# Fulton Financial Corporation competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/fulton/competitors
Last updated: Oct 19, 2026

*Part of the [Fulton Financial Corporation AI strategy profile](https://www.bankingnewsai.com/banks/fulton). Peer group: F.N.B. Corporation, Valley National Bancorp, Atlantic Union Bankshares, United Bankshares, Old National Bancorp, Wintrust Financial Corporation, Independent Bank Corp. (Rockland Trust), Commerce Bancshares.*

## Who are Fulton Financial Corporation's competitors, and what are the alternatives?

Fulton's 2025 10-K, filed February 27, 2026, says it faces direct competition from local, regional and national banks, credit unions and non-bank entities across a five-state market of Pennsylvania, Delaware, Maryland, New Jersey and Virginia, and names FinTechs, private equity and private debt funds and marketplace lenders among non-bank rivals. FDIC deposit data for June 30, 2025 show where it leads and where it does not. In its home Lancaster market Fulton holds 28.40% of deposits, ahead of Truist (14.46%), PNC (9.50%) and Wells Fargo (5.77%). In the Philadelphia market, where it has 74 offices, it holds 1.30%, against TD Bank's 15.62%, Wells Fargo's 5.31%, PNC's 4.46%, Bank of America's 4.06% and Citizens' 3.58%. In Baltimore Bank of America (27.58%) and M&T (21.86%) lead and Fulton holds 1.19%. Its acquisition of Blue Foundry in Northern New Jersey, converted on July 11, 2026, puts it closer to Valley, headquartered in Morristown. Among peers by size, F.N.B. competes in Lancaster and Baltimore and Atlantic Union in Maryland. The non-bank rivals are clearest in small-business and consumer banking: Bluevine, now being bought by Valley, served about 175,000 active small-business customers, Chime had 10.4 million active members in June 2026, and Happen Bank (formerly LendingClub) grew originations 29% in Q2 2026. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000017/vly-20251231.htm), [Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html))

## What does Fulton say about its competition?

"The banking and financial services industries are highly competitive. Within our geographic region, we face direct competition from other commercial banks, varying in size from local community banks to regional and national banks, credit unions and non-bank entities. As a result of the wide availability of electronic delivery channels, we also face competition from financial institutions that do not have a physical presence in our geographic markets." ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm))

"The industry is also highly competitive due to the various types of entities that now compete aggressively for customers that were traditionally served only by the banking industry. Under the current financial services regulatory framework, banks, insurance companies and securities firms may affiliate under a financial holding company structure, allowing their expansion into non-banking financial services activities that had previously been restricted. ... Moreover, we face increased competition from certain non-bank entities, such as FinTechs, private equity funds, private debt funds and marketplace lenders, that in many cases, are not subject to the same regulatory compliance requirements as us." ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm))

From the risk factors of the same 10-K: "We face substantial competition in all phases of our operations from a variety of competitors, including national banks, regional banks, community banks and FinTechs. Many of our competitors offer the same banking services that we offer and our success depends on our ability to adapt our products and services to evolving industry standards and customer preferences. In addition to product and service offerings, we compete based on a number of other factors, including financial and other terms, underwriting standards, technological capabilities, brand, and reputation." ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm))

"Many of our competitors have substantially greater resources to invest in technological improvements or are technology focused start-ups with internally developed cloud-native systems that offer improved user interfaces and experiences. Due to our size, we may face challenges in allocating sufficient resources to keep pace with technological investments and improvements implemented by our larger competitors. In addition, new payment, credit and investment and wealth management services developed and offered by non-bank or non-traditional competitors pose an increasing threat to the products and services traditionally provided by financial institutions like us." (2025 Form 10-K, filed February 27, 2026.) ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm))

