BlastPoint's Banking Scorecard

Atlantic Union Bank

$10B-$250B Specialty: Commercial VA FDIC cert 34589

Richmond City, VA

186 branches across VA · MD · NC · DC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in VA.
Deposits -1.6% year over year ($30.6B on the books).
Delinquency rate 0.51%.
Return on assets 1.62%.
Efficiency ratio 46.62% vs a 53.67% peer average.
Loan-to-deposit ratio 92.85% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 5 in VA

View $10B-$250B leaderboard (VA) →

Atlantic Union Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 14.3% in tier
+ Efficiency Ratio 7.05% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 27.5% in tier
- Deposit Outflow: Bottom 38.9% in tier

Get updates when Atlantic Union Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$38.0B +2.2% YoY +2.1% QoQ	-$5.6B	$43.6B -13.8% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$28.4B +5.0% YoY +2.6% QoQ	+$432.5M	$28.0B -8.6% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$30.6B -1.6% YoY +0.5% QoQ	-$4.8B	$35.4B -14.0% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	1.62% +154.1% YoY +12.7% QoQ	+0.23%	1.39% +25.9% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	3.96% -3.6% YoY +1.1% QoQ	+0.04%	3.92% +8.9% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	46.62% -21.9% YoY -8.1% QoQ	-7.05%	53.67% -1.9% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.51% -31.9% YoY +15.3% QoQ	-0.51%	1.01% -2.8% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	92.85% +6.7% YoY +2.1% QoQ	+10.24%	82.61% +3.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	22.37% -2.6% YoY -1.0% QoQ	+1.79%	20.58% +4.9% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	48%
Nonperforming Asset Ratio ?	0.40% -27.2% YoY +12.9% QoQ	-0.33%	0.73% +5.8% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	13.02% +4.3% YoY -0.7% QoQ	-2.33%	15.35% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.40% +42.6% YoY +155.5% QoQ	-0.09%	0.50% +10.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	58%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Noninterest-Bearing	22.4% -0.6pp YoY -0.2pp QoQ	+1.3pp	21.0%	26.2%	22.2%	46%
Brokered Deposits	1.8% -1.9pp YoY -0.2pp QoQ	-7.4pp	9.2%	8.5%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	19.8% +0.8pp YoY +0.4pp QoQ	+2.6pp	17.2%	11.0%	12.5%	67%
CRE	56.0% -0.9pp YoY -0.4pp QoQ	+14.0pp	42.0%	46.9%	41.4%	76%
1-4 Family	18.6% -0.1pp YoY -0.1pp QoQ	-4.5pp	23.1%	32.6%	31.3%	40%
Consumer	0.9% -0.5pp YoY -0.1pp QoQ	-12.0pp	12.9%	8.0%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	13.0% +0.5pp YoY -0.1pp QoQ	-2.2pp	15.3%	17.2%	19.7%	54%
Leverage Ratio	11.4% +1.0pp YoY +0.1pp QoQ	+1.0pp	10.4%	12.2%	12.6%	81%
Total Capital Ratio	14.0% +0.5pp YoY -0.1pp QoQ	-2.5pp	16.5%	18.3%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	3,073 -87 (-2.8%) YoY +39 (+1.3%) QoQ	-185	3,258	1,956	482	70%
Assets per Employee ($)	$12.4M +5.1% YoY +0.8% QoQ	-$14.7M	$27.0M	$9.9M	$8.8M	50%
Branch Count	184 -6 (-3.2%) YoY -1 (-0.5%) QoQ	+46	137	28	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.2%	0.4%	70%
Nonaccrual	0.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.7%	0.7%	1.0%	25%
Allowance Coverage	2.07x +32.5% YoY -13.2% QoQ	-0.75x	2.81x	9.47x	20.23x	62%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	10.6% +6.2pp YoY +1.2pp QoQ	-2.1pp	12.6%	12.0%	11.6%	45%
Cost of Funds (YTD)	1.8% -0.5pp YoY 0.0pp QoQ	-0.2pp	2.0%	1.7%	1.7%	45%
Net Income ($, YTD)	$304.2M +232.4% YoY — QoQ	+$7.4M	$296.8M	$137.1M	$40.4M	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#6 of 35 • Top 14.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.62%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Concerns (2)

Liquidity Strain

risk

#12 of 40 • Bottom 27.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.85%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#8 of 18 • Bottom 38.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

18 of 18 Large banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 46.62%

Peer Median: 53.67%

#29 of 139 Top 20.1% in $10B-$250B

Return on Assets

profitability

Value: 1.62%

Peer Median: 1.39%

#31 of 139 Top 21.6% in $10B-$250B

Total Loans

size

Value: $28.40B

Peer Median: $27.97B

#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (1 metrics)

111

Loan-to-Deposit Ratio

liquidity

Value: 92.85%

Peer Median: 82.61%

#111 of 139 Bottom 20.9% in $10B-$250B