,961 Other liabilities 1,034,384 776,589 711,241 741,171 777,037 Total Liabilities 31,088,618 30,740,907 28,732,155 28,627,953 28,581,488 Shareholders' equity 3,686,752 3,815,813 3,505,283 3,490,447 3,413,598 Total Liabilities and Shareholders' Equity $ 34,775,370 $ 34,556,720 $ 32,237,438 $ 32,118,400 $ 31,995,086 LOANS, DEPOSITS AND BORROWINGS DETAIL:Loans, by type:Real estate - commercial mortgage $ 10,915,582 $ 10,914,813 $ 9,985,368 $ 9,820,944 $ 9,734,156 Commercial and industrial 4,547,315 4,559,732 4,494,031 4,539,060 4,437,905 Real estate - residential mortgage 7,332,034 7,250,949 6,735,338 6,669,993 6,617,017 Real estate - home equity 1,355,940 1,336,068 1,253,192 1,242,831 1,214,399 Real estate - construction 881,493 946,654 876,498 970,298 1,134,748 Consumer 574,893 570,093 565,041 564,349 566,291 Leases and other loans 370,667 355,984 356,877 337,409 336,973 Total Net Loans $ 25,977,924 $ 25,934,293 $ 24,266,345 $ 24,144,884 $ 24,041,489 Deposits, by type:Noninterest-bearing demand $ 5,199,747 $ 5,245,586 $ 5,334,920 $ 5,256,096 $ 5,136,210 Interest-bearing demand 8,470,142 8,146,057 7,823,683 7,970,188 8,035,393 Savings 9,878,185 9,277,215 8,875,256 8,512,829 8,417,678 Total demand and savings 23,548,074 22,668,858 22,033,859 21,739,113 21,589,281 Brokered 546,707 975,204 715,850 855,042 709,667 Time 4,726,584 4,606,280 4,018,626 3,995,252 4,033,542 Total Deposits $ 28,821,365 $ 28,250,342 $ 26,768,335 $ 26,589,407 $ 26,332,490 Borrowings, by type:Federal Home Loan Bank advances $ — $ 552,500 $ 200,000 $ 250,000 $ 450,000 Senior debt and subordinated debt 469,876 469,668 367,720 367,637 367,557 Other borrowings 762,993 691,808 684,859 679,738 654,404 Total Borrowings $ 1,232,869 $ 1,713,976 $ 1,252,579 $ 1,297,375 $ 1,471,961 "ACL - loans" relates to the ACL specifically on "Net Loans" and does not include the ACL related to OBS credit exposures. Includes equipment lease financing, overdraft and net origination fees and costs. (1) (2) (1) (2) 9
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FULTON FINANCIAL CORPORATIONCONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)(dollars in thousands, except per share and share data) Three months ended Nine months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 30 Sep 302026 2026 2026 2025 2025 2026 2025Net Interest Income:Interest income $ 440,908 $ 428,154 $ 390,056 $ 403,416 $ 411,006 $ 1,259,118 $ 1,213,458 Interest expense 150,873 143,902 128,033 137,374 146,808 422,809 443,153 Net Interest Income 290,035 284,252 262,023 266,042 264,198 836,309 770,305 Provision for credit losses 4,059 4,897 14,442 2,948 10,245 23,397 32,749 Net Interest Income after Provision 285,976 279,355 247,581 263,094 253,953 812,912 737,556 Non-Interest Income:Wealth management 25,257 23,139 24,496 23,879 22,639 72,891 66,705 Commercial banking: Merchant and card 7,298 7,496 6,343 6,847 7,327 21,137 21,294 Cash management 8,890 8,817 8,363 8,374 8,335 26,070 24,510 Capital markets 3,675 3,530 3,614 3,730 2,908 10,819 8,264 Other commercial banking 5,113 4,979 4,486 5,162 4,595 14,578 13,857 Total commercial banking 24,976 24,822 22,806 24,113 23,165 72,604 67,925 Consumer banking: Card 8,673 8,596 7,887 8,366 8,246 25,156 23,748 Overdraft 4,265 3,858 3,798 4,109 4,153 11,921 11,265 Other consumer banking 2,722 