## Who competes with Fulton in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Lancaster and central Pennsylvania | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Second in the Lancaster market behind Fulton, with 14.46% of deposits from 19 offices at June 30, 2025 against Fulton's 28.40% from 20; Truist also holds 9.74% of Baltimore deposits. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Lancaster and central Pennsylvania | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | Pittsburgh-based and present across Fulton's footprint: 9.50% of Lancaster deposits, 4.46% in Philadelphia from 132 offices and 9.84% in Baltimore (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Lancaster and central Pennsylvania | [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | Bank | A Pittsburgh-based member of Fulton's proxy peer group with 2.97% of Lancaster and 3.07% of Baltimore deposits (June 30, 2025), and plans for about 30 new Southeast and Mid-Atlantic branches over five years. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast)) |
| Home region: Lancaster and central Pennsylvania | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | A national bank of the kind Fulton's 10-K names: 5.77% of Lancaster deposits, 5.31% of Philadelphia deposits from 136 offices and 7.53% in Baltimore (June 30, 2025). ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Lancaster and central Pennsylvania | Community banks in Lancaster County | Bank | Fulton's 10-K names local community banks among its direct competitors; in Lancaster, The Ephrata National Bank held 9.96% of deposits from 16 offices and Bank of Bird-in-Hand 7.08% from 10 at June 30, 2025. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Retail deposits in Philadelphia, Baltimore and New Jersey | [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | Bank | The branch leader in greater Philadelphia: 15.62% of deposits from 121 offices at June 30, 2025, against Fulton's 1.30% from 74. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Retail deposits in Philadelphia, Baltimore and New Jersey | [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | Bank | Runs 137 offices in the Philadelphia market, the most of any bank there, with 3.58% of deposits (June 30, 2025), and 2.01% of Lancaster deposits. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Retail deposits in Philadelphia, Baltimore and New Jersey | [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Bank | Second in Baltimore with 21.86% of deposits from 90 offices, and 2.40% in Philadelphia and 3.69% in Lancaster (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Retail deposits in Philadelphia, Baltimore and New Jersey | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | The deposit leader in Baltimore, 27.58% from 61 offices, and 4.06% of Philadelphia deposits (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Retail deposits in Philadelphia, Baltimore and New Jersey | [Santander Bank (U.S.)](https://www.bankingnewsai.com/banks/santander-us) | Bank | Competes in both of Fulton's Pennsylvania anchor markets: 1.21% of Philadelphia deposits from 49 offices and 1.65% of Lancaster deposits from 3 offices at June 30, 2025. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Retail deposits in Philadelphia, Baltimore and New Jersey | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A FinTech of the kind Fulton's 10-K says competes without a physical presence in its markets; Chime's own 10-K claims a cost advantage over traditional banks by avoiding branches, and it had 10.4 million active members at June 30, 2026. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Commercial banking in the Mid-Atlantic | [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Bank | A Morristown, New Jersey bank in Fulton's proxy peer group; Fulton's Blue Foundry deal, merged and converted on July 11, 2026, extended Fulton into Northern New Jersey. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000017/vly-20251231.htm), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [American Banker](https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m)) |
| Commercial banking in the Mid-Atlantic | [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Bank | A Richmond, Virginia member of Fulton's proxy peer group that serves more than 800,000 customers across four jurisdictions and held 2.14% of Baltimore deposits at June 30, 2025, after its Sandy Spring deal closed. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [Business Wire (via Morningstar)](https://www.morningstar.com/news/business-wire/20260616510067/atlantic-union-bank-selects-spiral-to-boost-customer-savings-and-community-impact-through-everyday-banking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/195/atlantic-union-bankshares-corporation-completes-acquisition), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial banking in the Mid-Atlantic | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | Pittsburgh-based, with about $603 billion of assets and a stated $1 trillion ambition, against Fulton's roughly $34 billion; it is present in Lancaster, Philadelphia and Baltimore. ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [The Wall Street Journal](https://www.wsj.com/finance/banking/the-ceo-who-wants-to-double-the-size-of-his-bank-to-1-trillion-fa5fa70f), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial banking in the Mid-Atlantic | [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Bank | A larger lender across Fulton's Maryland and Pennsylvania markets, with more than $1.2 billion of technology spending in 2025, of the kind Fulton's 10-K says can out-invest it. ([AI News](https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm)) |
| Small business banking and payments | [Bluevine](https://www.bankingnewsai.com/fintech/bluevine) | Fintech | A digital small-business bank of the kind Fulton's 10-K calls a technology-focused start-up; it reported over 1 million lifetime small-business customers in June 2026, and Valley agreed to buy it for about $340 million in September 2026. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Bluevine via PR Newswire](https://www.prnewswire.com/news-releases/bluevine-surpasses-1-million-small-businesses-served-2-billion-on-deposit-17-billion-in-originations-302808188.html), [Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement)) |
| Small business banking and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists banks that provide payment processing, checking, savings, loans and payroll among Square's competitors; Fulton launched CashFlow Central, a payments hub for small businesses, on October 7, 2026. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Fulton Bank (PR Newswire)](https://prnewswire.com/news-releases/fulton-bank-introduces-cashflow-central-platform-to-empower-small-businesses-302901375.html)) |
| Consumer lending | [Happen Bank (formerly LendingClub)](https://www.bankingnewsai.com/fintech/lendingclub) | Fintech | A marketplace lender of the kind Fulton's 10-K names; renamed Happen Bank on June 22, 2026, it reported 29% originations growth in Q2 2026. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/lendingclub-officially-becomes-happen-bank-marking-a-new-chapter-for-the-digital-first-bank-302804847.html), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html)) |

