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FULT on Nasdaq

Fulton Financial Corporation

Logo: Fulton Financial Corp, Public domain, via Wikimedia Commons5

Regional financial services company

Fulton Financial Corporation is an American regional financial services holding company, headquartered in Lancaster, Pennsylvania. Fulton Financial Corp. has over $30 billion in assets and operates as Fulton Bank. It has over 200 banking centers that provide financial services throughout Pennsylvania, Maryland, Delaware, New Jersey, New York (until September 2024) and Virginia.3 Wikipedia text CC BY-SA 4.0

Price unavailable

Last updated Oct 21, 2026.

Overview

1882Founded1

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  • TickerFULT on Nasdaq1
  • Industryfinance1
  • HeadquartersLancaster1
  • Websitewww.fult.com
  • Incorporated inPA6
  • Business addressOne Penn Sq, Po Box 4887, Lancaster, Pa 176046
  • Filer categoryLarge accelerated filer6
  • Legal formBusiness Corporation4
  • LEI5493005QLZ6O1BNC0C114
  • StatusActive4
  • LEI statusLapsed (not renewed)4
  • Registered address1 Penn Square, 17602 Lancaster, United States4
  • Registered withPennsylvania Department of State, 7346944

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Fulton Financial Corporation is an American regional financial services holding company, headquartered in Lancaster, Pennsylvania.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

141.5%Net margin9
-6.5%Revenue growth, 20259
11.2%Return on equity9

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Financial Service, Other brought in 33% of the revenue Fulton Financial Corporation broke down this way in fiscal 2025.

  1. Financial Service, Other$92.0M933%up 8% from 2024
  2. Fiduciary and Trust$90.6M933%up 7% from 2024
  3. Deposit Account$58.2M921%up 5% from 2024
  4. Service, Other$21.5M98%up 8% from 2024
  5. Mortgage Banking$14.5M95%up 4% from 2024
Products and services by year
Products and services202320242025
Financial Service, Other$81.2M$85.0M$92.0M
Fiduciary and Trust$75.5M$84.7M$90.6M
Deposit Account$47.2M$55.5M$58.2M
Service, Other$14.1M$19.8M$21.5M
Mortgage Banking$10.4M$13.9M$14.5M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax19¢$94.0M
  • Profit81¢$391.6M

Out of $276.8M in revenue.9

Where each dollar of operating cash went, fiscal 2025

  • Dividends paid46¢$141.2M
  • Share buybacks22¢$66.0M
  • Kept or used elsewhere32¢$97.2M

Out of $304.5M of cash from operations.9

Financial statements

Revenue101112139$276.8M in 2025+31% since 2019
0$100.0M$200.0M$300.0M2019: $211.4M$211.4M20192020: $226.3M$226.3M2020+7%2021: $240.2M$240.2M2021+6%2022: $227.2M$227.2M2022−5%2023: $228.4M$228.4M2023+1%2024: $296.0M$296.0M2024+30%2025: $276.8M$276.8M2025−7%
Net income101112139$391.6M in 2025+73% since 2019
0$100.0M$200.0M$300.0M$400.0M2019: $226.3M$226.3M20192020: $178.0M$178.0M2020−21%2021: $275.5M$275.5M2021+55%2022: $287.0M$287.0M2022+4%2023: $284.3M$284.3M2023−1%2024: $288.7M$288.7M2024+2%2025: $391.6M$391.6M2025+36%

Every line of the income statement as filed: the last 3 fiscal years, latest first.9

