Fulton Bank
Fulton Bank, N.A. is the banking subsidiary of Fulton Financial Corporation (NASDAQ: FULT), a $34 billion-asset regional bank headquartered in Lancaster, PA, operating over 200 financial centers across five Mid-Atlantic states to serve consumers, small businesses, and commercial clients with deposits, lending, treasury management, and wealth services.
- Company typePublic
- Founded1882
- HeadquartersLancaster, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Fulton Bank does
Fulton Bank, N.A. is the primary banking subsidiary of Fulton Financial Corporation (NASDAQ: FULT), a $34 billion-asset regional financial holding company headquartered in Lancaster, Pennsylvania, with operating history dating to 1882. The company operates over 200 financial centers across five Mid-Atlantic states (Pennsylvania, New Jersey, Maryland, Delaware, and Virginia), serving consumers, small businesses, and commercial clients through a relationship-based community banking model with local decision-making authority. Its product portfolio spans personal banking (checking, savings, mortgages, consumer loans), small business banking (checking, SBA loans, merchant services, CashFlow Central cash flow platform), and commercial banking (treasury management, commercial loans, industry-specific solutions for healthcare, real estate, municipalities, non-profits, and professional services), supplemented by wealth management through Fulton Financial Advisors.
The bank's core technology stack comprises a standard online and mobile banking platform supporting deposits, transfers, bill pay, mobile deposit, and account management for personal and business customers. Commercial clients access a dedicated treasury management platform with payables, receivables, liquidity management, and international services. There is no documented proprietary technology platform or differentiating technical architecture; technology investment focuses on ease-of-use implementation and integration interoperability rather than novel capabilities. Digital channels (online banking, mobile apps for iOS and Android) complement the physical branch network, and the Business Switch Kit program supports new commercial client onboarding.
Fulton generates revenue primarily through net interest income on its $24.3 billion net loan portfolio (commercial, residential mortgage, and consumer loans funded by $26.8 billion in deposits) at a 3.58% net interest margin, supplemented by non-interest income from deposit account fees, credit cards, merchant services, and treasury management. The company's revenue base is diversified across multiple customer segments and geographies, with operational efficiency improved to a 56.7% efficiency ratio and 2025 net income of $381.4 million. Growth has been augmented by acquisitions, most recently the $243 million Blue Foundry Bancorp merger completed April 2026, following the $142 million Prudential Bancorp acquisition in 2022. The bank has paid dividends for 45 consecutive years with a 3.32% current yield, and maintains a Common Equity Tier 1 capital ratio of 11.9%.
Fulton Bank firmographics
Firmographics- Name
- Fulton Bank
- Legal name
- Fulton Financial Corporation
- Website
- https://fult.com
- Company type
- Public
- Founded year
- 1882
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Fulton Bank, N.A. is the banking subsidiary of Fulton Financial Corporation (NASDAQ: FULT), a $34 billion-asset regional bank headquartered in Lancaster, PA, operating over 200 financial centers across five Mid-Atlantic states to serve consumers, small businesses, and commercial clients with deposits, lending, treasury management, and wealth services.
- Ownership category
- akta.pro rank
Fulton Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)
- akta.pro secondary industry
- Government-Sponsored Enterprises (GSEs) & Government Mortgage Liquidity Providers (FSALAKAC)
Keywords
Where Fulton Bank is headquartered
LocationHeadquarters
- HQ city
- Lancaster
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Fulton Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Primary revenue stream from interest earned on loans (commercial, residential mortgages, consumer) minus interest paid on deposits. Net interest margin held steady at 3.58% in Q1 2026. Total net loans increased to $24.3 billion.
- Community Development Loans: Community development lending including $192 million in community development loans and $149 million in mortgage loans to low- and moderate-income homebuyers.
- SBA Loans: Small Business Administration loans providing $58 million in financing to small business customers.
- Non-Interest Income: Fees from deposit accounts, credit cards, merchant services, treasury management fees, and other banking service charges.
- Charitable Contributions and Community Investment: $318 million in community development investments and $5.8 million in charitable contributions generating CRA credits and community goodwill.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Promotional Money Market Account with 3.55% APY |
| Other | Monthly | Standard deposit and loan products |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Fulton Bank product offering
Product offeringCore offering
Fulton Bank is a regional community bank that provides deposit accounts, consumer and mortgage lending, credit cards, small business and commercial banking services, treasury management, merchant services, and wealth advisory through Fulton Financial Advisors. It operates over 200 financial centers across the Mid-Atlantic region, complemented by online and mobile banking channels, and serves consumers, small businesses, and commercial clients in specialized verticals including healthcare, real estate, schools, municipalities, nonprofits, and life sciences.
Product overview
Fulton Bank operates as a regional bank offering a unified portfolio of consumer and commercial banking products across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia. The product architecture is organized into three main segments: Personal Banking (checking, savings, mortgages, and borrowing), Small Business Banking (checking, borrowing, payments, and processing), and Commercial Banking (treasury management and industry-specific solutions). Digital access is provided through online and mobile banking platforms. The bank also offers investment services through Fulton Financial Advisors and community development programs through the Fulton Forward initiative.
Differentiator
Problem solved
Functional benefit
Brands
- Fulton Financial Advisors: Wealth management and advisory services operating through Fulton Bank, N.A.
- Fulton Private Bank
- Fulton Mortgage Company
- Fulton Leasing Company
- Fulton Forward
- EMPOWER Community Banking
- CashFlow Central
- Blue Foundry Bank
Products and services
- Personal Banking Personal banking services for individual consumers including checking accounts, savings accounts, debit cards, credit cards, health savings accounts, mobile and online banking, overdraft services, and financial center services. Also includes a promotional money market account offering 3.55% APY with a minimum $10,000 new money deposit.
- Personal Borrowing Personal lending products for individual consumers including home equity lines of credit, personal loans, CD and stock secured lines of credit, short-term loans, student loans, auto loans, and unsecured lines of credit.
- Personal Mortgages Home mortgage products including fixed-rate mortgages, adjustable-rate mortgages, refinancing options, construction loans, first-time homebuyer programs, medical professional loans, and income-based programs for individual homebuyers.
- Small Business Banking Banking services for small businesses including business checking, small business credit cards, savings accounts, and online/mobile banking platforms.
- Small Business Borrowing Small business lending products including lines of credit, SBA loans, real estate loans, term loans, equipment financing, and auto loans.
- Small Business Payments and Processing Payment processing services for small businesses including merchant services, fraud prevention and risk management, ACH services, and wire transfers.
- CashFlow Central Small business cash flow management tool enabling businesses to manage their cash flow more efficiently, including payments and receivables.
- Commercial Banking Commercial banking services including commercial checking, financing and loans, commercial online and mobile banking, commercial savings, corporate credit cards, and LIBOR transition services for commercial entities.
- Commercial Treasury Management Treasury management solutions for commercial clients including payables, liquidity and investments, receivables, international services, and merchant services.
- Investments Investment products and services offered through Fulton Financial Advisors, the wealth management and advisory arm operating through Fulton Bank, N.A.
- Online and Mobile Banking Digital banking platform enabling customers to access their accounts, manage finances, pay bills, transfer funds, conduct mobile deposits, and perform other banking transactions online or via the mobile application.
Quantifiable outcome
- Net interest margin maintained at 3.58% demonstrating consistent interest income generation
- +4 more outcomes
Companies that use Fulton Bank
Customer profileNamed customers5 records
Segments9 records
Ideal customer profiles4 records
Fulton Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Fulton Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Blue Foundry BancorpcoreAll-stock merger valued at approximately $243 million, completed April 1, 2026. Blue Foundry Bancorp (holding company for Blue Foundry Bank, headquartered in Rutherford, New Jersey) merged into Fulton Financial Corporation, expanding Fulton's presence in northern New Jersey. Transaction adds approximately $2.1 billion in assets to the combined entity. Shareholders received 0.6500 shares of Fulton common stock per share held. Expected to be immediately accretive to earnings and tangible book value.
- Prudential BancorpcoreStock and cash transaction valued at approximately $142.1 million, completed July 2022. Prudential Bancorp merged into Fulton Financial Corporation with integration of Prudential Bank branches into Fulton Bank. Included $2 million donation to support community development in Philadelphia. Expanded Fulton's presence in the Philadelphia market.
Scale indicators20 records
Recent moves8 records
Expansion highlights5 records
Fulton Bank competitors and assessment
Company assessmentDirect peers
- F.N.B. Corporation: Mid-Atlantic regional community bank headquartered in Pittsburgh, PA, with comparable asset base (~$45B), branch network across PA, OH, MD, NC, SC, and similar consumer/SMB/commercial banking model. Direct peer on size, geography, and product mix.
- WSFS Financial Corporation: Philadelphia-based bank holding company operating primarily in the Mid-Atlantic (DE, PA, NJ, MD) with ~$20B in assets. Closest comparable on geography, customer segments, and community banking model.
- S&T Bancorp: Indiana, PA-based community bank with footprint across western and central Pennsylvania, similar in size (~$9B assets) and customer mix. Direct peer on regional community banking focus and SMB lending emphasis.
- Univest Financial Corporation: Pennsylvania-based community bank with operations across PA and NJ, comparable in size and product mix, focused on consumer, small business, and commercial banking. Direct peer on geography and mid-market community banking model.
- Atlantic Union Bankshares: Virginia-based regional bank with ~$24B in assets serving Virginia, Maryland, and the Carolinas. Comparable Mid-Atlantic footprint, commercial banking orientation, and growth-via-M&A strategy.
- NBT Bancorp: Northeast-based community bank (~$13B assets) operating across NY, PA, VT, MA, NH, ME with consumer, commercial, and wealth management services. Comparable community banking model and product mix.
- Lakeland Bancorp: New Jersey-based community bank with ~$10B in assets focused on consumer and commercial banking in northern NJ — overlapping Fulton's newly-expanded Blue Foundry territory. Direct peer in Fulton's core Mid-Atlantic footprint.
- Tompkins Financial Corporation: Ithaca, NY-based community bank with operations across NY, PA, and CT, offering similar consumer, commercial, and wealth management services. Comparable community banking franchise and size (~ $8B assets).
Broad incumbents
- M&T Bank Corporation: Larger Mid-Atlantic and Northeast regional bank (~$200B+ assets) with significant presence in PA, NY, NJ, MD, and VA. Operates broadly across the same geography but at much greater scale and product breadth.
Regional players
- Customers Bancorp: Pennsylvania-based commercial bank (~$22B assets) with digital-only consumer banking (BankMobile) and commercial/SMB focus. Comparable PA footprint and commercial banking emphasis with different consumer distribution model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Fulton Bank social profiles
Digital presenceFulton Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fulton Bank leadership team
Management profileNumber of profiles
Profiles10 records
Fulton Bank subsidiaries and ownership
Company hierarchySubsidiaries7 records
Fulton Bank funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fulton Bank M&A and investment
M&A and investmentM&A11 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fulton Bank
What does Fulton Bank do?
Fulton Bank is a regional community bank that provides deposit accounts, consumer and mortgage lending, credit cards, small business and commercial banking services, treasury management, merchant services, and wealth advisory through Fulton Financial Advisors. It operates over 200 financial centers across the Mid-Atlantic region, complemented by online and mobile banking channels, and serves consumers, small businesses, and commercial clients in specialized verticals including healthcare, real estate, schools, municipalities, nonprofits, and life sciences.
Is Fulton Bank a public or private company?
Fulton Bank is a public company. It is classified as public and is currently operating.
When was Fulton Bank founded?
Fulton Bank was founded in 1882. It employs 1,001 to 5,000 people.
Where is Fulton Bank based?
Fulton Bank is headquartered in Lancaster, United States, in the North America region.
How does Fulton Bank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are community Development Loans, SBA Loans, non-Interest Income and charitable Contributions and Community Investment.
Who are Fulton Bank's main competitors?
Direct peers on record are F.N.B. Corporation, WSFS Financial Corporation, S&T Bancorp, Univest Financial Corporation, Atlantic Union Bankshares, NBT Bancorp, Lakeland Bancorp and Tompkins Financial Corporation. M&T Bank Corporation is listed as a broad incumbent. Customers Bancorp is listed as a regional player.
Does Fulton Bank have an API?
No public API is recorded for Fulton Bank.
What industry is Fulton Bank in?
Fulton Bank's product category is Community Banking. Its primary akta.pro industry code is BPAHAOAD, Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit), with a secondary code of FSALAKAC, Government-Sponsored Enterprises (GSEs) & Government Mortgage Liquidity Providers. Its NAICS code is 522110 and its SIC code is 6021.