Fulton Financial is a regional bank holding company based in Lancaster, Pennsylvania, operating through its primary subsidiary, Fulton Bank. Fulton Bank operates 204 financial centers across five states — Pennsylvania, Delaware, Maryland, New Jersey, and Virginia — serving retail consumers and small- to mid-sized businesses through branch, digital, and phone channels. Commercial banking is the core revenue driver, with products including CRE loans, C&I loans, construction loans, equipment leasing, and treasury and cash management services. Consumer banking offers standard deposit products, residential mortgages, home equity loans, and auto loans. Fulton also operates a wealth management business through its Fulton Financial Advisors and Fulton Private Bank divisions, offering investment management, trust, brokerage, and advisory services, with AUM and AUA surpassing $17B. Fulton earns revenue primarily through net interest income (roughly 79% of total revenue), which is driven by loan volume, asset mix, and the spread between loan yields and deposit costs. Fee income (roughly 21% of revenue) comes from wealth management fees, cash management fees, mortgage banking, and commercial banking fees. Fulton's growth strategy centers on adding commercial bankers and wealth advisors across its existing footprint, growing lower-cost deposits, and acquiring community banks in the $1B–$5B asset range within its five-state market. Fulton acquired Republic First Bank in 2024, expanding its Philadelphia-area presence, and has a pending acquisition of Blue Foundry Bancorp expected to close in Q2 2026.