Bank Comparison
Atlantic Union Bank vs TowneBank
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At Q2 2026, Atlantic Union Bank is the larger bank, with $38.02B in total assets to TowneBank's $22.62B; Atlantic Union Bank has the higher CET1 ratio (13.02% vs 12.16%) and TowneBank has the higher return on assets (3.42% vs 1.81%).
vs
9 · 8
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Atlantic Union Bank | TowneBank |
|---|---|---|
| CET1 Ratio | 13.02% | 12.16% |
| Tier 1 Capital Ratio | 13.02% | 12.20% |
| Total Capital Ratio | 13.99% | 14.63% |
| Tier 1 Leverage Ratio | 11.45% | 10.00% |
| Equity / Assets | 15.23% | 13.24% |
Profitability
| Metric | Atlantic Union Bank | TowneBank |
|---|---|---|
| Return on Assets (ROA) | 1.81% | 3.42% |
| Return on Equity (ROE) | 11.78% | 26.26% |
| Net Interest Margin (NIM) | 3.97% | 3.70% |
| Yield on Earning Assets | 5.76% | 5.20% |
| Cost of Funds | 1.64% | 1.58% |
Asset quality
| Metric | Atlantic Union Bank | TowneBank |
|---|---|---|
| Texas Ratio | 3.64% | 2.10% |
| Non-Performing Loan Ratio | 0.50% | 0.22% |
| Non-Performing Asset Ratio | 0.40% | 0.21% |
| Net Charge-Off Ratio | 0.03% | 0.15% |
| ACL / Loans | 1.04% | 1.29% |
Balance sheet
| Metric | Atlantic Union Bank | TowneBank |
|---|---|---|
| Total Assets | $38.02B | $22.62B |
| Total Deposits | $30.58B | $18.82B |
| Total Loans | $28.70B | $15.48B |
| Total Equity | $5.79B | $2.99B |
| Net Income (quarter) | $170.0M | $193.2M |
Liquidity & funding
| Metric | Atlantic Union Bank | TowneBank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.83% | 82.24% |
| Core Deposit Ratio | 92.04% | 91.35% |
| Uninsured Deposit Ratio | 36.36% | 47.97% |
Identity
| Metric | Atlantic Union Bank | TowneBank |
|---|---|---|
| Headquarters City | Richmond | Portsmouth |
| Headquarters State | VA | VA |
| Asset Tier | $10B to $100B in assets | $10B to $100B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 184 | 81 |
| Employees (FTE) | 3,073 | 2,783 |
| Established | November 4, 1997 | April 8, 1999 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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