Atlantic Union Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Atlantic Union Bank of Richmond, VA against its peer group of 127 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.81% | 1.32% | +0.49% | 82nd best quarter |
| ROAE | 11.78% | 11.13% | +0.65% | 55th better half |
| Net Interest Margin | 3.97% | 3.63% | +0.34% | 76th best quarter |
| Efficiency Ratio | 42.70% | 53.30% | -10.60% | 17th best quarter |
| PPNR / Avg Assets | 2.44% | 1.82% | +0.62% | 82nd best quarter |
| Yield on Earning Assets | 5.76% | 5.36% | +0.40% | 76th |
| Cost of Funds | 1.64% | 1.92% | -0.28% | 32nd better half |
| Net Interest Spread | 3.28% | 2.97% | +0.31% | 72nd better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 0.68% | -0.18% | 31st better half |
| NPA / Total Assets | 0.40% | 0.49% | -0.09% | 38th better half |
| NCO / Avg Loans | 0.03% | 0.13% | -0.10% | 18th best quarter |
| ACL / Total Loans | 1.04% | 1.14% | -0.10% | 32nd |
| ACL / NPLs (Coverage) | 206.54% | 173.33% | +33.21% | 62nd better half |
| Texas Ratio | 3.64% | 4.21% | -0.57% | 40th better half |
| Provision / NCO | 591.34% | 112.90% | +478.44% | 92nd |
| CRE / Total Capital | 274.30% | 219.38% | +54.92% | 78th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 13.02% | 12.98% | +0.04% | 53rd better half |
| Tier 1 Ratio | 13.02% | 12.99% | +0.03% | 52nd better half |
| Total Capital Ratio | 13.99% | 14.14% | -0.15% | 42nd worse half |
| Leverage Ratio | 11.45% | 10.25% | +1.20% | 81st best quarter |
| Equity / Assets | 15.23% | 11.59% | +3.64% | 93rd best quarter |
| TCE / Tangible Assets | 10.43% | 9.57% | +0.86% | 77th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 93.83% | 86.95% | +6.88% | 79th |
| Core Deposit Ratio | 92.04% | 90.68% | +1.36% | 57th better half |
| Uninsured Deposit Ratio | 36.36% | 38.56% | -2.20% | 41st better half |
| Borrowings / Total Assets | 2.95% | 4.27% | -1.32% | 39th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.20% | 5.89% | -3.69% | 25th |
| Loan Growth (Y/Y) | 4.88% | 6.32% | -1.44% | 42nd |
| Deposit Growth (Y/Y) | -1.58% | 5.69% | -7.27% | 9th |
See Atlantic Union Bank's peers by name
The 127 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Atlantic Union Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Atlantic Union Bank peer analysis.