2,891 2,491 2,967 2,775 8,104 7,757 Total consumer banking 15,660 15,345 14,176 15,442 15,174 45,181 42,770 Mortgage banking 5,110 4,938 3,955 3,636 3,711 14,003 10,841 Other 6,222 11,062 4,408 2,910 5,718 21,693 18,547 Non-interest income before investment securities (losses) gains 77,225 79,306 69,841 69,980 70,407 226,372 206,788 Investment securities (losses) gains, net — — — — — — (2) Total Non-Interest Income 77,225 79,306 69,841 69,980 70,407 226,372 206,786 Non-Interest Expense:Salaries and employee benefits 125,764 120,184 109,917 121,632 111,265 355,865 321,914 Data processing and software 20,898 20,419 18,662 19,695 18,535 59,979 55,396 Net occupancy 18,714 17,841 18,229 17,554 15,954 54,784 50,571 Other outside services 15,370 14,999 12,750 13,105 12,951 43,119 36,797 Intangible amortization 5,561 5,910 5,349 5,365 5,368 16,821 17,097 FDIC insurance 4,465 4,430 4,249 4,540 5,089 13,144 15,638 Equipment 3,832 4,086 3,924 4,001 3,926 11,842 12,175 Marketing 3,636 2,818 2,331 1,694 2,470 8,785 7,595 Professional fees 3,229 2,342 2,239 2,088 2,320 7,809 3,405 Acquisition-related expenses 1,740 13,839 2,644 802 — 18,223 380 Other 15,308 24,086 20,000 22,510 18,696 59,393 57,877 Total Non-Interest Expense 218,517 230,954 200,294 212,986 196,574 649,764 578,845 Income Before Income Taxes 144,684 127,707 117,128 120,088 127,786 389,520 365,497 Income tax expense 28,027 25,293 22,367 21,118 27,332 75,687 72,858 Net Income 116,657 102,414 94,761 98,970 100,454 313,833 292,639 Preferred stock dividends (2,562) (2,562) (2,562) (2,562) (2,562) (7,686) (7,686) Net Income Available to Common Shareholders $ 114,095 $ 99,852 $ 92,199 $ 96,408 $ 97,892 $ 306,147 $ 284,953 10
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Three months ended Nine months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 30 Sep 302026 2026 2026 2025 2025 2026 2025PER SHARE:Net income available to common shareholders:Net income available to common shareholders (basic) $0.60 $0.52 $0.51 $0.53 $0.54 $1.63 $1.57 Net income available to common shareholders (diluted) $0.59 $0.52 $0.51 $0.53 $0.53 $1.62 $1.55 Cash dividends $0.19 $0.19 $0.19 $0.19 $0.18 $0.57 $0.54 Weighted average shares (basic) 190,642 191,386 179,720 180,405 181,658 187,289 182,030 Weighted average shares (diluted) 192,234 192,997 181,655 182,197 183,349 188,977 183,718 11
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FULTON FINANCIAL CORPORATIONCONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)(dollars in thousands) Three months endedSeptember 30, 2026 June 30, 2026 September 30, 2025Average Yield/ Average Yield/ Average Yield/Balance Interest Rate Balance Interest Rate Balance Interest RateASSETS Interest-earning assets:Net loans $ 25,973,093 $ 380,564 5.82 %$ 25,883,823 $ 374,426 5.80 %$ 24,020,322 $ 358,443 5.93 %Investment securities 5,537,868 51,940 3.75 % 5,233,693 47,661 3.64 % 5,330,905 49,442 3.70 %Other interest-earning assets 1,228,130 12,711 4.11 % 997,586 10,377 4.17 % 622,832 7,557 4.83 %Total Interest-Earning Assets 32,739,091 445,215 5.41 % 32,115,102 432,464 5.40 % 29,974,059 415,442 5.51 % Noninterest-earning assets:Cash and due from banks 314,436 310,904 312,578 Premises and equipment 184,787 189,791 181,116 Other assets 1,985,950 1,978,494 1,837,179 Less: ACL - loans (387,637) (400,683) (380,894) Total Assets $ 34,836,627 $ 34,193,608 $ 31,924,038 LIABILITIES AND SHAREHOLDERS' EQUITY Interest-bearing liabilities:Demand deposits $ 8,318,136 $ 33,302 1.59 %$ 8,279,932 $ 32,443 1.57 %$ 7,876,227 $ 36,369 1.83 %Savings deposits 9,706,048 53,922 2.20 % 9,128,400 47,299 2.08 % 8,391,379 48,237 2.28 %Brokered deposits 812,556 8,110 3.96 % 887,546 8,589 3.88 % 694,486 7,689 4.39 %Time deposits 4,712,221 40,427 3.40 % 4,540,334 38,406 3.39 % 4,097,195 37,942 3.67 %Total Interest-Bearing Deposits 23,548,961 135,761 2.29 % 22,836,212 126,737 2.23 % 21,059,287 130,237 2.45 % Borrowings and other interest-bearing liabilities 1,566,225 15,112 3.83 % 1,744,871 17,165 3.95 % 1,564,996 16,571 4.20 %Total Interest-Bearing Liabilities 25,115,186 150,873 2.38 % 24,581,083 143,902 2.35 % 22,624,283 146,808 2.57 % Noninterest-bearing liabilities:Demand deposits 5,222,023 5,178,454 5,239,393 Other liabilities 691,690 645,650 698,994 Total Liabilities 31,028,899 30,405,187 28,562,670 Total Deposits 28,770,984 1.87 % 28,014,666 1.81 % 26,298,680 1.96 %Total interest-bearing liabilities and non-interest bearing deposits (costof funds) 30,337,209 1.97 % 29,759,537 1.94 % 27,863,676 2.09 % Shareholders' equity 3,807,728 3,788,421 3,361,368 Total Liabilities and Shareholders' Equity $ 34,836,627 $ 34,193,608 $ 31,924,038 Net interest income/net interest margin (fully taxable equivalent) 294,342 3.58 % 288,562 3.60 % 268,634 3.57 %Tax equivalent adjustment (4,307) (4,310) (4,436) Net Interest Income $ 290,035 $ 284,252 $ 264,198 Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances. Average balances include non-performing loans.Average balances include amortized historical cost for AFS securities; the related unrealized holding gains (losses) are included in other assets. ACL - loans relates to the ACL for net loans and does not include the ACL related to OBS credit exposures, which is included in other liabilities. (1) (1) (1) (2) (3) (4) (1) (2) (3) (4) 12
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FULTON FINANCIAL CORPORATIONAVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)(dollars in thousands) Three months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 302026 2026 2026 2025 2025Loans, by type:Real estate - commercial mortgage $ 10,906,964 $ 10,887,986 $ 9,930,713 $ 9,785,717 $ 9,721,395 Commercial and industrial 4,572,754 4,602,800 4,522,694 4,473,522 4,494,662 Real estate - residential mortgage 7,301,234 7,189,941 6,696,646 6,646,318 6,560,413 Real estate - home equity 1,324,822 1,298,632 1,235,977 1,223,293 1,191,465 Real estate - construction 918,036 962,625 926,026 1,014,343 1,125,130 Consumer 593,202 592,106 576,852 577,136 590,658 Leases and other loans 356,081 349,733 336,747 332,760 336,599 Total Net Loans $ 25,973,093 $ 25,883,823 $ 24,225,655 $ 24,053,089 $ 24,020,322 Deposits, by type:Noninterest-bearing demand $ 5,222,023 $ 5,178,454 $ 5,120,028 $ 5,243,390 $ 5,239,393 Interest-bearing demand 8,318,136 8,279,932 7,774,121 7,984,980 7,876,227 Savings 9,706,048 9,128,400 8,684,478 8,519,075 8,391,379 Total demand and savings 23,246,207 22,586,786 21,578,627 21,747,445 21,506,999 Brokered 812,556 887,546 856,823 803,755 694,486 Time 4,712,221 4,540,334 4,015,644 3,986,459 4,097,195 Total Deposits $ 28,770,984 $ 28,014,666 $ 26,451,094 $ 26,537,659 $ 26,298,680 Borrowings, by type:Federal funds purchased $ — $ — $ — $ 54 $ — Federal Home Loan Bank advances 241,032 475,983 221,039 237,880 484,022 Senior debt and subordinated debt 469,787 509,493 367,679 367,598 367,517 Other borrowings and other interest-bearing liabilities 855,406 759,395 770,395 740,305 713,456 Total Borrowings $ 1,566,225 $ 1,744,871 $ 1,359,113 $ 1,345,837 $ 1,564,995 Includes equipment lease financing, overdraft and net origination fees and costs. (1) (1) 13
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FULTON FINANCIAL CORPORATIONCONDENSED CONSOLIDATED AVERAGE BALANCE SHEET ANALYSIS (UNAUDITED)(dollars in thousands) Nine months ended September 30,2026 2025Average Yield/ Average Yield/Balance Interest Rate Balance Interest RateASSETS Interest-earning assets:Net loans $ 25,367,258 $ 1,096,831 5.78 %$ 23,975,693 $ 1,055,558 5.88 %Investment securities 5,259,513 144,372 3.66 % 5,307,436 146,147 3.67 %Other interest-earning assets 1,001,295 30,833 4.11 % 698,727 24,919 4.76 %Total Interest-Earning Assets 31,628,066 1,272,036 5.37 % 29,981,856 1,226,624 5.46 % Noninterest-Earning assets:Cash and due from banks 308,524 297,491 Premises and equipment 182,637 186,414 Other assets 1,954,038 1,850,254 Less: ACL - loans (386,382) (383,776) Total Assets $ 33,686,883 $ 31,932,239 LIABILITIES AND SHAREHOLDERS' EQUITY Interest-Bearing liabilities:Demand deposits $ 8,126,056 $ 94,782 1.56 %$ 7,810,681 $ 105,303 1.80 %Savings deposits 9,176,718 145,884 2.13 % 8,195,790 140,800 2.30 %Brokered deposits 852,146 24,908 3.91 % 761,952 25,222 4.43 %Time deposits 4,425,284 112,729 3.41 % 4,112,258 118,998 3.87 %Total Interest-Bearing Deposits 22,580,204 378,303 2.24 % 20,880,681 390,323 2.50 % Borrowings and other interest-bearing liabilities 1,557,497 44,505 3.82 % 1,691,351 52,830 4.18 %Total Interest-Bearing Liabilities 24,137,701 422,808 2.34 % 22,572,032 443,153 2.62 % Noninterest-Bearing liabilities:Demand deposits 5,173,875 5,317,851 Other liabilities 660,987 735,460 Total Liabilities 29,972,563 28,625,343 Total Deposits 27,754,079 1.82 % 26,198,532 1.99 %Total interest-bearing liabilities and non-interest bearing deposits (cost of funds) 29,311,576 1.93 % 27,889,883 2.12 % Shareholders' equity 3,714,320 3,306,896 Total Liabilities and Shareholders' Equity $ 33,686,883 $ 31,932,239 Net interest income/net interest margin (fully taxable equivalent) 849,228 3.58 % 783,471 3.49 %Tax equivalent adjustment (12,919) (13,166) Net Interest Income $ 836,309 $ 770,305 Presented on a fully taxable-equivalent basis using a 21% federal tax rate and statutory interest expense disallowances.Average balances include non-performing loans. Average balances include amortized historical cost for AFS; the related unrealized holding gains (losses) are included in other assets. ACL - loans relates to the ACL for net loans and does not include the ACL related to OBS credit exposures, which is included in other liabilities. (1) (1) (2) (3) (4) (1) (2) (3) (4) 14
