Atlantic Union Bank
Total assets
$38.02B
▲ +2.2% YoY
Deposits
$30.58B
▼ -1.6% YoY
Loans
$28.40B
▲ +5.0% YoY
Offices
185
ATLANTIC UNION BANKSHARES CORP
ROA (annualized)
1.62%
peers 1.23%
ROE (annualized)
10.57%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Atlantic Union Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.9% | -3.7 pts |
| Deposit growth (YoY) | -1.6% | +5.7% | -7.3 pts |
| Loan growth (YoY) | +5.0% | +6.9% | -1.9 pts |
| ROA | 1.62% | 1.23% | +0.4 pts |
| ROE | 10.6% | 11.2% | -0.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- State
- Primary regulator
- FED
- Holding company
- ATLANTIC UNION BANKSHARES CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1051 E Cary St, Richmond City, VA, 23219
- County
- Richmond City
- Metro area
- Richmond, VA
- Offices
- 185
- FDIC cert #
- 34589
- RSSD ID
- 693224
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.02B | $30.58B | $28.40B | $5.79B | $304.2M | 1.62% | 3.96% | 0.40% |
| Q1 2026 | $37.23B | $30.42B | $27.68B | $5.76B | $134.2M | 1.44% | 3.92% | 0.36% |
| Q4 2025 | $37.50B | $30.49B | $27.52B | $5.72B | $318.5M | 0.99% | 4.21% | 0.41% |
| Q3 2025 | $36.99B | $30.71B | $27.09B | $5.62B | $196.6M | 0.85% | 4.18% | 0.42% |
| Q2 2025 | $37.20B | $31.07B | $27.05B | $5.47B | $91.5M | 0.64% | 4.11% | 0.55% |
| Q1 2025 | $24.52B | $20.56B | $18.24B | $3.49B | $59.7M | 0.98% | 3.48% | 0.32% |
| Q4 2024 | $24.47B | $20.42B | $18.30B | $3.47B | $249.9M | 1.08% | 3.49% | 0.31% |
| Q3 2024 | $24.69B | $20.33B | $18.19B | $3.51B | $177.4M | 1.03% | 3.48% | 0.24% |
Loan mix (Q2 2026): real estate $21.22B · commercial $5.63B · consumer $242.4M · securities $4.73B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Atlantic Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.23% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.3% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.55% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 54.9% | 23th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Atlantic Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Atlantic Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Atlantic Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Atlantic Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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