PackageTrendsPeer
Letter portraitLegal landscape

Atlantic Union Bank

Richmond, VA · Cert 34589 · Atlantic Union Bankshares Corp.

State charter, Fed member · FED · 177 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Atlantic Union Bank

Richmond, VA · Cert 34589 · Atlantic Union Bankshares Corp.

State charter, Fed member · FED · 177 branches

Q2 2026

$38.0BAssets
$28.7BLoans
$30.6BDeposits
$5.8BEquity
Loan mix
79%RE $20.8B20%C&I $5.4B1%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $23.7B22%Noninterest $6.8BQ2 2025Q2 2026

NIM

4.70%Q2 ’244.28%Q2 ’255.09%Q2 ’260%+28%

Non-interest income vs. expense

2.03%Q2 ’242.09%Q2 ’252.18%Q2 ’26+1%-12%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 3.6% share · #7 of 71 inst. · $10.7B of $301.4B

13.6% Richmond (City)
7.0% Montgomery
2.1% Fairfax
100.0% Caroline

Executive Summary

  • Earnings: ROA of 1.62%, up 98 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.50% of loans (-24 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.45%, up 99 bps from a year ago.
  • Funding: loans stand at 93.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%+98 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+80 bps YoY

Efficiency Ratio (YTD, annualized)

46.62%-1,305 bps YoY

Tier 1 Leverage Ratio

11.45%+99 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.85%0.99%1.44%1.62%+98 bps
Return on Equity4.42%5.81%6.70%9.35%10.57%+615 bps
Net Interest Margin2.90%3.21%3.38%3.67%3.70%+80 bps
Efficiency Ratio59.67%58.58%57.84%50.72%46.62%-1,305 bps
Non-Interest Burden1.54%1.69%1.76%1.62%1.36%-18 bps
Growth
Asset Growth (YoY)50.98%49.85%53.24%51.83%2.20%-4,878 bps
Loan Growth (YoY)49.03%49.26%50.51%51.69%4.88%-4,415 bps
Deposit Growth (YoY)55.22%51.05%49.35%47.97%-1.58%-5,680 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.55%0.54%0.44%0.50%-24 bps
Net Charge-Offs / Loans0.02%0.20%0.15%0.02%0.02%0 bps
Allowance / Loans1.15%1.07%1.06%1.04%1.04%-11 bps
Allowance Coverage of NPLs1.6x2.0x2.0x2.4x2.1x+0.5x
Capital
Tier 1 Leverage Ratio10.46%10.91%11.13%11.34%11.45%+99 bps
Total Risk-Based Capital13.50%13.76%13.98%14.07%13.99%+49 bps
Equity / Assets14.71%15.19%15.24%15.47%15.23%+52 bps
Liquidity & Funding
Loans / Deposits88.05%89.18%91.21%91.92%93.83%+578 bps
Liquid Assets / Assets5.57%3.60%4.24%3.21%3.47%-211 bps
CRE / Total Capitaln/a399%394%389%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Atlantic Union Bank

Richmond, VA · Cert 34589 · Peer group: banks over $10B in assets (n=142-144) · Atlantic Union Bankshares Corp.

State charter, Fed member · FED · 177 branches

Q2 2026

$38.0BAssets
$28.7BLoans
$30.6BDeposits
$5.8BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 94% of banks over $10B in assets (rank 9 of 144).
  • Widest gap: return on equity trails 59% of banks over $10B in assets (rank 85 of 144).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.60%

Rank 30 of 144

Net Interest Margin

3.70%

Rank 35 of 144

Efficiency Ratio

50.39%

Rank 40 of 144

Equity / Assets

15.23%

Rank 9 of 144

Non-interest income vs. expense

$305.3M$818.5MINCOMEEXPENSE
Unfavorable gap of $513.1M · efficiency ratio beats 73% of banks over $10B in assets
Bank 50.39%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.60%1.00%1.26%1.54%Beats 79%30 / 144
Return on Equity10.50%8.98%11.34%14.40%Beats 41%85 / 144
Net Interest Margin3.70%2.82%3.31%3.68%Beats 76%35 / 144
Efficiency Ratio50.39%49.42%56.02%62.41%Beats 73%40 / 144
Asset Quality
Nonperforming Loans / Loans0.50%0.48%0.73%1.07%Beats 71%42 / 142
Net Charge-Offs / Loans0.02%0.05%0.11%0.22%Beats 87%20 / 142
Capital
Tier 1 Capital Ratio13.02%12.07%12.98%14.92%Beats 53%67 / 144
Total Risk-Based Capital Ratio13.99%13.39%14.14%16.25%Beats 43%82 / 144
Equity / Assets15.23%9.69%11.39%12.96%Beats 94%9 / 144
Liquidity & Funding
Loans / Deposits93.83%75.72%84.92%91.56%83rd pctl25 / 143
Loans / Assets75.48%59.83%69.07%74.80%77th pctl33 / 144
Brokered Deposits / Depositsn/aNot reported for this institution