HIGHBuilt-inLoan_portfolio
63%
commercial and construction loans
“10-K Item 1A: 'approximately 63% of our loan portfolio consisted of commercial loans, commercial mortgage loans, and residential and commercial construction loans'”
FULT · Concentration risk · 10-K extracted
Fulton Financial (FULT) concentration risks
Updated
The most significant concentration Fulton Financial discloses is commercial and construction loans at 63%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Fulton Financial’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 5 disclosed concentrations
HIGH2
MEDIUM2
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inRegulatory
OCC
“10-K Item 1: 'Fulton Bank is a national banking association chartered under the laws of the United States and is primarily regulated by the OCC'”
MEDIUMBuilt-inLoan_portfolio
41%
commercial mortgage loans
“10-K Item 1A: 'commercial mortgage loans represented approximately 41% of our loan portfolio'”
MEDIUMBuilt-inLoan_portfolio
36%
uninsured deposits
“10-K Item 1A: 'approximately 36% of our deposits (excluding Intra-Company deposits) were uninsured'”
LOWOutside partyLoan_portfolio
13%
state and municipal deposits
“10-K Item 1A: 'deposits from state and municipal entities...representing approximately 13% of total deposits at December 31, 2025'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The bank's disclosed concentration profile spans loan composition, funding structure, and the regulatory framework that governs its operations. The most prominent exposure is the portfolio's tilt toward commercial credit: approximately 63% of the loan portfolio consisted of commercial loans, commercial mortgage loans, and residential and commercial construction loans — a high-share concentration by disclosed size that is structural in character, reflecting a deliberate focus on business and real estate lending. Within that broad commercial book, commercial mortgage loans alone represented approximately 41% of the loan portfolio, a moderate share that amplifies the portfolio's sensitivity to commercial real estate valuations and occupancy trends. On the funding side, approximately 36% of deposits (excluding intra-company deposits) were uninsured — a moderate-share structural exposure in which depositor behavior during stress could accelerate outflows more quickly than fully insured books. Deposits from state and municipal entities represented approximately 13% of total deposits at December 31, 2025, a small share with a dependency character given the distinctive procurement and withdrawal patterns of public-sector depositors. The bank's national charter means it is primarily regulated by the OCC, which carries structural implications for capital requirements and examination standards. Together, these disclosed concentrations describe a commercially oriented regional bank whose key watch variables are commercial real estate credit quality, the funding stability of its uninsured deposit base, and the renewal behavior of its public-sector depositor relationships.
For the engine’s reasoning on FULT’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| FULT● | Fulton Financial Corporation | 2 | 2 | 1 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.