{"url_path":"/sec/fultp/8-k/2026-04-27/body","section_key":"body","section_title":"Body","topic":"sec","document":{"doc_type":"8-K","doc_date":"2026-04-27","source_url":"https://www.sec.gov/Archives/edgar/data/700564/0001552781-26-000274-index.html","accession_number":"0001552781-26-000274","cik":"0000700564","ticker":"FULT","issuer_name":"FULTON FINANCIAL CORP","edgar_url":"https://www.sec.gov/Archives/edgar/data/700564/0001552781-26-000274-index.html","primary_entity_key":"0000700564","primary_entity_name":"FULTON FINANCIAL CORP"},"word_count":5556,"has_tables":true,"body_markdown":"EX-99.1\n2\ne26221_ex99-1.htm\n\n**Exhibit 99.1**\n\nFulton Financial Corporation © 2026 Fulton Financial Corporation. All rights reserved. Fixed Income Presentation Data as of or for the period ended March 31,\n2026, unless otherwise noted\n\n© 2026 Fulton Financial Corporation. All rights reserved. Forward Looking Statements & Non-GAAP Disclaimers As used in this presentation,\nthe terms “Fulton\", \"the Company\", \"registrant\", \"we\", \"us\", and \"our\" mean Fulton Financial Corporation and its subsidiaries, on\na consolidated basis, unless the context indicates otherwise. This presentation contains estimates, predictions, opinions, projections\nand other \"forward-looking statements\" as that phrase is defined in the Private Securities Litigation Reform Act of 1995. Such statements\ninclude, without limitation, references to the Company’s predictions or expectations of future business or financial performance\nas well as its goals and objectives for future operations, financial and business trends, business prospects, and management's outlook\nor expectations for earnings, revenues, expenses, capital levels, liquidity levels, asset quality or other future financial or business\nperformance, strategies, federal reserve projected actions, or expectations. The words “believe,” “expect,” “anticipate,”\n“plan,” “estimate,” “target,” “project” and similar expression or the negative version\nof such expressions, among others, generally identify forward-looking statements. Such forward-looking statements are based on various\nassumptions (some of which may be beyond the Company's control) and are subject to significant risks and uncertainties (which change over\ntime) and other factors, including, but not limited to, volatile market conditions and uncertain economic trends in the United States\ngenerally and in financial markets, particularly in the markets in which the Company operates and in which its loans are concentrated,\nincluding potential recessionary and other unfavorable conditions and trends related to housing markets, costs of living, unemployment\nlevels, trade, monetary and fiscal policies, interest rates, supply chain issues, inflation, economic growth, the uncertain effects of\ngeopolitical instability, armed conflicts, public health crises, inflation, interest rates and actions taken in response thereto on our\nbusiness, results of operations, capital and liquidity, the possibility that revenue or expense synergies and other expected benefits\nof the Company's acquisition (\"the Transaction\") of Blue Foundry Bancorp (\"Blue Foundry\"), including anticipated cost savings and strategic\ngains, are not realized when expected or at all, including as a result of the impact of, or challenges arising from, the integration of\nBlue Foundry into the Company or as a result of the strength of the economy, competitive factors in the areas where the Company and Blue\nFoundry do business, or as a result of other unexpected factors or events; reputational risks and potential adverse reactions or changes\nto business or employee relationships, including those resulting from the completion of the Transaction; diversion of management’s\nattention and time from ongoing business operations and other opportunities on matters relating to the Transaction; unanticipated challenges\nor delays in the integration of Blue Foundry’s business into the Company's business and/or the conversion of Blue Foundry’s\noperating systems and customer data onto the Company’s, which could cause actual results to differ materially from those currently\nanticipated. Such risks and uncertainties are discussed in detail in the Company’s Form 10-K for the year ended December 31, 2025\nand other documents filed by the Company with the Securities and Exchange Commission (“SEC”) from time to time. We caution\nreaders not to place undue reliance on any such forward-looking statements, which speak only as of the date on which they are made, and\nthe Company disclaims any duty to revise or update any forward-looking statement, whether written or oral, that may be made from time\nto time by or on behalf of the Company for any reason, except as specifically required by law. 2 Forward Looking Statements: This presentation\ncontains financial measures determined by methods other than in accordance with accounting principles generally accepted in the United\nStates (“GAAP”). The Company’s management believes that these non-GAAP financial measures provide a greater understanding\nof ongoing operations, enhance comparability of results of operations with prior periods and show the effects of significant gains and\ncharges in the periods presented. The