Period ending2025-12-312024-12-312023-12-31
Loans, including fees$1.4B$1.4B$1.2B
Investment securities$187.2M$136.7M$101.5M
Other interest income$33.7M$50.6M$15.3M
Total Interest Income$1.6B$1.6B$1.3B
Deposits$514.7M$521.9M$292.2M
Federal funds purchased$13.0K$2.9M$30.4M
FHLB advances$24.5M$37.8M$47.0M
Senior debt and subordinated debt$18.4M$20.3M$21.4M
Other borrowings and interest-bearing liabilities$22.9M$39.1M$28.0M
Total Interest Expense$580.5M$621.9M$418.9M
Net Interest Income$1.0B$960.3M$854.3M
Provision for credit losses$35.7M$71.6M$54.0M
Net Interest Income After Provision for Credit Losses$1.0B$888.7M$800.2M
Business Combination, Bargain Purchase, Gain (Loss) Recognized, Amount$0$37.0M$0
Non-interest income before investment securities gains$276.8M$296.0M$228.4M
Investment securities (losses) gains, net-$2.0K-$20.3M-$733.0K
Total Non-Interest Income$276.8M$275.7M$227.7M
Salaries and employee benefits$443.5M$432.8M$377.4M
Data processing and software$75.1M$77.9M$66.5M
Net occupancy$68.1M$69.4M$58.0M
Other outside services$49.9M$60.6M$47.7M
FDIC insurance$20.2M$23.8M$25.6M
Equipment$16.2M$17.9M$14.4M
Intangible amortization$22.5M$17.8M$2.9M
Professional fees$5.5M$10.9M$8.4M
Marketing$9.3M$9.0M$9.0M
Acquisition-related expenses$1.2M$37.6M$0
Other$80.4M$62.2M$69.3M
Total Non-Interest Expense$791.8M$819.8M$679.2M
Income Before Income Taxes$485.6M$344.6M$348.7M
Income taxes$94.0M$55.9M$64.4M
Net Income$391.6M$288.7M$284.3M
Preferred stock dividends-$10.2M-$10.2M-$10.2M
Net Income Available to Common Shareholders$381.4M$278.5M$274.0M
Net income available to common shareholders (basic) (in dollars per share)$2.10$1.59$1.66
Net income available to common shareholders (diluted) (in dollars per share)$2.08$1.57$1.64
Cash Dividends (in dollars per share)$0.73$0.69$0.64

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Corporate structure

Fulton Financial Corporation sits at the top of its group. 7 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Fulton Financial Corporation

  • Fulton Financial Corporation Lancaster, Pennsylvania, United States
    • Central Pennsylvania Financial Corp. Subsidiary · Pennsylvania, United States
    • FFC Penn Square, Inc. Subsidiary · Delaware, United States
    • Fulton Bank, National Association Subsidiary · Lancaster, Pennsylvania, United States
    • Fulton Community Partner, LLC Subsidiary · Delaware, United States
    • Fulton Financial Realty Company Subsidiary · Pennsylvania, United States
    • Fulton Insurance Services Group, Inc. Subsidiary · Pennsylvania, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Fulton Financial Corporation reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$508.6M9 Dec 31, 2025$525.5M9 Dec 31, 2024−3.2%
Accumulated depreciation$333.4M9 Dec 31, 2025$330.0M9 Dec 31, 2024+1.0%
Property and equipment, net$175.2M9 Dec 31, 2025$195.5M9 Dec 31, 2024−10.4%
Operating-lease assets (leased space)$140.0M9 Dec 31, 2025$141.0M9 Dec 31, 2024−0.7%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$3.4B9 Dec 31, 2025$3.4B9 Dec 31, 2024−0.1%
Debt securities held to maturity$1.4B9 Dec 31, 2025$1.4B9 Dec 31, 2024+2.2%
Deposits held (banks)$26.6B9 Dec 31, 2025$26.1B9 Dec 31, 2024+1.8%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$553.3M9 Dec 31, 2025$553.3M9 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$82.1M9 Dec 31, 2024$7.3M13 Dec 31, 2023+1018.5%
Accumulated amortization$46.5M9 Dec 31, 2025$24.1M9 Dec 31, 2024+93.3%

Properties, in its own words

The Corporation's financial center properties as of December 31, 2025 totaled 204 financial centers. Of those financial centers, 43 were owned and 161 were leased. Remote service facilities (mainly stand-alone ATMs) are excluded from these totals. The Corporation's headquarters is located in Lancaster, Pennsylvania. The Corporation owns an operations center located in East Petersburg, Pennsylvania.

Item 2 of the 10-K filed Feb 27, 2026.17

Leadership

Who has led Fulton Financial Corporation, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. R. Scott Smith Jr.2006–2012
  2. E. Philip Wenger2014–2022
  3. Curtis J. Myers2023–now

Chair

  1. R. Scott Smith Jr.2006–2012
  2. E. Philip Wenger2009–2022
  3. Curtis J. Myers2023–now

President

  1. R. Scott Smith Jr.2006–2008
  2. E. Philip Wenger2009–2017
  3. Curtis J. Myers2018–2022
  4. Angela M. Snyder2024–now

Chief financial officer

  1. Patrick Sean Barrett2016
  2. Philmer H. Rohrbaugh2017–2018
  3. Mark R. McCollom2020–2025
  4. Beth Ann L. Chivinski2024

Chief operating officer

  1. R. Scott Smith Jr.2006
  2. E. Philip Wenger2009–2013
  3. Philmer H. Rohrbaugh2016–2017
  4. Curtis J. Myers2018–2022
197019801990200020102020
Board members and other officers (61)

Products and brands

  • bank

Listed on Wikidata.1

Banking:

Fulton Bank

Financial services and brokerage:

Fulton Financial Advisors, N.A.