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FULTON FINANCIAL CORPORATIONAVERAGE LOANS, DEPOSITS AND BORROWINGS DETAIL (UNAUDITED)(dollars in thousands) Nine months ended September 30,2026 2025Loans, by type:Real estate - commercial mortgage $ 10,573,385 $ 9,676,574 Commercial and industrial 4,571,800 4,543,967 Real estate - residential mortgage 7,064,822 6,459,649 Real estate - home equity 1,286,802 1,177,209 Real estate - construction 935,413 1,197,159 Consumer 587,447 601,877 Leases and other loans 347,589 319,258 Total Net Loans $ 25,367,258 $ 23,975,693 Deposits, by type:Noninterest-bearing demand $ 5,173,875 $ 5,317,851 Interest-bearing demand 8,126,056 7,810,681 Savings 9,176,718 8,195,790 Total demand and savings 22,476,649 21,324,322 Brokered 852,146 761,952 Time 4,425,284 4,112,258 Total Deposits $ 27,754,079 $ 26,198,532 Borrowings, by type:Federal funds purchased $ — $ 366 Federal Home Loan Bank advances 312,758 634,370 Senior debt and subordinated debt 449,361 367,438 Other borrowings and other interest-bearing liabilities 795,378 689,177 Total Borrowings $ 1,557,497 $ 1,691,351 Includes equipment lease financing, overdraft and net origination fees and costs. (1) (1) 15
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FULTON FINANCIAL CORPORATIONASSET QUALITY INFORMATION (UNAUDITED)(dollars in thousands) Three months ended Nine months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 30 Sep 30 Sep 302026 2026 2026 2025 2025 2026 2025Allowance for credit losses related to net loans:Balance at beginning of period $ 382,580 $ 367,489 $ 364,462 $ 376,258 $ 377,337 $ 364,462 $ 379,156 Initial allowance for credit losses on purchased loans — 30,993 3,351 — — 34,344 — Loans charged off: Real estate - commercial mortgage (5,839) (10,789) (4,102) (14,104) (3,906) (20,730) (22,414) Commercial and industrial (2,107) (12,015) (10,545) (5,295) (5,847) (24,667) (15,492) Real estate - residential mortgage (2,347) (121) (391) (58) (394) (2,859) (995) Consumer and home equity (1,936) (2,119) (2,164) (2,212) (2,527) (6,219) (6,605) Real estate - construction — — — — (5,286) — (5,387) Leases and other loans (1,100) (966) (1,116) (1,140) (1,479) (3,180) (4,495) Total loans charged off (13,329) (26,010) (18,318) (22,809) (19,439) (57,655) (55,388)Recoveries of loans previously charged off: Real estate - commercial mortgage 309 1,629 701 633 4,307 2,639 4,814 Commercial and industrial 2,566 1,280 740 6,592 3,205 4,586 11,785 Real estate - residential mortgage 170 197 72 230 33 439 410 Consumer and home equity 495 484 584 861 726 1,561 2,285 Real estate - construction — — 884 — 47 884 228 Leases and other loans 332 404 429 146 192 1,165 633 Total recoveries of loans previously charged off 3,872 3,994 3,410 8,462 8,510 11,274 20,155 Net loans charged off (9,457) (22,016) (14,908) (14,347) (10,929) (46,381) (35,233)Provision for credit losses 2,761 6,308 14,584 2,551 9,850 23,653 32,335 Other (249) (194) — — — (443) — Balance at end of period $ 375,635 $ 382,580 $ 367,489 $ 364,462 $ 376,258 $ 375,635 $ 376,258 Net charge-offs to average loans 0.14 % 0.34 % 0.25 % 0.24 % 0.18 % 0.24 % 0.20 % Provision for credit losses related to OBS Credit ExposuresProvision for credit losses $ 1,298 $ (1,411) $ (142) $ 397 $ 395 $ (256) $ 414 NON-PERFORMING ASSETS:Non-accrual loans $ 136,053 $ 146,457 $ 142,035 $ 153,872 $ 150,137Loans 90 days past due and accruing 37,710 34,815 33,816 29,924 48,597 Total non-performing loans 173,763 181,272 175,851 183,796 198,734Other real estate owned 5,645 5,791 1,648 1,365 2,305 Total non-performing assets $ 179,408 $ 187,063 $ 177,499 $ 185,161 $ 201,039 NON-PERFORMING LOANS, BY TYPE:Commercial and industrial $ 38,162 $ 39,466 $ 47,759 $ 47,756 $ 48,817Real estate - commercial mortgage 62,779 66,445 64,890 74,981 87,789Real estate - residential mortgage 54,771 56,821 47,826 45,569 44,689Consumer and home equity 14,427 12,387 12,339 11,875 12,658Real estate - construction 3,613 6,135 3,000 2,267 3,461Leases and other loans 11 18 37 1,348 1,320 Total non-performing loans $ 173,763 $ 181,272 $ 175,851 $ 183,796 $ 198,734 Includes equipment lease financing, overdrafts and net origination fees and costs. The sum of these amounts are reflected in the provision for credit losses in the Condensed Consolidated Statements of Income.Quarterly results are annualized. (1) (1) (2) (3) (2) (1) (1) (2) (3) 16
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FULTON FINANCIAL CORPORATIONRECONCILIATION OF NON-GAAP MEASURES (UNAUDITED)(dollars in thousands, except per share and share data) Explanatory note: This press release contains supplemental financial information, as detailed below, that has been derived by methods other than GAAP. The Corporation has presented these non-GAAP financial measures because it believes that these measures provide useful andcomparative information to assess trends in the Corporation's results of operations and financial condition. Presentation of these non-GAAP financial measures is consistent with how the Corporation evaluates its performance internally and these non-GAAPfinancial measures are frequently used by securities analysts, investors and other interested parties in the evaluation of companies in the Corporation's industry. Management believes that these non-GAAP financial measures, in addition to GAAP measures, arealso useful to investors to evaluate the Corporation's results. Investors should recognize that the Corporation's presentation of these non-GAAP financial measures might not be comparable to similarly titled measures of other companies. These non-GAAPfinancial measures should not be considered a substitute for GAAP basis measures, and the Corporation strongly encourages a review of its condensed consolidated financial statements in their entirety. Reconciliations of these non-GAAP financial measures tothe most directly comparable GAAP measure follow: Three months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 302026 2026 2026 2025 2025Operating net income available to common shareholdersNet income available to common shareholders $ 114,095 $ 99,852 $ 92,199 $ 96,408 $ 97,892Less: Other — — — (4,989) (738)Plus: Core deposit intangible amortization 5,467 5,816 5,255 5,255 5,255Plus: Acquisition-related expense 1,740 13,839 2,644 802 —Plus: FDIC special assessment — — — (95) —Plus: FultonFirst implementation and asset disposals 15 (189) 1,556 2,795 (207)Plus: Debt extinguishment costs — 787 — — —Less: Tax impact of adjustments (1,517) (4,253) (1,985) (791) (905) Operating net income available to common shareholders (numerator) $ 119,800 $ 115,852 $ 99,669 $ 99,385 $ 101,297 Weighted average shares (diluted) (denominator) 192,234 192,997 181,655 182,197 183,349 Operating net income available to common shareholders, per share (diluted) $ 0.62 $ 0.60 $ 0.55 $ 0.55 $ 0.55 Common shareholders' equity (tangible), per