## How do the AI and digital offerings of Fulton's competitors compare?

Fulton first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Fulton Financial Corporation (this page)](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [Index 44.3 (#66); 12 use cases, 10 in production](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE (Sep 30, 2026) ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist: 12.5 million+ requests from 2023 to March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | A new mobile app built with about 115 AI agents for about 8 million app users (July 2026) ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore Common app (50+ products in one application) and 10 AI-enabled fraud tools ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | [Index 60.2 (#47); 15 use cases, 9 in production](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| Community banks in Lancaster County | Not disclosed | No profile | Not disclosed |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | 1,800 US developers on GitHub Copilot and a vendor voice AI agent aimed at about 50% of incoming calls (September 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html)) | [Index 91.8 (#4); 18 use cases, 13 in production](https://www.bankingnewsai.com/banks/td-bank-us) | Agentic AI extended to mortgage funding and discharge (Oct 13, 2026) ([TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html)) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | CiZi assistant: call volume down 44% (June 2026) ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) | [Index 85.3 (#11); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising (Sep 29, 2026) ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot for 16,000 of 22,000 employees; gen-AI call summaries save about 6 minutes a call ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) | [Index 75.5 (#28); 14 use cases, 10 in production](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Santander Bank (U.S.)](https://www.bankingnewsai.com/banks/santander-us) | ONE Transformation: shared platforms, AI for every employee, agentic commerce ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/santander-equips-all-workers-with-ai-and-seeks-1-15-billion-business-value/), [PYMNTS](https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/), [Banking Dive](https://www.bankingdive.com/news/santander-webster-management-roles-swati-bhatia-leaving/816983/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1)) | [Index 87.2 (#8); 15 use cases, 10 in production](https://www.bankingnewsai.com/banks/santander-us) | Riley: AI lets her 'vibe code' a CRM tool herself (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-1-christiana-riley-santander-u-s)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner for some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Valley's AI Assistant and a voice AI agent in collections ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000020/exhibit991earningsrelease0.htm)) | [Index 76.6 (#26); 17 use cases, 13 in production](https://www.bankingnewsai.com/banks/valley) | Robbins on CNBC: AI agents not a threat to regional banks (Sep 29, 2026) ([CNBC](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated validation of more than 80 million data values in the Sandy Spring conversion ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | [Index 53.7 (#52); 12 use cases, 5 in production](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language (Aug 6, 2026) ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| [Bluevine](https://www.bankingnewsai.com/fintech/bluevine) | AI chatbot handling about 80% of inbound inquiries ([Valley National Bancorp](https://www.valley.com/content/dam/valley/pdfs/bluevine/Accelerating%20Valleys%20National%20Digital%20Banking%20Franchise.pdf)) | [7 use cases, 5 in production](https://www.bankingnewsai.com/fintech/bluevine) | Lean Team Economy Report (Oct 7, 2026) ([Bluevine via PR Newswire](https://www.prnewswire.com/news-releases/bluevine-study-finds-more-than-half-of-smbs-use-ai-to-handle-workload-of-at-least-one-employee-302900406.html)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Happen Bank (formerly LendingClub)](https://www.bankingnewsai.com/fintech/lendingclub) | Penny, an AI member-service agent that resolves 30% more calls than the system it replaced ([PYMNTS](https://www.pymnts.com/news/banking/2026/happens-digital-banking-push-helps-deposits-jump-18/)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/lendingclub) | Q2 2026: Penny AI agent and servicing tools reported (Jul 27, 2026) ([Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html), [PYMNTS](https://www.pymnts.com/news/banking/2026/happens-digital-banking-push-helps-deposits-jump-18/)) |

