Richmond, VA · Cert 34589 · Atlantic Union Bankshares Corp.
State charter, Fed member · FED · 177 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
63
Asset Quality
79
Profitability
65
Liquidity
38
Efficiency
73
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.
Richmond, VA · Cert 34589 · Atlantic Union Bankshares Corp.
State charter, Fed member · FED · 177 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 3.6% share · #7 of 71 inst. · $10.7B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.08% | 0.98% | 0.64% | 0.85% | 0.99% | 1.44% | 1.62% | +98 bps | |
| Return on Equity | 7.53% | 7.79% | 6.86% | 4.42% | 5.81% | 6.70% | 9.35% | 10.57% | +615 bps | |
| Net Interest Margin | 3.01% | 3.02% | 3.21% | 2.90% | 3.21% | 3.38% | 3.67% | 3.70% | +80 bps | |
| Efficiency Ratio | 57.37% | 56.12% | 56.26% | 59.67% | 58.58% | 57.84% | 50.72% | 46.62% | -1,305 bps | |
| Non-Interest Burden | 1.49% | 1.44% | 1.57% | 1.54% | 1.69% | 1.76% | 1.62% | 1.36% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.72% | 16.21% | 15.30% | 50.98% | 49.85% | 53.24% | 51.83% | 2.20% | -4,878 bps | |
| Loan Growth (YoY) | 20.00% | 18.15% | 16.22% | 49.03% | 49.26% | 50.51% | 51.69% | 4.88% | -4,415 bps | |
| Deposit Growth (YoY) | 20.94% | 21.14% | 18.79% | 55.22% | 51.05% | 49.35% | 47.97% | -1.58% | -5,680 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.39% | 0.41% | 0.74% | 0.55% | 0.54% | 0.44% | 0.50% | -24 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.05% | 0.02% | 0.20% | 0.15% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 0.88% | 0.97% | 1.05% | 1.15% | 1.07% | 1.06% | 1.04% | 1.04% | -11 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.5x | 2.6x | 1.6x | 2.0x | 2.0x | 2.4x | 2.1x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 10.74% | 10.78% | 10.46% | 10.91% | 11.13% | 11.34% | 11.45% | +99 bps | |
| Total Risk-Based Capital | 13.03% | 13.30% | 13.41% | 13.50% | 13.76% | 13.98% | 14.07% | 13.99% | +49 bps | |
| Equity / Assets | 14.22% | 14.20% | 14.22% | 14.71% | 15.19% | 15.24% | 15.47% | 15.23% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.26% | 90.51% | 89.67% | 88.05% | 89.18% | 91.21% | 91.92% | 93.83% | +578 bps | |
| Liquid Assets / Assets | 4.45% | 3.91% | 4.31% | 5.57% | 3.60% | 4.24% | 3.21% | 3.47% | -211 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 399% | 394% | 389% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 1.00% | 1.26% | 1.54% | Beats 79% | 30 / 144 | ||
| Return on Equity | 10.50% | 8.98% | 11.34% | 14.40% | Beats 41% | 85 / 144 | ||
| Net Interest Margin | 3.70% | 2.82% | 3.31% | 3.68% | Beats 76% | 35 / 144 | ||
| Efficiency Ratio | 50.39% | 49.42% | 56.02% | 62.41% | Beats 73% | 40 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.48% | 0.73% | 1.07% | Beats 71% | 42 / 142 | ||
| Net Charge-Offs / Loans | 0.02% | 0.05% | 0.11% | 0.22% | Beats 87% | 20 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.02% | 12.07% | 12.98% | 14.92% | Beats 53% | 67 / 144 | ||
| Total Risk-Based Capital Ratio | 13.99% | 13.39% | 14.14% | 16.25% | Beats 43% | 82 / 144 | ||
| Equity / Assets | 15.23% | 9.69% | 11.39% | 12.96% | Beats 94% | 9 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.83% | 75.72% | 84.92% | 91.56% | 83rd pctl | 25 / 143 | ||
| Loans / Assets | 75.48% | 59.83% | 69.07% | 74.80% | 77th pctl | 33 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||