FULT Fulton Financial (FULT) Q3 FY26 earnings call
Fulton Financial delivered a quarter of record profitability, driven by robust customer deposit growth and improved operating efficiency. Strategic investments in commercial banking talent and capabilities are building momentum for future growth, despite current modest loan expansion primarily due to competitive CRE payoffs. The company maintains a strong capital position and favorable credit quality, positioning it for continued success and long-term value creation.
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FULT operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | This call Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Net interest margin | 3.58%The net interest margin was 3.58%, down just 1 basis point from the fourth quarter.Source: earnings call transcript | — | 3.58%Our net interest margin was 3.58% compared to 3.6% in the second quarter.Source: earnings call transcript | — |
| Common equity tier 1 ratio (CET1) | — | ~12.1%We repurchased $11.1 million of common stock while increasing tangible book value and improving our common equity Tier 1 ratio to approximately 12.1%.Source: earnings call transcript | 12.2%Tangible common equity ended the quarter at 8.4%, primarily reflecting the impact of AOCI, while our CET1 capital ratio remained stable at 12.2%.Source: earnings call transcript | — |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.