shareShareholders' equity $ 3,686,752 $ 3,815,813 $ 3,505,283 $ 3,490,447 $ 3,413,598Less: Preferred stock (192,878) (192,878) (192,878) (192,878) (192,878)Less: Goodwill and intangible assets (627,923) (633,485) (607,647) (612,996) (618,361) Tangible common shareholders' equity (numerator) $ 2,865,951 $ 2,989,450 $ 2,704,758 $ 2,684,573 $ 2,602,359 Shares outstanding, end of period (denominator) 189,285 191,461 178,843 179,895 180,865 Common shareholders' equity (tangible), per share $ 15.14 $ 15.61 $ 15.12 $ 14.92 $ 14.39 Includes loan recovery adjustments of $5.0 million and $0.6 million in the fourth quarter of 2025 and the third quarter of 2025, respectively, reflected in the provision for credit losses related to a loan acquired in the Republic Transaction. (1) (1) 17
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Three months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 302026 2026 2026 2025 2025Operating return on average assetsNet income $ 116,657 $ 102,414 $ 94,761 $ 98,970 $ 100,454Less: Other — — — (4,989) (738)Plus: Core deposit intangible amortization 5,467 5,816 5,255 5,255 5,255Plus: Acquisition-related expense 1,740 13,839 2,644 802 —Plus: FDIC special assessment — — — (95) —Plus: FultonFirst implementation and asset disposals 15 (189) 1,556 2,795 (207)Plus: Debt extinguishment costs — 787 — — —Less: Tax impact of adjustments (1,517) (4,253) (1,985) (791) (905) Operating net income (numerator) $ 122,362 $ 118,414 $ 102,231 $ 101,947 $ 103,859 Total average assets $ 34,836,627 $ 34,193,608 $ 31,999,228 $ 32,013,163 $ 31,924,038Less: Average net core deposit intangible (61,185) (66,665) (54,629) (60,726) (65,999) Total operating average assets (denominator) $ 34,775,442 $ 34,126,943 $ 31,944,599 $ 31,952,437 $ 31,858,039 Operating return on average assets 1.40% 1.39% 1.30% 1.27% 1.29% Operating return on average common shareholders' equity (tangible)Net income available to common shareholders $ 114,095 $ 99,852 $ 92,199 $ 96,408 $ 97,892Less: Other — — — (4,989) (738)Plus: Intangible amortization 5,561 5,910 5,349 5,365 5,368Plus: Acquisition-related expense 1,740 13,839 2,644 802 —Plus: FDIC special assessment — — — (95) —Plus: FultonFirst implementation and asset disposals 15 (189) 1,556 2,795 (207)Plus: Debt extinguishment costs — 787 — — —Less: Tax impact of adjustments (1,536) (4,273) (2,005) (814) (929) Adjusted net income available to common shareholders (numerator) $ 119,875 $ 115,926 $ 99,743 $ 99,472 $ 101,386 Average shareholders' equity $ 3,807,728 $ 3,788,421 $ 3,543,911 $ 3,464,539 $ 3,361,368Less: Average preferred stock (192,878) (192,878) (192,878) (192,878) (192,878)Less: Average goodwill and intangible assets (630,639) (635,278) (610,262) (615,600) (620,986) Average tangible common shareholders' equity (denominator) $ 2,984,211 $ 2,960,265 $ 2,740,771 $ 2,656,061 $ 2,547,504 Operating return on average common shareholders' equity (tangible) 15.94% 15.71% 14.76% 14.86% 15.79% Tangible common equity to tangible assets (TCE Ratio)Shareholders' equity $ 3,686,752 $ 3,815,813 $ 3,505,283 $ 3,490,447 $ 3,413,598Less: Preferred stock (192,878) (192,878) (192,878) (192,878) (192,878)Less: Goodwill and intangible assets (627,923) (633,485) (607,647) (612,996) (618,361) Tangible common shareholders' equity (numerator) $ 