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 | |