Atlantic Union Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.99% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.99% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.02% +6.52 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $4.08B | 4,079,068 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $31.34B | 31,338,924 | RCOAA223 |
| Recomputed ratio | 13.02% | numerator / denominator | |
| Filed ratio | 13.02% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.52 pp | $2.04B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.02% +5.02 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $4.08B | 4,079,068 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $31.34B | 31,338,924 | RCOAA223 |
| Recomputed ratio | 13.02% | numerator / denominator | |
| Filed ratio | 13.02% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.02 pp | $1.57B | capital that could be lost first |
Total risk-based capital ratio 13.99% +3.99 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $4.38B | 4,384,166 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $31.34B | 31,338,924 | RCOAA223 |
| Recomputed ratio | 13.99% | numerator / denominator | |
| Filed ratio | 13.99% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.99 pp | $1.25B | capital that could be lost first |
Tier 1 leverage ratio 11.45% +6.45 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $4.08B | 4,079,068 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $35.64B | 35,638,388 | RCOAA224 |
| Recomputed ratio | 11.45% | numerator / denominator | |
| Filed ratio | 11.45% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.45 pp | $2.30B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 4,707,507 | 4,707,507 | 4,707,507 | 4,707,483 | 4,707,303 | 2,763,415 | RCOAP742 |
| Retained earnings | 1,361,665 | 1,330,874 | 1,264,707 | 1,192,831 | 1,087,904 | 1,055,930 | RCOAKW00 |
| Accumulated other comprehensive income | (276,815) | (278,514) | (256,132) | (283,154) | (320,848) | (333,787) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 5,792,357 | 5,759,867 | 5,716,082 | 5,617,160 | 5,474,359 | 3,485,558 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (1,713,289) | (1,751,385) | (1,763,223) | (1,735,132) | (1,698,283) | (942,520) | P859 - P840 |
| Common equity Tier 1 capital | 4,079,068 | 4,008,482 | 3,952,859 | 3,882,028 | 3,776,076 | 2,543,038 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 4,079,068 | 4,008,482 | 3,952,859 | 3,882,028 | 3,776,076 | 2,543,038 | RCOA8274 |
| Tier 2 capital | 305,098 | 295,656 | 292,980 | 289,233 | 310,171 | 205,912 | RCOA5311 |
| Allowance includable in Tier 2 capital | 305,098 | 295,656 | 292,980 | 289,233 | 310,171 | 205,912 | RCOA5310 |
| Total capital | 4,384,166 | 4,304,138 | 4,245,839 | 4,171,261 | 4,086,247 | 2,748,950 | RCOA3792 |
| Total risk-weighted assets | 31,338,924 | 30,591,393 | 30,364,504 | 30,317,995 | 30,264,979 | 20,502,003 | RCOAA223 |
| Average total assets for the leverage ratio | 35,638,388 | 35,355,630 | 35,520,937 | 35,569,440 | 36,116,874 | 23,589,890 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $977.7M | $109.0M | 11.15% | 0.35% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.73B | $921.2M | 19.47% | 2.94% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $171.9M | $3.3M | 1.89% | 0.01% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $5.38B | $3.10B | 57.57% | 9.88% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $5.1M | $7.7M | 150.00% | 0.02% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $101.2M | $144.8M | 143.00% | 0.46% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $23.19B | $22.97B | 99.04% | 73.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.61B | $1.40B | 86.79% | 4.46% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.65B | $2.45B | 92.60% | 7.83% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $140.0M | $69.3M | 49.53% | 0.22% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $169.7M | NA | 0.54% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $31.17B | ties to item 31 ($31.17B) |
|---|---|---|
| Risk-weighted assets before deductions | $31.34B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $31.34B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.02% | 13.02% | 13.99% | 11.45% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.10% | 13.10% | 14.07% | 11.34% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.02% | 13.02% | 13.98% | 11.13% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 12.80% | 12.80% | 13.76% | 10.91% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 12.48% | 12.48% | 13.50% | 10.46% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.40% | 12.40% | 13.41% | 10.78% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.44% | 12.44% | 13.30% | 10.74% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 12.25% | 12.25% | 13.03% | 10.74% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 11.92% | 11.92% | 12.69% | 10.51% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.52% | 12.52% | 13.28% | 11.18% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.48% | 12.48% | 13.15% | 11.16% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 12.65% | 12.65% | 13.30% | 11.18% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Atlantic Union Bank (this bank) | Risk-based | 13.02% | 13.02% | 13.99% | 11.45% | |
| Hancock Whitney Bank | $36.33B | Risk-based | 12.86% | 12.86% | 14.06% | 10.59% |
| Deutsche Bank Trust Company Americas | $40.53B | Risk-based | 57.52% | 57.52% | 57.71% | 25.79% |
| Commerce Bank | $35.02B | Risk-based | 15.11% | 15.11% | 15.92% | 11.43% |
| Banc of California | $34.90B | Risk-based | 12.68% | 12.68% | 13.74% | 9.64% |
| BankUnited, N.A. | $34.86B | Risk-based | 13.01% | 13.01% | 13.90% | 9.43% |
| Bank OZK | $41.70B | Risk-based | 11.80% | 12.56% | 14.83% | 13.96% |
| First National Bank of Omaha | $34.20B | Risk-based | 12.64% | 12.64% | 13.92% | 10.83% |
| United Bank | $33.64B | Risk-based | 13.69% | 13.69% | 14.91% | 11.60% |
| Texas Capital Bank | $33.62B | Risk-based | 12.35% | 12.35% | 13.53% | 10.67% |
| MidFirst Bank | $42.83B | Risk-based | 18.23% | 18.23% | 19.48% | 9.01% |
| Peer 25th percentile | 12.65% | 12.65% | 13.90% | 9.88% | ||
| Peer median | 12.94% | 12.94% | 14.44% | 10.75% | ||
| Peer 75th percentile | 14.76% | 14.76% | 15.67% | 11.56% | ||
| This bank's percentile | 60 | 60 | 40 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/693224/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.