2,865,951 $ 2,989,450 $ 2,704,758 $ 2,684,573 $ 2,602,359 Total assets $ 34,775,370 $ 34,556,720 $ 32,237,438 $ 32,118,400 $ 31,995,086Less: Goodwill and intangible assets (627,923) (633,485) (607,647) (612,996) (618,361) Total tangible assets (denominator) $ 34,147,447 $ 33,923,235 $ 31,629,791 $ 31,505,404 $ 31,376,725 Tangible common equity to tangible assets 8.39% 8.81% 8.55% 8.52% 8.29% Includes loan recovery adjustments of $5.0 million and $0.6 million in the fourth quarter of 2025 and the third quarter of 2025, respectively, reflected in the provision for credit losses related to a loan acquired in the Republic Transaction. Results are annualized. (1) (2) (1) (2) (1) (2) 18
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Three months endedSep 30 Jun 30 Mar 31 Dec 31 Sep 302026 2026 2026 2025 2025Efficiency ratioNon-interest expense $ 218,517 $ 230,954 $ 200,294 $ 212,986 $ 196,574Less: Acquisition-related expense (1,740) (13,839) (2,644) (802) —Less: FDIC special assessment — — — 95 —Less: FultonFirst implementation and asset disposals (15) 189 (1,556) (2,795) 207Less: Intangible amortization (5,561) (5,910) (5,349) (5,365) (5,368)Less: Debt extinguishment costs — (787) — — — Operating non-interest expense (numerator) $ 211,201 $ 210,607 $ 190,745 $ 204,119 $ 191,413 Net interest income $ 290,035 $ 284,252 $ 262,023 $ 266,042 $ 264,198Tax equivalent adjustment 4,307 4,310 4,303 4,416 4,436Plus: Total non-interest income 77,225 79,306 69,841 69,980 70,407Less: Other revenue — — — 11 (138)Plus: Investment securities (gains) losses, net — — — — — Total revenue (denominator) $ 371,567 $ 367,868 $ 336,167 $ 340,449 $ 338,903 Efficiency ratio 56.8% 57.3% 56.7% 60.0% 56.5% Operating non-interest expense to total average assetsNon-interest expense $ 218,517 $ 230,954 $ 200,294 $ 212,986 $ 196,574Less: Intangible amortization (5,561) (5,910) (5,349) (5,365) (5,368)Less: Acquisition-related expense (1,740) (13,839) (2,644) (802) —Less: FDIC special assessment — — — 95 —Less: FultonFirst implementation and asset disposals (15) 189 (1,556) (2,795) 207Less: Debt extinguishment costs — (787) — — — Operating non-interest expense (numerator) $ 211,201 $ 210,607 $ 190,745 $ 204,119 $ 191,413 Total average assets (denominator) $ 34,836,627 $ 34,193,608 $ 31,999,228 $ 32,013,163 $ 31,924,038 Operating non-interest expenses to total average assets 2.41% 2.47% 2.42% 2.53% 2.38%Results are annualized. Nine months endedSep 30 Sep 302026 2025Operating net income available to common shareholdersNet income available to common shareholders $ 306,147 $ 284,953Less: Other — (869)Plus: Core deposit intangible amortization 16,537 16,756Plus: Acquisition-related expense 18,223 380Plus: FultonFirst implementation and asset disposals 1,382 (524)Plus: Debt extinguishment costs 787 —Less: Tax impact of adjustments (7,755) (3,306) Operating net income available to common shareholders (numerator) $ 335,321 $ 297,390 297,390 Weighted average shares (diluted) (denominator) 188,977 183,718 Operating net income available to common shareholders, per share (diluted) $ 1.77 $ 1.62 Includes a loan recovery adjustment of $0.6 million for the nine months ended September 30, 2025, reflected in the provision for credit losses related to a loan acquired in the Republic Transaction. (1) (1) (1) (1) 19