Atlantic Union Bank

What sets Atlantic Union Bank apart

How large is Atlantic Union Bank?

The balance sheet of Atlantic Union Bank at Q2 2026: assets $38.0 bn, deposits $30.6 bn, net loans $28.4 bn (loans equal to 92.85% of deposits). Securities make up 12.5% of total assets at Atlantic Union Bank. Since Q1 2016, when Atlantic Union Bank held $7.8 bn, its assets grew 386.3%. In the year to Q2 2026, deposits at Atlantic Union Bank fell 1.6% while its total assets rose 2.2%. At Q2 2026, Atlantic Union Bank employed 3,073 full-time equivalent staff across 184 offices, about $12.4 mn of assets per employee and $166.2 mn of deposits per office.

How much funding at Atlantic Union Bank is uninsured?

At Atlantic Union Bank, uninsured deposits (above the FDIC limit) made up 36.36% of domestic deposits at Q2 2026 (+0.15 pp on a year earlier); Atlantic Union Bank ranks 239th of 500 on this measure. In dollars, Atlantic Union Bank estimated $11.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Atlantic Union Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Atlantic Union Bank stood at 13.02% in Q2 2026, +0.54 pp year on year. Low and high at Atlantic Union Bank since Q1 2016: 10.93% (Q3 2016) to 13.28% (Q3 2021). Equity capital of Atlantic Union Bank at Q2 2026: $5.8 bn, or 15.2% of total assets. Atlantic Union Bank also reported a total capital ratio of 13.99% for Q2 2026, and a tier 1 leverage ratio of 11.45%.

On held-to-maturity securities, Atlantic Union Bank carried an unrealized loss of $29.1 mn at Q2 2026, equal to 0.5% of equity capital. The loss narrowed by $20.1 mn over the year. Its deepest point: $81.2 mn in Q3 2023. The available-for-sale portfolio of Atlantic Union Bank showed an unrealized loss of $317.1 mn at Q2 2026; the loss narrowed by $55.7 mn over the year.

For the year to Q2 2026, Atlantic Union Bank earned a return on equity of 10.57%; return on assets: 1.62%. Net interest margin at Atlantic Union Bank: 3.96%, -0.15 pp in a year. Atlantic Union Bank net income: $304.2 mn, up 232.4% year on year. The efficiency ratio of Atlantic Union Bank was 46.62%: about 47 cents cost per revenue dollar, against 57 cents at the median peer.

At Q2 2026, noncurrent loans were 0.50% of total loans at Atlantic Union Bank; net charge-offs: 0.03% of average loans. Gross loans and leases at Atlantic Union Bank: $28.7 bn, up 4.9% in a year.

The peer group of Atlantic Union Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of Atlantic Union Bank (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Virginia. Against them, Atlantic Union Bank shows CET1 ratio 13.02% against a peer median of 13.98%, return on equity 10.57% against a peer median of 9.49% and uninsured deposit share 36.36% against a peer median of 35.53%.

The FDIC history of Atlantic Union Bank, oldest first; figures before and after each event are not like for like.

1. 1 January 2018. Absorbed Xenith Bank (FDIC certificate 27125).
2. 1 February 2019. Absorbed Access National Bank (FDIC certificate 35189).
3. 1 April 2024. Absorbed American National Bank and Trust Company (FDIC certificate 6837).
4. 1 April 2025. Absorbed Sandy Spring Bank (FDIC certificate 4865).

Large one-quarter moves at Atlantic Union Bank

• Total assets at Atlantic Union Bank changed by +41.2% in the quarter to 2018-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Xenith Bank.
• Total assets at Atlantic Union Bank changed by +51.7% in the quarter to 2025-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Sandy Spring Bank.