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Atlantic Union Bank
Richmond City, VA·FDIC Cert #34589·Charter: STATE·Est. 19971104.0·HC: ATLANTIC UNION BANKSHARES CORP
Total Assets
$37.5B
Q4 2025
Return on Assets
0.99%
+0.14%Peer avg: 1.12%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.84%
Peer avg: 53.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.99%+0.14
ROE
6.70%+0.89
Efficiency
57.84%-0.74
Equity/Assets
0.00%+0.00
NPL Ratio
0.55%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.24%+2.02
Charge-offs
0.18%-0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 0.9 | 1.0 | 1.1 | 1.0 | 0.6 | 0.9 | 1.0 |
| ROE | 7.8 | 6.3 | 7.5 | 7.8 | 6.9 | 4.4 | 5.8 | 6.7 |
| Efficiency | 56.9 | 60.3 | 57.4 | 56.1 | 56.3 | 59.7 | 58.6 | 57.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.7 | 0.6 | 0.5 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.2 | 0.2 |
| Loan/Deposit | 90.9 | 90.9 | 89.5 | 89.6 | 88.7 | 87.0 | 88.2 | 90.2 |
Balance Sheet
Total Assets$37.5B
Total Deposits$30.5B
Total Loans$27.5B
Total Equity$5.7B
Profitability
ROA0.99%
ROE6.70%
Efficiency Ratio57.84%
Net Income$318.5M
Risk & Asset Quality
NPL Ratio0.55%
Charge-off Rate0.18%
Loan/Deposit90.24%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans