Fulton Financial reported net income available to common shareholders of $96.4 million, or $0.53 per diluted share, for the quarter ended December 31, 2025, representing a decrease of $1.5 million from the third quarter. On an operating basis, net income was $99.4 million, or $0.55 per diluted share, down $1.9 million from the prior quarter. Compared with the fourth quarter of 2024, operating diluted earnings per share rose 17%, driven by disciplined expense management and revenue growth across core business lines.

Net interest income totaled $266.0 million, up $1.8 million sequentially, supported by a solid net interest margin of 3.59%, despite a 13-basis-point reduction in total cost of funds. Interest expense on deposits declined by $5.9 million, and interest expense on other borrowings fell by $3.6 million. Partially offsetting these gains were decreases of $6.4 million in interest income on loans and $2.4 million on investment securities. Non-interest income was $70.0 million, roughly flat with the prior quarter, with wealth management revenues increasing by $1.2 million and commercial customer derivative fees up $0.9 million.

Total net loans increased by $103.4 million to $24.1 billion, driven by $73.4 million in consumer loan growth and $30.0 million in commercial loans. Deposits rose $256.9 million to $26.6 billion, led by a $145.4 million increase in brokered deposits and a $119.9 million rise in noninterest-bearing demand balances. The allowance for credit losses stood at $364.5 million, or 1.51% of total net loans, following a $2.9 million provision. Non-performing assets improved to 0.58% of total assets. Common Equity Tier 1 capital increased to approximately 11.8%, and the bank repurchased 1,082,678 shares for $19.9 million during the quarter under its existing repurchase program.