Atlantic Union Bank: Financial Reports & UBPR Data
BankRegReports is independent of Atlantic Union Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Atlantic Union Bank, based in Richmond, Virginia, reported $38.0 billion in assets at June 30, 2026, up 2.2% from a year earlier. It lost 1.6% of its deposits over the year, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 5.7%). It also spends about 43 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 53 cents).
Loans and deposits moved in opposite directions: over the year loans rose 4.9% and deposits fell 1.6%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.49% of loans, down from 0.73% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Atlantic Union Bank reported a CET1 capital ratio of 13.02%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.50% and a Texas ratio of 3.64%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1051 E Cary St, Richmond, VA 23219
- County
- Richmond City
- Metro Area
- Richmond, VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 4, 1997
- Former names
- Union Bank & Trust (2015-2019); Union First Market Bank (2010-2015); First Market Bank (2010)
- Offices
- 185 domestic
- Employees (FTE)
- 3,073
- Domestic deposits
- $30.58B
- Allowance for credit losses
- $298.8M
- Net charge-offs (YTD)
- $3.6M
- Average total assets
- $37.63B
- Average total loans
- $27.56B
- Average interest-bearing deposits
- $29.57B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 4, 1997
- FDIC Cert
- 34589
- Fed RSSD
- 693224
- SEC CIK
- 883948 → filed by ATLANTIC UNION BANKSHARES CORPORATION
- Website
- www.atlanticunionbank.com →
- Parent Holding Company
- ATLANTIC UNION BANKSHARES CORPORATION (RSSD 1971693) · AUB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John C Asbury | CEO | PRESIDENT AND CEO |
| Gorman Robert Michael | CFO | EVP AND CFO |
| Douglas F. Woolley Iii | CCO | EVP & CCO |
| Bradley S. Haun | CRO | EVP and Chief Risk Officer |
| Rachael R Lape | GC | EVP & GENERAL COUNSEL |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Atlantic Union Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Atlantic Union Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Atlantic Union Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.02% | 1.81% | 0.55% | 3.64% | 3.97% |
| Q1 2026 | 13.10% | 1.44% | 0.53% | 3.25% | 3.87% |
| Q4 2025 | 13.02% | 1.30% | 0.53% | 3.84% | 4.06% |
| Q3 2025 | 12.80% | 1.12% | 0.54% | 3.90% | 3.93% |
| Q2 2025 | 12.48% | 0.33% | 0.81% | 5.43% | 3.90% |
| Q1 2025 | 12.40% | 0.96% | 0.68% | 3.28% | 3.39% |
| Q4 2024 | 12.44% | 1.15% | 0.61% | 3.20% | 3.34% |
| Q3 2024 | 12.25% | 1.32% | 0.44% | 2.46% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 177 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Atlantic Union Bank (main office) | Richmond City , VA | 23219 | $4.46B |
| Reston Branch | Reston , VA | 20190 | $1.30B |
| Bowling Green Branch | Bowling Green , VA | 22427 | $1.21B |
| Rockville Branch | Rockville , MD | 20852 | $539.7M |
| Olney Georgia Avenue Branch | Olney , MD | 20832 | $455.9M |
| American National Bank Branch | Danville , VA | 24541 | $448.0M |
| Clarksville Branch | Clarksville , MD | 21029 | $374.5M |
| Arbor Drive Branch | Christiansburg , VA | 24073 | $341.0M |
| Catoctin Circle Branch | Leesburg , VA | 20175 | $328.1M |
| Chantilly Branch | Chantilly , VA | 20151 | $308.2M |
| Chancellor Branch | Fredericksburg , VA | 22407 | $301.1M |
| Ellicot City Branch | Ellicott City , MD | 21043 | $300.4M |
| Staples Mill Square Branch | Richmond , VA | 23228 | $299.4M |
| Gaithersburg Square Branch | Gaithersburg , MD | 20877 | $286.7M |
| Ashland Branch | Ashland , VA | 23005 | $285.1M |
| Bethesda Branch | Bethesda , MD | 20814 | $278.8M |
| Three Chopt Branch | Richmond , VA | 23226 | $269.9M |
| Four Mile Fork Branch | Fredericksburg , VA | 22408 | $269.4M |
| Wildwood Branch | Bethesda , MD | 20814 | $263.3M |
| Colesville Branch | Colesville , MD | 20904 | $259.4M |
| Airpark Community Branch | Gaithersburg , MD | 20879 | $252.6M |
| New Tysons Corner Branch | Vienna , VA | 22182 | $244.2M |
| Fairfax Branch | Fairfax , VA | 22031 | $239.9M |
| Broadview Branch | Warrenton , VA | 20186 | $237.2M |
| Kenmore Avenue Branch | Fredericksburg , VA | 22401 | $225.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2025 | Structure Change | Acquired Sandy Spring Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2024 | Structure Change | Acquired American National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2019 | Structure Change | Acquired Access National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Xenith Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 10, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 2014 | Structure Change | Acquired StellarOne Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 2010 | Structure Change | Acquired Northern Neck State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 2010 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| November 1, 2008 | Structure Change | Acquired Bay Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 15, 2008 | Structure Change | Acquired Prosperity Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 2004 | Structure Change | Acquired Guaranty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 26, 1999 | Structure Change | Acquired King George State Bank, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Atlantic Union Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action May 19, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 7.1% of deposits in VA, rank 5 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 7,817 applications, 5,109 loans originated, $1.54B originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 58 loans, $42.4M approved, $730K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 64 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Atlantic Union Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Atlantic Union Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Atlantic Union Bank
What are Atlantic Union Bank's total assets?
As of the Q2 2026 filing, Atlantic Union Bank reported total assets of $38.02 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Atlantic Union Bank headquartered?
Atlantic Union Bank is headquartered in Richmond, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Atlantic Union Bank founded?
Atlantic Union Bank was established in 1997, per the FDIC institution directory.
Is Atlantic Union Bank FDIC-insured?
Yes. Atlantic Union Bank is an FDIC-insured commercial bank (FDIC Certificate #34589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Atlantic Union Bank?
Atlantic Union Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Atlantic Union Bank's CET1 capital ratio?
Atlantic Union Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Atlantic Union Bank operate?
Atlantic Union Bank operates 185 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Atlantic Union Bank's Texas Ratio?
Atlantic Union Bank's Texas Ratio is 3.64% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Atlantic Union Bank previously called?
The charter now named Atlantic Union Bank has also operated as Union Bank & Trust (2015-2019), Union First Market Bank (2010-2015), First Market Bank (2010), per FDIC structure-change records.
Go deeper on Atlantic Union Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Atlantic Union Bank, freeFree account