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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Fulton Bank National Association

Lancaster, Pennsylvania · $32.56B in assets · beside the 7 other Pennsylvania banks over $10B

The filing

26.8%
CRE / loans
7th of 8
183.6%
CRE / capital
7th of 8
0.71%
NPA / loans
6th of 8

Fulton Bank National Association is the second largest of the 8 Pennsylvania banks over $10B, with $32.56B in assets at 30 June 2026. Loans are 89.0% of deposits, 4th of 8 against a median of 90.5%, and equity is 11.0% of assets, 5th of 8. Loans grew +1.5% in the year, 6th of 8, and deposits grew 3.9%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.71% of the book, 6th of 8 against a median of 0.54%; 0.48% is 30 to 89 days past due, and the allowance covers them 2.0 times. Net charge-offs are 0.30% of loans, 6th of 8. Commercial real estate is 26.8% of loans, 7th of 8 against a median of 24.6%, and 184% of capital, below the 300% screen, with construction at 25% against the 100% screen.

Return on assets is 1.29%, 3rd of 8 against a median of 1.18%, on an efficiency ratio of 58.9%, 6th of 8. Five years ago it was 1.29%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 24.6% BM BNY Mellon National Association 4.2% NB Northwest Bank 14.8% TC Tristate Capital Bank 16.8% FN First National Bank of Pennsylvania 24.2% DB Dollar Bank FSB 25.0% CB Customers Bank 25.3% FB Fulton Bank National Association 26.8% FC First Commonwealth Bank 29.7%
Loans, year over yearPA banks over $10B · 30 June 2026 · no better direction, largest first
median +4.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% DB Dollar Bank FSB +5.8% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% FC First Commonwealth Bank -1.1% BM BNY Mellon National Association -1.2%

SBA 7(a), FY2008 to FY2026

Fulton Bank National Association is the 2nd largest 7(a) lender into New Jersey of 308, with $893M across 1,041 loans, 6.7% of everything approved in the state (TD Bank, National Association leads with $1.08B). 51 of its 139 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Jersey, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Camden, NJ$97M1st of 12611.5%+0.3 pts
Middlesex, NJ$74M2nd of 1505.9%+0.3 pts
Burlington, NJ$72M1st of 1269.8%-9.4 pts
Bucks, PA$71M4th of 1406.1%-2.8 pts
Gloucester, NJ$70M1st of 9918.7%-4.6 pts
Philadelphia, PA$65M3rd of 1475.1%-1.8 pts
Union, NJ$61M2nd of 1407.0%+2.3 pts
Mercer, NJ$55M1st of 11910.0%-15.0 pts
Lancaster, PA$54M1st of 10410.1%+5.4 pts
Bergen, NJ$53M8th of 1613.0%-1.4 pts
Essex, NJ$50M3rd of 1385.5%-1.4 pts
Baltimore, MD$49M3rd of 1306.3%-3.4 pts
Morris, NJ$48M3rd of 1265.6%-1.8 pts
126 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services651$745M38.5%0.97%19th of 2,596
Retail trade349$304M15.7%0.50%41st of 2,589
Manufacturing180$164M8.5%0.41%39th of 2,246
Professional & technical services219$120M6.2%0.37%43rd of 1,955
Other services187$120M6.2%0.34%62nd of 2,248
7(a) lenders into New Jersey, share of approvals since FY2008308 lenders on record; the ten largest and Fulton Bank National Association
TB TD Bank, National Association 8.2% $1.08B · 7,092 loans FB Fulton Bank, National Association 6.7% $893M · 1,041 loans LO Live Oak Banking Company 4.3% $576M · 466 loans PB Provident Bank 4.3% $570M · 827 loans WF Wells Fargo Bank National Associa… 2.8% $364M · 1,445 loans UB Unity Bank 2.4% $322M · 413 loans N Newbank 2.2% $297M · 490 loans WS Wilmington Savings Fund Society F… 2.2% $296M · 379 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $288M · 1,832 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Fulton Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen184%7th of 8172%
Construction against capital, the 100% screen25%5th of 818%
Construction and land development, share of loans3.6%5th of 82.4%
Non-owner-occupied nonfarm nonresidential, share of loans16.7%7th of 812.6%
Total CRE, the guidance definition, share of loans26.8%7th of 824.6%
CRE growth over 36 months, the third prong+20.5%6th of 8+13.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fulton Bank National AssociationCohort median
20212026Change20212026Change
Loans$18.65B$24.40B+31%$13.64B$18.30B+34%
Deposits$21.87B$27.42B+25%$13.19B$22.10B+68%
NPA / loans0.82%0.71%-0.11 pts0.61%0.54%-0.07 pts
Efficiency65.2%58.9%-6.3 pts56.9%55.1%-1.8 pts
ROA1.29%1.29%+0.01 pts1.10%1.18%+0.07 pts

This read was prepared for Fulton Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fulton Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks over $10B
Institution www.fultonbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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