Fulton Financial Corporation is a bank holding company that owns Fulton Bank and several non-bank subsidiaries, providing a range of financial services across Pennsylvania, Delaware, Maryland, New Jersey, and Virginia through a relationship-banking model focused on personalized, community-oriented service. The company generates revenue through a diversified loan portfolio spanning commercial loans, commercial mortgage loans, and construction loans across industries including manufacturing, healthcare, agriculture, and various service companies, with no material dependence on any single customer or small group of customers. The corporation operates with a decentralized approach emphasizing local decision-making and personalized relationships with its commercial and consumer clients.