# ATLANTIC UNION BANK
RICHMOND CITY, VA · FDIC certificate 34589 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $38.02B | |
| Deposits | $30.58B | |
| Loans and leases | $28.70B | |
| Total equity | $5.79B | |
| Loans / deposits | 92.85% (p77 of band) | 85.78% |
| Liquid assets / assets | 15.07% (p14 of band) | |
| Uninsured deposits / deposits | 36.36% (p43 of band) | 38.39% |
| Brokered deposits | 1.47% | |
| Wholesale funding | 4.42% (p31 of band) | |
| FHLB advances / assets | 2.50% | |
| Tier 1 leverage | 11.45% (p82 of band) | 10.17% |
| Unrealized securities loss / equity | -5.98% (p60 of band) | -7.43% |
| AOCI / equity | -0.36% (p47 of band) | |
| ROA (annualized) | 1.62% (p79 of band) | 1.24% |
| Net interest margin | 3.96% (p76 of band) | 3.57% |
| Efficiency ratio | 46.62% (p25 of band) | |
| Noncurrent loans | 0.50% (p33 of band) | 0.66% |
| Net charge-offs (annualized) | 0.02% (p20 of band) | |
| Reserve coverage of noncurrent | 206.54% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 32.10% (p54 of band) | |
| Auto loans | $131.5M (0.46% of loans; DQ 2.21%, NCO 0.00%) | |
| Loans to nondepository financials | $253.2M (4% of equity) (p43 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 3073 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | construction >100% equity |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | capital falling, expense ratio p90, construction >100% equity |  |
| 2014-06 | 1 | reserve under noncurrent | capital falling, expense ratio p90, construction >100% equity |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | loans exceed deposits, capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | expense ratio p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | loans exceed deposits, capital falling, expense ratio p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-06 [70th annual Boardwalk Art Show sponsored by Atlantic Union Bank - wavy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNMk5FSEFCczBrdUloTzFSYmM4RjVKQUNaa0pzdUNJMVJnc19DV3VzNklHUy1jQVFuODYtTGF2aWZOc0cwMGR4Qzg0V0NjQmY1Rm5MYU02SUVxY1lnZS1UZ0hLUjh2X3ZuU1MzMzF5LUxlYjhCeTJCNWJjNG5sQlhBUjJIaDhsd094cC15bVhnWnNRTzZ5a291RGx3RjdCa1NKNzc40gGoAUFVX3lxTE9pR0dEOTZSNThya0cyci12ajNoQzByMU5OUHROeTI3M0Vyc3VjV3lONlJZLXJheU8wWWZtN1ZTYURTWW40cktHamhGSFpuSURnUnp6ZUpDV3BCQ1NaWmR0VXFEa3hiNHdwN1VGQnNOR0Y3RG91eFFVTXAyWGR6cEJJc1pYejREckJ1c2ZYV01TSEh3S3dRb0xIOVJBcDNDd1ZMTEQyeTFNYQ?oc=5) · wavy.com
- 2026-08-13 [Atlantic Union Bank opens new Baltimore location - Maryland Daily Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxOd1lrQi0zNTFJY3Y2OEtQREhRd19UVlZxd0FoOFAxN0xLdl9lUE9udndvNExXOURpTFZUbnB3NDZtT0RPUGNrTlI1NkwwejVRTXNIUWNYQVVITV9WcDVRRW1Pc0tmUk9Mcm92MVRJaGYwelN3c0gzREkxUkJXYmVDbnZhZVBRVU5RTDRTd3hlelQ?oc=5) · Maryland Daily Record
- 2026-08-30 [Banking | Finance 2026: JOHN C. ASBURY - Virginia Business](https://news.google.com/rss/articles/CBMickFVX3lxTE1MOEc4cHgtd2FjQm95akNlSVY3T2Rjdk9CdlFGSGI4UUdJSmxCYjNJYm1aRl9lVFRUcjhidlNsZi00QWxnSmNvczRlRGJrM1AzMnVxWVN4QjlvbmNsdFN6cFI0OFdXRkwyblMyX3VjVWN3UQ?oc=5) · Virginia Business
- 2026-08-18 [Train, Moon Taxi to perform at JMU’s Atlantic Union Bank Center Oct. 2 - jmu.edu](https://news.google.com/rss/articles/CBMiYEFVX3lxTE91SFdlRlM0eTVjRUI3ajdXRzhHUWZKbVo2ZVpvellFZGxuMm1ZZUJpaEw1T1h5dmdhM2R4RHRsMVJUSnJOb3g0N3E0ckN1OHN3VndHMExac0pwd2xjcFA4Mw?oc=5) · jmu.edu
- 2026-08-21 [$38B Virginia bank doubles down on Triangle with branch expansion - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOSFNZZ3o4T2gyMGtPS3ZXWnNMUGxMZWNtMTRKeXEtTlMtTTJickNqOURhWEM0Y1VadVZSS0hfUWV4M3plQ0Y5ZVBvd21CaEFHbXRLT1lTSjBQdzJJTmdfN19QYXRON0ZYWTVfZy1mODF1cTJVU1YyWmwySHZNRmRlSjRnQkRSQ1NzXzZ0S3BBMDlSc21HNVA3Mzh0MUhWd1dndlNHMVA2dm8?oc=5) · The Business Journals
- 2026-08-28 [Atlantic Union Bank Center hosting more conventions, concerts | Arts And Entertainment | dnronline.com - dnronline.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOa1FpNXVHTmlkM0VVX0FzdmtEbFpoUkJiXzg2TzQ5SS1uRDQ3MEdDekRpSGFCcUZpclIzamhuN24tNGZRUkcwemVjYzY1UFJHX2xpN2dKTi1oVlk5elNjMHBaY25rejl0UXF6MXhocDMySVBUS3B6MklDcGh6LW5STTZwanpCN0dSdjc4MkFsakw3UkRzXzM3YXNlV0NhM0lfdmE2ekpNQ1V2bE5MMGZERmR2OXhnTUx2S3djUFBPdm1ObE9Fajc3ZTVFX3dZbmNIQ0phU0hGV25RcFVZbm9DZUp4bFNZcGpzXzBSLXIwT1U3Z3NQajc4?oc=5) · dnronline.com
- 2026-08-18 [Train, Moon Taxi to perform at JMU’s Atlantic Union Bank Center - WHSV](https://news.google.com/rss/articles/CBMikgFBVV95cUxOWnppQ2h3Y1J4VmlNZ3dWckZxbmE1MEExUmN1bzFEcWNiRHpkR1hxVWRvUnZ0RDNnTVpNTHFTTFdyM3N2SHllZ2pjUlRBLVBVcGNIOUNxekt2Q2l5eWpmVlpCMVppRUtCTXlIYmhzQTVUV1pVVERxOUxrTXZxVUZxekdmbEI3aDhLcnBIM0lJQnFzdw?oc=5) · WHSV
- 2026-06-15 [Raleigh Convention Center to be renamed Atlantic Union Bank Convention Center - WUNC News](https://news.google.com/rss/articles/CBMijgFBVV95cUxOUVJzejI1R0FyRklBdDZ1SS1EZl9YQkYwTU1YMlhEd0k2dDdUbEhIMnY5VTlGZ0Zla2xQTGJETXBlMDR5OHhDMHJEM0FPdDA1RDJaMXZjam1FXzU5ak5LVWJoaFJHbFpoMjdqbk8yUjF3c3pDUFpHMnNjTFVkUnVlS3lQVXppSlRMWGZ6UjRB?oc=5) · WUNC News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34589 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "34589", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide