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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