Read the full text

Wealth management:

Fulton Private Bank

Commercial and Small Business Solutions:

Fulton Bank

commercial banking

Republic First Bancorp

From Wikipedia’s article on Fulton Financial Corporation, shared under CC BY-SA 4.0.7

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Central Pennsylvania Financial Corp. Pennsylvania8
  • FFC Penn Square, Inc. Delaware8
  • Fulton Community Partner, LLC Delaware8
  • Fulton Financial Realty Company Pennsylvania8
  • Fulton Insurance Services Group, Inc. Pennsylvania8

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Acquisitions

In fall 2019, Fulton Bank completed its consolidation of The Columbia Bank in Howard County, Maryland. Fulton stated that customers of The Columbia Bank should see minimal changes, other than the bank name.

In 2022, FFC purchased Prudential Bancorp, Inc., (Nasdaq:PBIP) on July 1, and the acquiree's primary subsidiary, Prudential Bank, was merged into Fulton Bank on November 5. Oddly unaffiliated with either PBIP or FFC, a "Prudential Bank" continues to operate in the United Arab Emirates; during operation, Prudential Bank was regional, headquartered in Philadelphia, and had no affiliation with Prudential Financial.

On April 26, 2024, the FDIC seized Philadelphia based Republic Bank and transferred almost all $6 Billion of assets to Fulton Bank, doubling its presence in the Philadelphia metropolitan area.

On November 25, 2025 Fulton Bank Announced the intention to acquire the $2.5 Billion Asset Blue Foundry Bancorp based in Rutherford, New Jersey. The deal is expected to close in Q2, 2026 and will further expand the bank in Northern New Jersey.

From Wikipedia’s article on Fulton Financial Corporation, shared under CC BY-SA 4.0.7

Timeline

  1. Jul 22, 20268-K Results of operations91
  2. Jul 21, 20268-K Executive or director change92
  3. May 28, 20268-K Executive or director change; Shareholder vote93
  4. May 5, 20268-K Other events94
  5. Apr 27, 20268-K Regulation FD disclosure95
  6. Apr 22, 20268-K Results of operations96
  7. Apr 1, 20268-K Completed an acquisition or sale; Regulation FD disclosure97
  8. Feb 23, 20268-K Regulation FD disclosure; Other events98
  9. Jan 21, 20268-K Results of operations99
  10. Dec 17, 20258-K Executive or director change100
  11. Dec 16, 20258-K Regulation FD disclosure101
  12. Nov 25, 20258-K Entered a material agreement102
  13. Feb 9, 2023New chief executive Curtis J. Myers becomes CEO18
  14. Jan 28, 2014New chief executive E. Philip Wenger becomes CEO19
  15. Feb 14, 2006New chief executive R. Scott Smith Jr. becomes CEO20
  16. 1882Founded Founded1

Calendar

Coming up

  1. Oct 21, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.55 a share, on Oct 21, 2025.103

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results91
  2. Apr 22, 2026Reported quarterly or annual results96
  3. Jan 21, 2026Reported quarterly or annual results99
  4. Oct 21, 2025Reported quarterly or annual results104
  5. Jul 16, 2025Reported quarterly or annual results105
  6. Jul 15, 2025Reported quarterly or annual results106
  7. Apr 15, 2025Reported quarterly or annual results107
  8. Jan 21, 2025Reported quarterly or annual results108

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

457 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 83 major events, 264 insider forms, 20 large holders, 70 other. The latest 20:

  1. Sep 16, 20264 PRIMARY DOCUMENT EDGAR
  2. Sep 16, 20263 PRIMARY DOCUMENT EDGAR
  3. Sep 8, 20264 PRIMARY DOCUMENT EDGAR
  4. Sep 3, 20264 PRIMARY DOCUMENT EDGAR
  5. Sep 2, 20264 PRIMARY DOCUMENT EDGAR
  6. Sep 1, 20264 PRIMARY DOCUMENT EDGAR
  7. Aug 14, 2026SCHEDULE 13G EDGAR
  8. Aug 7, 202610-Q EDGAR
  9. Aug 6, 20264 PRIMARY DOCUMENT EDGAR
  10. Aug 5, 2026144 EDGAR
  11. Aug 4, 2026144 EDGAR
  12. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  13. Jul 31, 20264 PRIMARY DOCUMENT EDGAR
  14. Jul 22, 20268-K EDGAR
  15. Jul 21, 20268-K EDGAR
  16. Jul 14, 20264 PRIMARY DOCUMENT EDGAR
  17. Jul 13, 2026144 EDGAR
  18. Jun 25, 202611-K EDGAR
  19. Jun 9, 20263 PRIMARY DOCUMENT EDGAR
  20. Jun 8, 20264 PRIMARY DOCUMENT EDGAR

The 457 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

34 open-market trades by officers, directors and large owners since October 2021: 10 buys and 24 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 5, 2026Crutchfield LisaDirectorSale4,100$24.80$101.7KForm 4
Aug 4, 2026Sargent Angela MSEVP & Chief Info OfficerSale12,562$24.84$312.0KForm 4
Jul 13, 2026Wenger E PhilipDirectorSale5,000$24.14$120.7KForm 4
May 4, 2026Myers Curtis JChairman & CEOSale30,748$21.26$653.7KForm 4
Apr 13, 2026Wenger E PhilipDirectorSale5,000$21.42$107.1KForm 4
Jan 12, 2026Wenger E PhilipDirectorSale5,000$19.55$97.8KForm 4
Sep 12, 2025Wenger E PhilipDirectorSale5,000$19.28$96.4KForm 4
Sep 11, 2025Fiol Andrew BSr Executive Vice PresidentBuy256$19.30$4.9KForm 4
Sep 11, 2025Taylor Bernadette MSr Executive Vice PresidentBuy164$19.30$3.2KForm 4
Jul 25, 2025Wenger E PhilipDirectorSale5,000$18.42$92.1KForm 4
Jun 6, 2025Fiol Andrew BSr Executive Vice PresidentBuy249$17.02$4.2KForm 4
Jun 5, 2025Taylor Bernadette MSr Executive Vice PresidentBuy160$17.02$2.7KForm 4
Apr 21, 2025Malhotra AtulChief Risk OfficerBuy1,100$18.60$20.5KForm 4
Jan 27, 2025Snyder Angela MPresidentSale13,322$20.69$275.6KForm 4
Dec 6, 2024Myers Curtis JChairman & CEOSale24,192$21.16$511.9KForm 4
Nov 7, 2023Wenger E PhilipDirectorSale0$13.75$4Form 4
May 12, 2023Myers Curtis JChairman & CEOBuy15,000$9.81$147.2KForm 4
May 11, 2023MCCOLLOM MARK RFormer Sr EVP & CFOBuy10,000$9.74$97.4KForm 4
May 3, 2023Campbell David MSr Executive Vice PresidentSale10,514$11.19$117.7KForm 4
Mar 16, 2023Wenger E PhilipDirectorSale1$15.33$8Form 4

All 34 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Curtis J. MyersChairman of the Board and CEO (PEO)$1.0M$5.2M116
2025Angela M. SnyderPresident$618.5K$2.3M116
2025Richard S. KraemerSenior Executive Vice President and CFO (PFO)$571.2K$1.9M116
2025Andrew B. FiolSenior Executive Vice President and Chief Banking Officer$456.1K$1.4M116
2025Meg R. MuellerSenior Executive Vice President and Enterprise Credit Executive$455.0K$1.4M116
2024Curtis J. MyersChairman of the Board and CEO (PEO)$901.2K$3.3M116
2024Angela M. SnyderPresident$550.0K$1.7M116
2024Richard S. KraemerSenior Executive Vice President and CFO (PFO)$167.1K$1.4M116
2024Meg R. MuellerSenior Executive Vice President and Enterprise Credit Executive$433.3K$1.1M116
2023Curtis J. MyersChairman of the Board and CEO (PEO)$850.0K$2.3M116
2023Angela M. SnyderPresident$500.0K$1.2M116
2023Meg R. MuellerSenior Executive Vice President and Enterprise Credit Executive$428.8K$877.3K116