Company’s management believes these non-GAAP financial measures are useful measures for management\nand investors to analyze the Company’s financial performance without the impact of unusual items or events that may obscure trends\nin the Company’s underlying performance. You should not rely on these non-GAAP financial measures as a substitute for, or as superior\nto, GAAP results. Non-GAAP financial measures have inherent limitations, are not uniformly applied and are not audited. Because non-GAAP\nfinancial measures are not standardized, it may not be possible to compare these financial measures with other companies’ non-GAAP\nfinancial measures having the same or similar names. For a reconciliation of these non-GAAP financial measures to their most directly\ncomparable GAAP measures, see the Appendix. Non-GAAP Financial Measures: This presentation has been prepared by the Company solely for\ninformational purposes and information contained herein constitutes confidential information and is provided to you on the condition that\nyou will hold it in strict confidence and not reproduce, disclose, forward or distribute it to any third party in whole or in part without\nthe prior written consent of the Company. This presentation is not an offer to sell securities and the Company is not soliciting an offer\nto buy securities in any jurisdiction where such offer or sale is not permitted. Neither the SEC, Federal Deposit Insurance Corporation,\nnor any state securities commission has approved or disapproved of the securities of the Company or passed upon the accuracy or adequacy\nof this presentation. Any representation to the contrary is a criminal offense. The Company has filed a shelf registration statement (including\na base prospectus) (File No. 333-289488) with the SEC. Any offering of securities will be made only of a prospectus supplement and accompanying\nprospectus filed with the SEC. In the event the Company proceeds with an offering, before you invest, you should read the prospectus in\nthat registration statement, the preliminary prospectus supplement and other documents the Company has filed with the SEC for more complete\ninformation about the Company and any such offering. You may access these documents for free by visiting EDGAR on the SEC’s website\nat www.sec.gov. Alternatively, the Company, any underwriter or any dealer participating in the offering will arrange to send you the prospectus\nand the related preliminary prospectus supplement if you request it by contacting Piper Sandler & Co. toll-free at 866-805-4128 or\nemailing fsg-dcm@psc.com or by calling J.P. Morgan Securities LLC at 212-834-4533. Certain information contained in this presentation\nrelated to or is based on publications and other data obtained from third party sources. While the Company believes these third party\nsources to be reliable as of the date of this presentation, the Company has not independently verified, and makes no representation as\nto the adequacy, fairness, accuracy or completeness of, any information obtained from third party sources. The delivery of this presentation\nshall not, under any circumstances, create any implication that there has been no change in the affairs of the Company after the date\nhereof. Disclaimer: Preliminary Financial Information This presentation includes certain preliminary unaudited financial information and\nexpectations relating to the first quarter of 2026. Our full unaudited financial statements as of and for the three months ended March\n31, 2026 are not yet available. In the opinion of management, such unaudited financial information includes all adjustments (consisting\nof normal recurring adjustments) necessary for a fair presentation of our financial position and results of operations for such period.\nThese results are also subject to further revision based upon the review of our independent auditors of such quarterly results and an\naudit by our independent auditors of our annual results for the year ended December 31, 2026. Therefore, no assurance can be given that,\nupon completion of our review and the review of our independent auditors, we will not report materially different financial results than\nthose set forth in this presentation. We cannot assure you that such results will be indicative of our results for the entire year ending\nDecember 31, 2026. Further, although this presentation describes the current estimated impact of our potential use of a portion of the\nproceeds from this offering, any such actions will depend on a number of factors, including market conditions and business developments.\nWe are not required to apply any portion of the net proceeds of this offering for any particular purpose, and our management will have\nbroad discretion in allocating the net proceeds of the offering. We do not intend to update or otherwise revise these expected events\nand estimates to reflect future events or changes in estimates and do not intend to disclose publicly whether our actual results will\nvary from our estimates other than through the release of actual results in the ordinary course of business. No independent public accounting\nfirm has compiled, examined or performed any procedures with respect to the anticipated financial information contained above, nor have\nthey expressed any opinion or other form of assurance on such information or its achievability. These estimates should not be regarded\nas a representation by us, our management or the underwriters as to our actual results for the first quarter. The assumptions and estimates\nunderlying the estimated financial information are inherently uncertain and are subject to a wide variety of significant business, economic\nand competitive risks and uncertainties, including those described under “Risk Factors” and “Cautionary Note Regarding\nForward-Looking Statements” in our SEC filings. Accordingly, you should not place undue reliance on these estimates.\n\n© 2026 Fulton Financial Corporation. All rights reserved. • $32 billion in assets, approximately 200 financial centers, 200\ncommercial sales professionals, 100mortgage loan officers, and more than 3,300 team members operating in a customer-dense Mid-Atlantic\nmarket(1) • Market capitalization of ~$3.9 billion(2) • Current valuation(2) of 10.5x TTM diluted EPS of $2.10 and 1.2x BV (1.5x\nTBV (3)) • Steady increase in shareholder value with a five-year TBV per share CAGR since Q1 ‘21, excluding AOCI(3), of 7.2%\n• Ten-year CAGR in common dividendsof 7.8% (4) • 3.46%dividend yield(4) • $126 million remaining of a $150 million share\nrepurchase authorization(5) • Fulton completed the acquisition of Blue Foundry on April 1, 2026. Blue Foundry’s total assets\nas of March 31, 2026 were $2.1 billion A Growing and Well-Positioned Franchise 3 (1) As of March 31, 2026. (2) Based on shares outstanding\nof 178.8 million and closing price of $21.99 as of April 17, 2026. (3) As of March 31, 2026, TBV per share was $15.12. TBV and TBV per\nshare are non-GAAP financial measures. Please refer to the reconciliation on the slides titled “Non-GAAP Reconciliation” at\nthe end of this presentation. (4) Based on current quarterly common dividend of $0.19 per share and closing stock price of $21.62 per\nshare as of April 13, 2026, the future payment of dividends is not guaranteed and is subject to various factors, including approval by\nthe Company's board of directors (“the board”) and any applicable regulatory approvals. (5) Authorization expires January\n31, 2027. Up to $25 million of the $150 million authorization may be used to repurchase the Company’s preferred stock or outstanding\nsubordinated notes. Future repurchases of securities are at the sole discretion of the board and there is no guarantee any repurchases\nof shares will occur even with an authorized amount for repurchases. Map does not include Blue Foundry locations\n\n© 2026 Fulton Financial Corporation. All rights reserved. A Balanced Business Model Delivering Strong Returns 4 • Non-interest\nincome as a percentage of revenue of approximately 21% as of March 31, 2026 • Wealth management accounts for approximately 1/3 of\ntotal non-interest income, delivering a 9% 5-year TTM CAGR since Q1 ‘21, AUM/AUA of $17.1 billion and over 85% in recurring income\nas of March 31, 2026 • Commercial banking businesses representing approximately 1/3 of total non-interest income as of March 31,\n2026 • Fulton Mortgage Company caters to the new home purchase business with the ability to leverage refinance activity into gain\non sale revenue • A full-service commercial bank with robust treasury services, payment technology solutions, wealth management and\nfull-service mortgage company • Ongoinginvestment in technology, digitally enabling a growing customer base • Serving a diversified,\ndense and economically stable market • Room to grow in existing markets and continue to penetrate both organically and inorganically\n• Organic growth strategy supplemented by inorganic, in-market opportunities • Low bank-level CRE concentration (190%) as of\nMarch 31, 2026 when historically compared to peers(1) • Reduced financial center infrastructure over the last ten years, driving\naverage deposits per financial center over $100 million • Completed $4.8 billion transaction in 2024, $930.6 million acquisition\nin 2022, acquired five wealth management firms since 2018, and effective April 1, 2026, closed the Blue Foundry acquisition(2) •Operate\nin a target-rich market with over 40 in-market banking institutions that fit our M&A criteria and strategy • 1Q26 operating diluted\nEPS of $0.55(3) • Operating ROAA of 1.30%(3) in 1Q26 compared to 1.27%(3) in 4Q25 • 1Q26 operating ROATCE of 14.76%(3) compared\nto 14.86%(3) in 4Q25 • Efficiency ratio of 56.7%(3) and 60.0%(3) in 1Q26 and 4Q25, respectively • 1Q26 NCOs to average loans\n(annualized) of 25 bps; ACL to loans of 1.51% in addition to on-balance sheet purchase accounting marks Premier Franchise that Provides\nExpanding andInnovative Solutions Robust Combination of Diversified Business Lines and Fee Income Businesses Dynamic Growth Strategy Blending\nan Organic Engine with Inorganic Opportunities Attractive Risk-Adjusted Profitability and Returns (1) For a list of peers please see page\n37 of the Company’s proxy statement dated April 1, 2026. (2) Blue Foundry’s total assets as of March 31, 2026 were $2.1 billion.\n(3) Non-GAAP financial measure. Please refer to the reconciliation on the slides titled “Non-GAAP Reconciliation” at the end\nof this presentation.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Robust and Scalable Product Suite 5 Commercial Banking Consumer Banking\nBusiness Banking TreasuryManagement Wealth andTrust InternationalServices CapitalMarkets MortgageBanking •Significant technology\nspend over the past six years •Focus on digital enablement as a driver of growth, efficiency and service Well positioned to compete\nin and serve our market ROBUSTPRODUCTS AND SERVICES INDUSTRY-LEADINGTECHNOLOGYPLATFORMS NIMBLECOMPETITIVEPOSITION\n\n© 2026 Fulton Financial Corporation. All rights reserved. A Community Bank Strategy, Operating on a Regional Scale 6 Execution of\nour Strategic Objectives has provided us with long-term growth in customers, exceptional customer experience and enhanced operational\nmetrics, delivering results to our stakeholders Our Differentiator: Customer Intimacy\n\n© 2026 Fulton Financial Corporation. All rights reserved. Fulton Financial Corporation Market Total MSA Market Rank FULT Total Branches\n2025 FULT Total Deposits 2025 ($000) FULT Total Deposit Market Share 2025 (%) Branches #(1) Total Deposits ($000) Median Household Income\n2026 ($)(1) 5-yr Cumulative Proj. Household Income Growth 2026-2031 (%)(1) 5-yr Cumulative Proj. Population Growth 2026-2031 (%) (1) Philadelphia-Camden-Wilmington,\nPA-NJ-DE-MD 10 71 8,441,061 1.30 1,370 648,073,691 95,664 10.8 1.31 Lancaster, PA 1 20 5,016,989 28.40 153 17,665,841 87,966 8.4 1.34\nNew York-Newark-Jersey City, NY-NJ 83 38 3,289,658 0.08 4,251 3,959,534,441 105,148 11.4 1.21 Allentown-Bethlehem-Easton, PA-NJ 4 15 1,962,110\n8.80 193 22,289,558 89,496 11.3 2.32 Baltimore-Columbia-Towson, MD 11 13 1,214,918 1.19 522 101,739,695 102,689 9.6 0.29 York-Hanover,\nPA 3 7 1,190,576 12.49 90 9,534,965 87,779 8.5 2.90 Lebanon, PA 1 6 1,093,264 34.31 31 3,186,332 87,255 13.5 1.02 Harrisburg-Carlisle,\nPA 6 6 1,012,075 5.02 140 20,154,811 87,082 10.8 3.08 Reading, PA 6 7 830,930 3.92 91 21,180,952 82,588 10.2 2.13 Hagerstown-Martinsburg,\nMD-WV 3 4 629,938 11.04 70 5,706,649 83,522 12.7 4.97 Top 10 Fulton Financial Corporation MSAs(2) 187 24,681,519 0.51 6,911 4,809,066,935\n93,364(3) 10.4(3) 1.6(3) Total Franchise 226 27,835,340 0.52 9,046 5,370,637,600 92,869(3) 10.3(3) 1.7(3) Well Positioned in Attractive\nand Stable Markets 7 (1) Demographic data as of April 14, 2026. (2) Top 10 Company MSAs ranked by total deposits, descending. (3) Top\n10 and total franchise projected household income growth and projected population growth reflects weighted average based on deposits.\nNote: Deposit market share data as of June 30, 2025 annual FDIC survey. Source: S&P Capital IQ Pro.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Deep Executive Bench Providing Continuity at Fulton 8 Name Position Years\nat Fulton Years in Financial Services Curt Myers Chairman, CEO & President 35 35 Rick Kraemer Chief Financial Officer 1 25 Meg Mueller\nChief Credit Executive 29 39 Andy Fiol Chief Banking Officer 8 23 Atul Malhotra Chief Risk Officer 10 24 Kevin Gremer Chief Operatings\nand Technology Officer 1 28 John Glover Head of Commercial Banking 19 28 Josephine Mauriello Head of Consumer and Small Business 18 42\n\n© 2026 Fulton Financial Corporation. All rights reserved. 1Q264Q251Q264Q25Net Income Available to Common Shareholders (dollars in\nmillions)$92.2$96.4$99.7$99.4ROAA (annualized)1.20%1.23%1.30%1.27%ROATCE (annualized)----14.76%14.86%Efficiency Ratio ----56.7%60.0%Non-Interest\nExpense / Total Average Assets (annualized)2.54%2.64%2.42%2.53%Diluted EPS$0.51$0.53$0.55$0.55Operating PPNR ----$141.0$131.8Operating\nPPNR / Average Assets ----1.79%1.64%GAAP ReportedOperating(1) First Quarter 2026 Financial Highlights 9 Focus: •Strong Balance Sheet\nand Liquidity •Benefits Realization from Strategic Initiatives •Ongoing Commitment to Organizational Efficiency Productivity:\n•Disciplined and Profitable Growth •Solid Operating Profitability Metrics •Operating Net Income Available to Common Shareholders(1)\nof $99.7 million or $0.55 per Diluted Share (1) (1) All operating figures represent Non-GAAP financial data. Please refer to the reconciliations\non the slides titled “Non-GAAP Reconciliation” at the end of this presentation. Note: Dashes represent Non-GAAP data that\nis not applicable to the GAAP Reported table.\n\n© 2026 Fulton Financial Corporation. All rights reserved. 9.9%10.0%10.3%10.8%11.8%11.9%202120222023202420252026Q184.9%98.2%99.1%92.0%90.8%90.7%202120222023202420252026Q17.8%6.9%7.4%7.5%8.5%8.6%202120222023202420252026Q1\nConsistent Balance Sheet Growth 10 Total Assets ($B) Total Deposits ($B) Gross Loans HFI ($B)$25.8$26.9$27.6$32.1$32.132.2(2)202120222023202420252026Q1\nCET1 Ratio$21.6 $20.6 $21.5 $26.1 $26.6 $26.8 202120222023202420252026Q1$18.3 $20.3 $21.4 $24.0 $24.1 $24.3 202120222023202420252026Q1\nLoan / Deposit Ratio Tang. Common Equity / Tang. Assets(3) (1) (1) Denotes FDIC-assisted transaction. (2) Total assets not shown pro forma\nfor acquisition of Blue Foundry which was completed on April 1, 2026. Blue Foundry’s total assets as of March 31, 2026 were $2.1\nbillion. (3) Non-GAAP financial measure. Please refer to the reconciliations on the slides titled “Non-GAAP Reconciliation”\nat the end of this presentation.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Net Interest Income 11 •NIM was 3.58% in the first quarter of 2026,\ndecreasing one bps compared to the fourth quarter of 2025. •Loan yield of 5.70% decreased 12 bps during the first quarter of 2026\ncompared to the fourth quarter of 2025. •Total cost of deposits was 1.78% in the first quarter of 2026, an eight bps decrease compared\nto the fourth quarter of 2025. Average Interest-Earning Assets and Yields Highlights Average Deposits and Borrowings & Other, Cost\nof Deposits and Cost of Funds NII(1) and NIM (millions) (billions) (billions) (1) NII on a non-FTE basis using a 21% federal tax rate\nand statutory interest expense disallowances.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Non-Interest Income Remains a Key Revenue Source at Over 20% of Total Revenue\n12 Wealth Management AUM/AUA in excess of $17 billion as of March 31, 2026 Robust Commercial Fee Income Businesses Consistent Consumer\nFees Three months ended 3/31/26 Three months ended 3/31/26 Total Revenue Non-Interest Income Diversified Non-Interest Income in Complementary\nBusinesses Wealth management$24,496$23,879$22,639$22,281$21,785$617Commercial banking22,80624,11323,16523,43121,329(1,307)Consumer banking14,17615,44215,17414,52813,068(1,266)Mortgage\nbanking3,9553,6363,7113,9913,138319Other4,4082,9105,7184,9177,9141,498Non-interest income before investment securities gains (losses)$69,841$69,980$70,407$69,148$67,234($139)Investment\nsecurities gains (losses), net––––(2)–Total Non-Interest Income$69,841$69,980$70,407$69,148$67,232($139)\nChange Since 4Q251Q26(dollars in thousands)4Q253Q252Q251Q25\n\n© 2026 Fulton Financial Corporation. All rights reserved. Material and Consistent Fee Income, Robust Suite of Commercial and Consumer\nServices 13 Repeatable Income Stream; Analytics-Based Cross-Sell Opportunity Optimized Account Framework and Exception Process; Multi-Channel\nDistribution Strategy Robust Back-to-Back Swap Program Serves Commercial Customers Financial Center Network and Loyal Customer Base Drive\nConsumer Fees Merchant and Card Income Cash Management Capital Markets Consumer Fees Commercial Non-Interest Income Consumer Non-Interest\nIncome(2) (thousands) (thousands) (1) (1) (1) TTM through March 31, 2026 (2) Does not include gain on sale from residential mortgages.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Mature and Growing Wealth Management Businesses, Consistent Non-Interest\nIncome and Diversified Client Base Delivering Solid Results(1) 14 Over 85% Recurring Income Client and Market Aligned Growth $93.3 Million\nTTM(3) Non-Interest Income represents a CAGR since Q1 ‘21 of 9% Five Wealth Management Acquisitions Since 2018 Organic and Analytics\nBased Growth Strategy Wealth Management AUM/AUA(2) (billions) (1) Wealth Management revenue does not include NII. (2) AUM and AUA are\nending market values for the periods ended December 31, 2020 to March 31, 2026. (3) TTM through March 31, 2026 Wealth Management income.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Salaries and employee benefits$109,917$121,632$111,265$107,123$103,526($11,715)Data\nprocessing and software18,66219,69518,53518,26218,599(1,033)Net occupancy18,22917,55415,95416,41018,207675Other outside services12,75013,10512,95112,00911,837(355)Intangible\namortization5,3495,3655,3685,4606,269(16)FDIC insurance4,2494,5405,0894,9515,597(291)Equipment3,9244,0013,9264,1004,150(77)Professional\nfees2,2392,0882,3202,163(1,078)151Acquisition-related expenses2,644802––3801,842Other22,33124,20421,16622,33321,973(1,873)Total\nnon-interest expense$200,294$212,986$196,574$192,811$189,460($12,692)Non-GAAP adjustments:Less: Intangible amortization(5,349)(5,365)(5,368)(5,460)(6,269)16Less:\nAcquisition-related expenses(2,644)(802)––(380)(1,842)Less: FDIC special assessment–95–––(95)Less:\nFultonFirst implementation and asset disposals(1,556)(2,795)207270471,239Operating non-interest expense(1)$190,745$204,119$191,413$187,621$182,858($13,374)(dollars\nin thousands)1Q264Q253Q252Q251Q25 Change Since 4Q25 Efficiency Ratio(1) Disciplined Management of Non-Interest Expense Drives Earnings\n15 • Salaries and employee benefits expense decreased primarily due to a decrease in incentive compensation expense in the first\nquarter of 2026 Highlights (1) Non-GAAP financial measure. Please refer to the reconciliation on the slides titled “Non-GAAP Reconciliation”\nat the end of this presentation. With respect to Operating non-interest expense, calculation and reconciliation to GAAP measure is included\non this slide.\n\n© 2026 Fulton Financial Corporation. All rights reserved. A Diversified Loan Portfolio with Growth in Multiple Categories 16 Loan\nMix By Product(1) Highlights • The loan portfolio has grown $5.4 billion since 2020 •A balanced loan mix enhanced by 2022 and\n2023 adjustable-rate mortgage growth outpacing other categories •Commercial mortgages remain a stable percentage of the mix Commercial\nMortgage Non-Owner Occupied Portfolio 16 (billions) (1) Loan mix by product is based on ending balances for the periods ended December\n31, 2020 to March 31, 2026. The C&I category includes Paycheck Protection Program loan growth and forgiveness. The Construction category\nincludes residential and commercial construction loans. The Commercial Mortgage category includes both owner and non-owner occupied loans.