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Atlantic Union Bank

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

Richmond City, VA

190 branches across VA · MD · NC · DC

137 banks in the $10B-$250B peer group nationally 4 in VA
View $10B-$250B leaderboard (VA) →

Atlantic Union Bank has 4 strengths but faces 1 concern

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

  • + ROA 0.16% above tier average
  • + Net Interest Margin 0.15% above tier average
  • + Efficiency Ratio 3.29% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.3% in tier
Get updates when Atlantic Union Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $37.2B
+51.8% YoY -0.7% QoQ
-$9.7B $47.0B
-1.9% YoY
$17.9B
+25.7% YoY
$6.2B
+9.1% YoY
69%
Total Loans ? $27.7B
+51.7% YoY +0.6% QoQ
-$1.7B $29.4B
-0.4% YoY
$10.6B
+27.9% YoY
$3.2B
+10.8% YoY
73%
Total Deposits ? $30.4B
+48.0% YoY -0.2% QoQ
-$8.0B $38.4B
-1.6% YoY
$14.1B
+22.4% YoY
$4.8B
+8.2% YoY
71%
Return on Assets ? 1.44%
+47.3% YoY +44.9% QoQ
+0.16% 1.28%
+18.7% YoY
1.15%
+53.9% YoY
1.23%
+13.4% YoY
72%
Net Interest Margin ? 3.92%
+12.6% YoY -6.8% QoQ
+0.15% 3.77%
+5.8% YoY
3.81%
+7.1% YoY
3.89%
+5.7% YoY
74%
Efficiency Ratio ? 50.72%
-9.9% YoY -12.3% QoQ
-3.29% 54.01%
-3.7% YoY
65.58%
-7.6% YoY
66.95%
-4.1% YoY
66%
Delinquency Rate ? 0.44%
+6.4% YoY -19.3% QoQ
-0.58% 1.02%
-3.8% YoY
0.77%
+12.4% YoY
0.95%
+18.8% YoY
72%
Loan-to-Deposit Ratio ? 90.97%
+2.5% YoY +0.8% QoQ
+10.18% 80.79%
+1.9% YoY
79.34%
+0.5% YoY
76.70%
+0.9% YoY
24%
Non-Interest-Bearing Deposit Share ? 22.60%
+2.6% YoY +0.4% QoQ
+2.56% 20.04%
+0.2% YoY
25.27%
-0.4% YoY
22.01%
-1.2% YoY
50%
Nonperforming Asset Ratio ? 0.36%
+11.4% YoY -13.7% QoQ
-0.37% 0.72%
+4.2% YoY
0.55%
+12.2% YoY
0.67%
+19.3% YoY
67%
Tier 1 Capital Ratio ? 13.10%
+5.6% YoY +0.7% QoQ
-2.41% 15.51%
-0.4% YoY
16.28%
+2.7% YoY
17.06%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.16%
+15.9% YoY -73.2% QoQ
-0.07% 0.22%
+0.3% YoY
0.18%
+27.1% YoY
0.32%
+4.1% YoY
45%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#7 of 72 • Bottom 8.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.44%
(Tier: 1.02%, National: 0.95%)
better than tier avg
72 of 72 Large banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

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).
Comparing against 137 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

105
Loan-to-Deposit Ratio
liquidity
Value: 90.97%
Peer Median: 80.79%
#105 of 137 Bottom 24.1% in $10B-$250B
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