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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

5.16%Q2 ’245.35%Q2 ’255.17%Q2 ’26+15%+1%

Non-interest income vs. expense

2.37%Q2 ’242.81%Q2 ’252.12%Q2 ’26+13%-46%

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 1.81%, up 140 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.50% of loans (-24 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

1.81%+140 bps YoY

Net Interest Margin (quarter, annualized)

3.76%+5 bps YoY

Efficiency Ratio (quarter, annualized)

42.97%-1,858 bps YoY

Tier 1 Leverage Ratio

11.45%+99 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%1.13%1.31%1.44%1.81%+140 bps
Return on Equity2.84%7.58%8.60%9.35%11.78%+894 bps
Net Interest Margin3.71%3.73%3.86%3.67%3.76%+5 bps
Efficiency Ratio61.54%56.81%55.98%50.72%42.97%-1,858 bps
Non-Interest Burden2.06%1.95%1.95%1.62%1.12%-95 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 / Loans0.01%0.56%0.01%0.02%0.03%+2 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