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Asset Quality 17 NPAs and NPAs / Assets (1) Provision for Credit Losses\nACL(2) / NPLs and ACL / Loans NCOs and NCOs / Average Loans (millions) (millions) (millions) (1) NPAs include accruing loans past due\n90 days or more (2) The ACL relates specifically to “Loans, net of unearned income” and does not include reserves related\nto off-balance sheet credit exposures.\n\n© 2026 Fulton Financial Corporation. All rights reserved. A Deposit Portfolio That Is Granular, Tenured and Diversified With Significant\nLiquidity Coverage 18 Deposit Mix By Product(1) Highlights(2) • 878,495 deposit accounts •$30,919 average account balance •Average\naccount age of ~ten years •24% net estimated uninsured deposits •281% coverage of net estimated uninsured deposits Q1 ‘26\nDeposit Mix By Customer 18 (billions) (1) Deposit mix by product is based on ending balances for the periods ended December 31, 2020 to\nMarch 31, 2026. (2) As of March 31, 2026. Estimated uninsured deposits net of collateralized municipal deposits and inter-company deposits.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Investment Portfolio and Liquidity Review 19 High-Quality Investment Portfolio\nProvides Consistent Cash Flows and Borrowing Capacity Resi. MBS35%CMOs12%Comm. MBS53% HTM Portfolio at Amortized Cost as of March 31,\n2026Resi. MBS22%CMOs31%Comm. MBS17%State & Muni.24%Corporate Bonds6% AFS Portfolio at Fair Value as of March 31, 2026 At March 31,\n2026, Fulton’s securities portfolio totaled $4.7 Billion: •$1.4 Billion, or 30%, of held-to-maturity securities •$3.3\nBillion, or 70%, of available for sale securities Fulton’s securities portfolio yielded 3.58% for the quarter ended March 31, 2026\n•Investment securities carried at $0.5 billion were pledged as collateral to secure public and trust deposits. •Reported AOCI\nimproved $49.7 million or 18.2% since Q1 ‘25 Portfolio Highlights as of March 31, 2026 $3.3 BN $1.4 BN Liquidity Review (1) Subordinated\nnotes exclude unamortized discounts and issuance costs. (2) Includes repurchase agreements, short-term promissory notes, capital leases\nand collateral liabilities. (3) Shown net of outstanding advances and lines of credit. (4) Represents a weighted average of total borrowings\nand brokered deposits. Outstanding Avg. Rate Available Three Months Ended March 31, 2026 (thousands) (%) (thousands) Brokered Deposits\n$856,823 3.89% $4,187,657 FHLB advances 221,039 3.99 7,444,443(3) Federal reserve capacity -- -- 3,708,815 Fed funds lines -- -- 2,576,000\nSubordinated debt due 2030(1) 195,000 5.98 -- Subordinated debt due 2035(1) 175,000 3.75 -- Other borrowings(2) 770,395 2.84 -- Total\nborrowings and brokered deposits $2,218,257 3.69%(4) $17,916,914\n\n© 2026 Fulton Financial Corporation. All rights reserved. Internal Capital Generation Enhancing Capital Ratios(1) 20 (5) (millions)\n•Increased regulatory capital ratios provide operational and strategic flexibility •Tangible common shareholders’ equity(2)\nincreased from Q4 ‘25 to Q1 ‘26 by $20 million •AOCI of ($222) million at March 31, 2026 •Current common stock dividend\nof $0.19(3) •$126 million remaining share repurchase authorization in place through January 31, 2027(4) Highlights As of March 31,\n2026 (1) Regulatory capital ratios and excess capital amounts as of March 31, 2026 are preliminary estimates. (2) Non-GAAP financial measure.\nPlease refer to the reconciliation on the slides titled “Non-GAAP Reconciliation” at the end of this presentation. (3) The\nfuture payment of dividends is not guaranteed and is subject to various factors, including approval by the board. (4) Up to $25 million\nof the $150 million authorization may be used to repurchase the Corporation’s preferred stock or outstanding subordinated notes.\nFuture repurchases of securities are at the sole discretion of the board and there is no guarantee any repurchases of shares will occur\neven with an authorized amount for repurchases. (5) Excesses shown are to regulatory minimums, including the 250 bps capital conservation\nbuffer, except for Tier 1 Leverage which is the well-capitalized minimum.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Historical Double Leverage & Interest Coverage 21 For the Twelve Months\nEndedThree Months Ended($ in thousands)12/31/202312/31/202412/31/20253/31/2026Double LeverageInvestments in Subsidiaries$2,836,602$3,357,022$3,582,235$3,586,880Total\nShareholders' Equity 2,760,1393,197,3253,490,4473,505,283Double Leverage Ratio102.8%105.0%102.6%102.3%Interest CoverageTotal Deposit Interest$292,205$521,859$514,693$115,805Borrowing\nInterest126,745100,01265,83412,228Total Interest Expense418,950621,871580,527128,033Income Before Income Taxes$348,721$344,629$485,586$117,128Interest\nCoverage (including deposit expense)1.83x1.55x1.84x1.91xInterest Coverage (excluding deposit expense)3.75x4.45x8.38x10.58x\n\n© 2026 Fulton Financial Corporation. All rights reserved. APPENDIX 22\n\n© 2026 Fulton Financial Corporation. All rights reserved. We Do What is Right - Corporate Social Responsibility 23 • Our most\nrecent Corporate Social Responsibility Report with key metrics is available at