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.27,975,686$676.7M0.0%+1,592,736
Vanguard Portfolio Management LLC11,953,692$289.2M0.0%+108,591
Dimensional Fund Advisors LP11,749,242$284.2M0.1%+572,241
State Street Corp11,158,632$269.9M0.0%+776,812
Vanguard Capital Management LLC8,657,231$209.4M0.0%+524,651
First Trust Advisors LP8,530,330$206.3M0.1%+479,407
American Century Companies Inc6,176,727$149.4M0.1%+1,061,397
Geode Capital Management, LLC5,286,841$127.9M0.0%+551,132
Fisher Asset Management, LLC2,989,757$72.3M0.0%+10,894
Charles Schwab Investment Management Inc2,486,802$60.2M0.0%+36,526
Morgan Stanley2,265,906$54.8M0.0%+357,324
Northern Trust Corp2,223,774$53.8M0.0%+283,662
Fuller & Thaler Asset Management, Inc.1,936,543$46.8M0.1%−2,319,860
Norges Bank1,902,512$46.0M0.0%New
Bank of New York Mellon Corp1,901,953$46.0M0.0%+64,015
Citadel Advisors LLC1,792,756$43.4M0.0%+756,100
Goldman Sachs Group Inc1,642,347$39.7M0.0%+438,116
Jupiter Topco LLC1,399,756$33.9M0.0%New
Principal Financial Group Inc1,358,296$32.9M0.0%+29,407
Ameriprise Financial Inc1,319,355$31.9M0.0%−16,626
Vanguard Fiduciary Trust Co1,259,234$30.5M0.0%+91,219
Fulton Bank, N.A.1,181,373$28.6M0.9%+1,595
Two Sigma Investments, LP1,060,461$25.7M0.0%+418,245
Victory Capital Management Inc1,039,471$25.1M0.0%+372,423
Prudential Financial Inc874,217$21.1M0.0%+420,538

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

3 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Apr 23, 2026Lloyd SmuckerRepublican, HouseSale$50,001 - $100,000+7.7%Report
Apr 17, 2026Lloyd SmuckerRepublican, HouseSale$100,001 - $250,000+7.0%Report
Apr 17, 2026Lloyd SmuckerRepublican, HouseSale$100,001 - $250,000+7.0%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How Fulton Financial Corporation is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFULTON FINANCIAL CORP2
  • CIK0000700564
  • Employer ID (EIN)23-219538917
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company17
  • Incorporated inPennsylvania17
  • Fiscal year endsDecember 312
  • Industry code (SIC)6021 National Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business addressOne Penn Sq, Po Box 4887, Lancaster, PA 176042
  • Phone71729124112
  • Shares outstanding190,914,563 as of Jul 31, 202615
  • Public float$3.2B as of Jun 30, 202517
  • AuditorKPMG LLP, Philadelphia, Pennsylvania PCAOB ID 185; it also attests to the company’s internal control over financial reporting17
  • On EDGAR sinceAug 14, 19952
  • Filings2,923 in all: 4 (1,491), 8-K (502), 5 (195), 4/A (119), 10-Q (94), 3 (49), SC 13G/A (47), 11-K (46)2
    All 54 form types

    8-K/A (33), DEF 14A (31), 10-K (30), 425 (26), S-8 (23), S-4/A (21), DEFA14A (15), S-4 (15), UPLOAD (15), CORRESP (14), 144 (13), ARS (13), 3/A (11), 424B5 (11), FWP (11), SC 13G (11), 424B2 (10), S-3ASR (8), NT 11-K (7), SC 13D (7), 8-A12G/A (5), PRE 14A (4), 424B3 (3), EFFECT (3), RW (3), S-3 (3), S-8 POS (3), SCHEDULE 13G (3), 10-Q/A (2), 11-K/A (2), 144/A (2), 5/A (2), CT ORDER (2), POS AM (2), POSASR (2), S-3/A (2), SC 13D/A (2), SCHEDULE 13G/A (2), 10-K/A (1), 10-K405 (1), 424B4 (1), 8-A12B (1), CERT (1), NT 10-K (1), S-3D (1), S-3DPOS (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 1, 2026
    Latest 8-K (8-K) Jul 22, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $2.50 par valueFULTThe Nasdaq Stock Market, LLC
Depositary Shares, Each Representing 1/40th Interest in a Share of Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series AFULTPThe Nasdaq Stock Market, LLC