## Who should look beyond Fulton, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an in-app AI assistant | [Bank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)](https://www.bankingnewsai.com/banks/bank-of-america) | Fulton's AI sits behind the contact centre (NICE agent assist and summaries) and in employee tools; it has no branded customer assistant on the record. Erica has helped more than 24.6 million clients and Fargo passed 1 billion interactions in March 2026; all three banks compete in Fulton's markets. ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| People who need branches outside Pennsylvania, Delaware, Maryland, New Jersey and Virginia | [JPMorgan Chase, Bank of America or PNC](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Fulton had 204 financial centers, all in its five-state market, at December 31, 2025. Chase reported 5,083 branches in 2025 and Bank of America runs 3,500 financial centers in more than 100 US markets. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fulton is a branch-based community bank. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Small businesses that want an online-only account and line of credit | [Bluevine](https://www.bankingnewsai.com/fintech/bluevine) | Bluevine serves small businesses digitally and contains about 80% of inbound inquiries with AI, per Valley's deal presentation; Valley expects to close its purchase in early 2027. Fulton serves small businesses through branches and launched CashFlow Central in October 2026. ([Valley National Bancorp](https://www.valley.com/content/dam/valley/pdfs/bluevine/Accelerating%20Valleys%20National%20Digital%20Banking%20Franchise.pdf), [Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement), [Fulton Bank (PR Newswire)](https://prnewswire.com/news-releases/fulton-bank-introduces-cashflow-central-platform-to-empower-small-businesses-302901375.html)) |
| Borrowers who want a personal loan applied for and serviced online | [Happen Bank (formerly LendingClub)](https://www.bankingnewsai.com/fintech/lendingclub) | Fulton's 10-K names marketplace lenders among its non-bank competitors. Happen, renamed from LendingClub on June 22, 2026, reported 29% originations growth in Q2 2026, and its Penny AI agent resolves 30% more member calls than the system it replaced. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/lendingclub-officially-becomes-happen-bank-marking-a-new-chapter-for-the-digital-first-bank-302804847.html), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html), [PYMNTS](https://www.pymnts.com/news/banking/2026/happens-digital-banking-push-helps-deposits-jump-18/)) |
| Philadelphia-area customers who want the densest local branch network | [TD Bank or Citizens](https://www.bankingnewsai.com/banks/td-bank-us) | At June 30, 2025 TD Bank had 121 offices and 15.62% of Philadelphia-market deposits and Citizens 137 offices; Fulton had 74 offices and 1.30%. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |

## Where does Fulton rank by deposits in Lancaster, Philadelphia and Baltimore?

FDIC Summary of Deposits market share by metropolitan area, June 30, 2025. Some banks book national deposits at a single office in these markets, which inflates their share.

| Market | Fulton | Largest rivals | Peers present |
| --- | --- | --- | --- |
| Lancaster, PA | 1st: 28.40% ($5.0 billion) from 20 offices | Truist 14.46%; The Ephrata National Bank 9.96%; PNC 9.50%; Wells Fargo 5.77% | M&T 3.69%; F.N.B. 2.97%; Citizens 2.01%; Santander 1.65% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Philadelphia-Camden-Wilmington | 1.30% ($8.4 billion) from 74 offices | TD Bank 15.62% (121 offices); Wells Fargo 5.31%; PNC 4.46%; Bank of America 4.06%; Citizens 3.58% | WSFS 2.43%; M&T 2.40%; Santander 1.21% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Baltimore-Columbia-Towson | 1.19% ($1.2 billion) from 11 offices | Bank of America 27.58%; M&T 21.86%; PNC 9.84%; Truist 9.74%; Wells Fargo 7.53% | F.N.B. 3.07%; Atlantic Union 2.14% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |

## What AI do Fulton's main rivals put in front of customers?

One line per rival, from each one's own disclosures or this site's profiles.

| Rival | Customer-facing AI on the record | Date |
| --- | --- | --- |
| Fulton | NICE Autopilot self-service and chat; an AI chatbot for Blue Foundry customers | December 2024 to July 2026 ([NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Fulton Bank](https://www.fultonbank.com/WelcomeBlueFoundry)) |
| Citizens | CiZi assistant, with call volume down 44% | June 2026 ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) |
| PNC | A mobile app rebuilt with about 115 AI agents | July 2026 ([Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/)) |
| Truist | Truist Assist, 12.5 million+ requests since 2023 | March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| Chime | Jade in-app AI financial partner | September 2026 ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |

## Common questions

### Who are Fulton Bank's biggest competitors?

By deposits in its own markets: Truist and PNC in Lancaster, TD Bank, Wells Fargo, PNC, Bank of America and Citizens in Philadelphia, and Bank of America and M&T in Baltimore (FDIC, June 30, 2025). Among similar-sized banks, F.N.B., Valley and Atlantic Union, all in Fulton's proxy peer group. Its 10-K also names credit unions, FinTechs and marketplace lenders. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm))

### What is Fulton's market share in Lancaster?

Fulton held 28.40% of deposits in the Lancaster, Pennsylvania market at June 30, 2025, about $5.0 billion from 20 offices, the largest share. Truist was second with 14.46%, followed by The Ephrata National Bank (9.96%) and PNC (9.50%). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Is PNC a competitor of Fulton?

Yes, across most of Fulton's footprint: PNC held 9.50% of Lancaster deposits, 4.46% in Philadelphia and 9.84% in Baltimore at June 30, 2025. On technology PNC is far larger, with about $3.5 billion of annual technology spend; Fulton reported $75.1 million of data processing and software expense in 2025. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Lancaster%2C%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm))

### Is Chime a competitor of Fulton?

By category, in everyday checking. Fulton's 10-K says electronic delivery channels expose it to competitors without a physical presence in its markets and names FinTechs among its rivals; Chime had 10.4 million active members at June 30, 2026. Neither company names the other. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### What are alternatives to Fulton for small business banking?

Bluevine, a digital small-business bank that Valley agreed to buy in September 2026, and Square, whose parent Block lists banks among its competitors in payments and loans. Among banks, F.N.B. sells business deposit products through its eStore Common app. Fulton launched its CashFlow Central payments hub in October 2026. ([Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [PR Newswire](https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html), [Fulton Bank (PR Newswire)](https://prnewswire.com/news-releases/fulton-bank-introduces-cashflow-central-platform-to-empower-small-businesses-302901375.html))

### Does Fulton compete with Valley in New Jersey?

More directly since July 11, 2026, when Fulton merged Blue Foundry Bank, a Northern New Jersey bank it bought for $243 million in stock, into Fulton Bank and converted its systems. Valley is headquartered in Morristown, New Jersey and sits in Fulton's 2025 proxy peer group. ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [American Banker](https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000017/vly-20251231.htm), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm))

### Who competes with Fulton in Philadelphia?

TD Bank leads the Philadelphia market by branches with 121 offices and 15.62% of deposits, followed by Wells Fargo, PNC, Bank of America and Citizens, which runs 137 offices (FDIC, June 30, 2025). Fulton holds 1.30% from 74 offices, a footprint it nearly doubled in 2024 by taking over Republic First Bank from the FDIC. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Philadelphia-Camden-Wilmington%2C%20PA-NJ-DE-MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2024/Fulton-Financial-Corporation-Acquires-Substantially-All-of-the-Assets-and-Assumes-Substantially-All-of-the-Deposits-of-Republic-First-Bank-From-the-FDIC))

### Who competes with Fulton in Maryland?

In the Baltimore market Bank of America (27.58% of deposits) and M&T (21.86%, from 90 offices) lead, followed by PNC (9.84%), Truist (9.74%) and Wells Fargo (7.53%), FDIC data for June 30, 2025 show. F.N.B. (3.07%) and Atlantic Union (2.14%) are the peer-sized rivals there; Fulton holds 1.19% from 11 offices. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson%2C%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Is Bluevine a competitor of Fulton?

In small-business banking, by category. Fulton's 10-K names technology-focused start-ups with cloud-native systems and FinTechs among its competitors; Bluevine, a digital small-business bank with over 1 million lifetime customers, is being bought by Valley, a Fulton proxy peer, with closing expected in early 2027. Neither Fulton nor Bluevine names the other. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Bluevine via PR Newswire](https://www.prnewswire.com/news-releases/bluevine-surpasses-1-million-small-businesses-served-2-billion-on-deposit-17-billion-in-originations-302808188.html), [Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm))

## Peers on this site

- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [Independent Bank Corp. (Rockland Trust) AI strategy](https://www.bankingnewsai.com/banks/rockland-trust) · [vs peers](https://www.bankingnewsai.com/banks/rockland-trust/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)

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28. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
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61. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
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64. Five Big Ideas Coming Out of Dreamforce 2026 — Salesforce, Sep 24, 2026. https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/
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68. FNB Adds Business Platform to eStore Common Application — PR Newswire, Jul 24, 2025. https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html
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