fultonbank.com/about-fulton-bank. • Integrity is fundamental\nto governance at Fulton. The Company’s established Board governance and oversight support management’s efforts to build maturity\nand capability that drives impact. • The Climate Impact Working Group underscores the Company’s commitment to progressing its\nunderstanding of, and reporting on, climate-related risks and activities. PROTECTING THE ENVIRONMENT Environment The Company is committed\nto practicing environmental stewardship in its everyday operations. Operational measures like waste reduction and smart energy use, as\nwell as financing sustainable projects, are core to these efforts. CORPORATE GOVERNANCE Governance Core values and guiding behavior lead\nthe Company to demonstrate the highest professional and ethical standards in all business activities. The Company operates under a robust\nboard- and management-level enterprise risk management structure. CHANGING LIVES FOR THE BETTER Employees The Company is committed to\ncreating a workforce culture that is welcoming, engaging and inclusive.CustomersFulton Bank has a proven track record of fair and responsible\nbanking – rated “Outstanding” for Community Reinvestment Act performance. Community Employees live and work in the communities\nwe serve and want to see these communities thrive. Through the “Fulton Forward® initiative, the Company gives back by paying\nit forward. READ THE REPORT\n\n© 2026 Fulton Financial Corporation. All rights reserved. Fixed Rate Asset Repricing(1) Coupled With a Premier Deposit Franchise\nDrives a Neutral Interest Rate Risk Profile 24 Interest Earning Assets 24 (March 31, 2026) Interest-Bearing Liabilities(3) (March 31,\n2026) Variable Rate Loans Non-maturity Deposits Fixed and Adjustable Asset Repricing Schedule (millions) (millions) (millions) (millions)\nTime Deposits and Borrowings Repricing Schedule (2) (March 31, 2026) (March 31, 2026) (1) “Repricing” includes contractual\nrepricing of adjustable-rate loans, plus estimated cashflows and maturities of fixed rate assets and liabilities assumed within the time\nframes presented. (2) Other includes non-accrual loan balances, fair value purchase accounting marks and net origination fees and costs.\n(3) Time Deposits include brokered CDs.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Glossary of Terms 25 Term/Acronym Defined As ACL Allowance for credit losses\nAOCI Accumulated other comprehensive income AUM Assets under management AUA Assets under administration CAGR Compound annual growth rate\nCD Certificate of deposit CDI Core deposit intangible CET1 Common equity tier 1 capital CRE Commercial real estate EPS Earnings per share\nFDIC Federal Deposit Insurance Corporation FTE Fully taxable-equivalent Fulton or the Corporation Fulton Financial Corporation GAAP Generally\naccepted accounting principles M&A Mergers and acquisitions Term/Acronym Defined As NCO Net charge-off NII Net Interest Income NIM\nNet interest margin NPA Non-performing asset NPL Non-performing loan PPNR Pre-provision net revenue ROAA Return on average assets ROAE\nReturn on average common shareholders’ equity ROATCE Return on average tangible common equity SEC U.S. Securities and Exchange Commission\nTBV Tangible book value TCE/TA Tangible common equity / tangible assets TRBC Total risk-based capital TTM Trailing twelve months\n\n© 2026 Fulton Financial Corporation. All rights reserved. NON-GAAP RECONCILIATION 26\n\n© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands, except per share data)Mar 31Dec\n3120262025Operating net income available to common shareholdersNet income available to common shareholders92,199$ 96,408$ Less: Other(1)-\n(4,989) Plus: CDI amortization5,255 5,255 Plus: Acquisition-related expense2,644 802 Plus: FDIC special assessment- (95) Plus: FultonFirst\nimplementation and asset disposals1,556 2,795 Less: Tax impact of adjustments(1,985) (791) Operating net income available to common shareholders\n(numerator)99,669$ 99,385$ Weighted average shares (diluted) (denominator)181,665 182,197 Operating earnings per share (diluted)0.55$\n0.55$ Non-GAAP Reconciliation 27 (1) Includes loan recovery adjustments of $5.0 million in the fourth quarter of 2025 reflected in the\nprovision for credit losses related to a loan acquired in the Republic First Bank acquisition.\n\n© 2026 Fulton Financial Corporation. All rights reserved. (dollars in thousands)Mar 31Dec 31Dec 31Dec 31Dec 31Dec 31202620252024202320222021Tangible\nCommon Shareholders' EquityShareholders equity3,505,283$ 3,490,447$ 3,197,325$ 2,760,139$ 2,579,757$ 2,712,680$ Less: Preferred Stock(192,878)(192,878)(192,878)(192,878)(192,878)(192,878)Less:\nGoodwill and intangible assets(607,647)(612,996)(635,458)(560,687)(560,824)(538,053)Tangible Common Shareholders' Equity2,704,758$ 2,684,573$\n2,368,989$ 2,006,574$ 1,826,055$ 1,981,749$ Tangible AssetsTotal Assets32,237,438$ 32,118,400$ 32,071,810$ 27,571,915$ 26,931,702$ 25,796,398$\nLess: Goodwill and intangible assets(607,647)(612,996)(635,458)(560,687)(560,824)(538,053)Tangible Assets31,629,791$ 31,505,404$ 31,436,352$\n27,011,228$ 26,370,878$ 25,258,345$ Tangible Common Equity / Tangible Assets8.6%8.5%7.5%7.4%6.9%7.8% Non-GAAP Reconciliation 28\n\n© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating ROAA(1)Net\nincome94,761$ 98,970$ Less: Other(2)- (4,989) Plus: CDI amortization5,255 5,255 Plus: Acquisition-related expense2,644 802 Plus: FDIC\nspecial assessment- (95) Plus: FultonFirst implementation and asset disposals1,556 2,795 Less: Tax impact of adjustments(1,985) (791)\nOperating net income (numerator)102,231$ 101,947$ Total average assets31,999,228$ 32,013,163$ Less: Average net CDI(54,629) (60,726) Total\noperating average assets (denominator)31,944,599$ 31,952,437$ Operating ROAA1.30%1.27% Non-GAAP Reconciliation 29 (1) Annualized. (2)\nIncludes loan recovery adjustments of approximately $5.0 million in the fourth quarter of 2025 reflected in the provision for credit losses\nrelated to a loan acquired in the Republic First Bank acquisition.