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).17

Risk factors and legal proceedings

The risks Fulton Financial Corporation names in Item 1A of its 10-K filed Feb 27, 2026: 33 risks under these headings, as written.17

  • GENERAL ECONOMIC AND MARKET CONDITIONS RISKS
  • Difficult conditions in the economy and the financial markets may materially adversely affect our business, financial condition and results of operations.
  • INTEREST RATE AND CREDIT RISKS
  • We are subject to interest rate risk.
  • Changes in interest rates can affect demand for our products and services.
  • Price fluctuations in securities markets, as well as other market events, such as a disruption in credit and other markets and the abnormal functioning of markets for securities, could have an impact on our results of operations.
  • Our loan portfolio composition subjects us to credit risk.
  • A significant proportion of our loan portfolio consists of commercial mortgage loans that may pose increased credit risk.
  • LIQUIDITY AND CAPITAL RISKS
  • Changes in interest rates or disruption in liquidity markets may adversely affect our sources of funding.
  • We may need to raise additional capital in the future and such capital may not be available when needed or at all.
  • We are subject to capital adequacy standards, and a failure to meet these standards could adversely affect our financial condition.
The other 24 risks
  • RISKS RELATED TO RISK MANAGEMENT
  • We are exposed to many types of operational and other risks, and our framework for managing risks may not be effective in mitigating risk.
  • Loss of, or failure to adequately safeguard, confidential or proprietary information may adversely affect our operations, net income or reputation.
  • We are subject to a variety of risks in connection with the origination and sale of loans.
  • Our operational risks include risks associated with third-party vendors and other financial institutions.
  • Climate change may materially adversely affect our business and results of operations.
  • RISKS FROM ACCOUNTING AND OTHER ESTIMATES
  • Our Consolidated Financial Statements are based in part on assumptions and estimates which, if incorrect, could cause unexpected losses in the future.
  • There are risks resulting from the extensive use of models in our business.
  • LEGAL AND REGULATORY COMPLIANCE RISKS
  • We are subject to extensive regulation and supervision and may be adversely affected by changes in, or any failure to comply with, laws and regulations.
  • From time to time we may be the subject of litigation and governmental or administrative proceedings. Adverse outcomes of any such litigation or proceedings may have a material adverse impact on our business, financial condition and results of operations as well as our reputation.
  • Changes in U.S. federal, state or local tax laws may negatively impact our financial performance.
  • Regulations relating to privacy, information security, and data protection could increase our costs, affect or limit how we collect and use personal information and adversely affect our business opportunities.
  • RISKS RELATED TO THE CONSUMMATION OF THE MERGER AND OUR FUTURE STRATEGIC GROWTH
  • We expect to incur substantial costs related to the Merger and integration, and these costs may be greater than anticipated due to unexpected events.
  • Combining the Corporation and Blue Foundry may be more difficult, costly or time-consuming than expected, and we may fail to realize the anticipated benefits and cost savings of the Merger.
  • Our future results following the completion of the Merger may suffer if we do not effectively manage our expanded operations.
  • We may be unable to retain legacy Blue Foundry personnel successfully after the completion of the Merger.
  • Failure to complete the Merger could negatively affect us.
  • We face a variety of risks in connection with completed and potential future acquisitions.
  • If the goodwill that we have recorded or will record in the future in connection with our acquisitions becomes impaired, it could have a negative impact on our results of operations.
  • We may not be able to achieve our growth plans.
  • RISKS RELATED TO COMPETITION
  • Our ability to attract and retain qualified employees is critical to our success.
  • We face strong competition from financial services companies and other companies that offer banking services which could materially and adversely affect our business.
  • Failure to keep pace with technological change could adversely affect our business.
  • RISKS RELATED TO AN INVESTMENT IN OUR SECURITIES
  • We are a bank holding company and rely on dividends and other payments from our subsidiaries for substantially all of our revenue and our ability to make dividend payments, distributions and other payments.
  • We may reduce or discontinue the payment of dividends on, or repurchases of, our common stock.

Legal proceedings

The information presented in the "Legal Proceedings" section of "Note 21 - Commitments and Contingencies" in the Notes to Consolidated Financial Statements in Part I, "Item 1. Financial Statements" is incorporated herein by reference.

The opening of Item 3, Legal Proceedings.17

Sources

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