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating ROATCE(1)Net\nincome available to common shareholders92,199$ 96,408$ Less: Other(2)- (4,989) Plus: Intangible amortization5,349 5,365 Plus: Acquisition-related\nexpense2,644 802 Plus: FDIC special assessment- (95) Plus: FultonFirst implementation and asset disposals1,556 2,795 Less: Tax impact\nof adjustments(2,005) (814) Adjusted net income available to common shareholders (numerator)99,743$ 99,472$ Average shareholders' equity3,543,911$\n3,464,539$ Less: Average preferred stock(192,878) (192,878) Less: Average goodwill and intangible assets(610,262) (615,600) Average tangible\ncommon shareholders' equity (denominator)2,740,771$ 2,656,061$ Operating ROATCE14.76%14.86% Non-GAAP Reconciliation 30 (1) Annualized.\n(2) Includes loan recovery adjustments of approximately $5.0 million in the fourth quarter of 2025 reflected in the provision for credit\nlosses related to a loan acquired in the Republic First Bank acquisition.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating non-interest\nexpense to total average assets(1)Non-interest expense200,294$ 212,986$ Less: Intangible amortization(5,349) (5,365) Less: Acquisition-related\nexpense(2,644) (802) Less: FDIC special assessment- 95 Less: FultonFirst implementation and asset disposals(1,556) (2,795) Operating non-interest\nexpense (numerator)190,745$ 204,119$ Total average assets (denominator)31,999,228$ 32,013,163$ Operating non-interest expense to total\naverage assets2.42%2.53% Non-GAAP Reconciliation 31 (1) Annualized.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 3120262025Operating PPNR\nto average assets(1)NII262,023$ 266,042$ Plus: Non-interest income69,841 69,980 Less: Non-interest expense(200,294) (212,985) Plus: Other\nrevenue- 11 Plus: CDI amortization5,255 5,255 Plus: Acquisition-related expense2,644 802 Plus: FDIC special assessment- (95) Plus: FultonFirst\nimplementation and asset disposals1,556 2,795 Operating PPNR (numerator)141,025$ 131,805$ Total average assets31,999,228$ 32,013,163$\nLess: Average net core deposit intangible(54,629) (60,726) Average assets (denominator)31,944,599$ 31,952,437$ Operating PPNR to average\nassets1.79%1.64% Non-GAAP Reconciliation 32 (1) Annualized.\n\n© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands)Mar 31Dec 31Sep 30Jun 30Mar 3120262025202520252025Efficiency\nratioNon-interest expense200,294$ 212,986$ 196,574$ 192,811$ 189,460$ Less: Acquisition-related expense(2,644) (802) - - (380) Less: FDIC\nspecial assessment- 95 - - - Less: FultonFirst implementation and asset disposals(1,556) (2,795) 207 270 47 Less: Intangible amortization(5,349)\n(5,365) (5,368) (5,460) (6,269) Operating non-interest expense (numerator)190,745$ 204,119$ 191,413$ 187,621$ 182,858$ NII262,023$ 266,042$\n264,198$ 254,921$ 251,187$ Plus: Tax equivalent adjustment4,302 4,416 4,436 4,389 4,340 Plus: Total non-interest income69,841 69,980 70,407\n69,148 67,232 Plus: Other revenue- 11 (138) (9) (122) Plus: Investment securities (gains) losses, net- - - - 2 Total revenue (denominator)336,166$\n340,449$ 338,903$ 328,449$ 322,639$ Efficiency ratio56.7%60.0%56.5%57.1%56.7% Non-GAAP Reconciliation 33\n\n© 2026 Fulton Financial Corporation. All rights reserved. As of(dollars in thousands)Mar 31Dec 3120262025Tangible common shareholders'\nequityShareholders' equity3,505,283$ 3,490,447$ Less: Preferred stock(192,878) (192,878) Less: Goodwill and intangible assets(607,647)\n(612,996) Tangible common shareholders' equity2,704,758$ 2,684,573$ Non-GAAP Reconciliation 34\n\n© 2026 Fulton Financial Corporation. All rights reserved. Three months ended(dollars in thousands, except per share data)Mar 31Mar\n3120262021TBV per shareShareholders' equity3,505,283$ 2,629,655$ Less: Preferred stock(192,878) (192,878) Less: Goodwill and intangible\nassets(607,647) (536,544) Tangible common shareholders' equity (numerator)2,704,758$ 1,900,233$ Shares outstanding, end of period (denominator)178,843\n162,517 TBV per share15.12$ 11.69$ Book value per share18.52$ 14.99$ TBV per share excluding AOCIShareholders' equity3,505,283$ 2,629,655$\nLess: Preferred stock(192,878) (192,878) Less: Goodwill and intangible assets(607,647) (536,544) Tangible common shareholders' equity2,704,758$\n1,900,233$ Less: AOCI(221,887) 25,838 Tangible common shareholders' equity excluding AOCI2,926,645$ 1,874,395$ Shares outstanding, end\nof period (denominator)178,843 162,517 TBV per share excluding AOCI16.36$ 11.53$ Non-GAAP Reconciliation 35"}