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Atlantic Union Bank
Richmond City, VA · FDIC Certificate #34589 · Chartered 11/0
Total assets
$38.02B
Total deposits
$30.58B
Total equity
$5.79B
Net loans
$28.40B
Branches (offices)
177
Net income (YTD)
$304.21M
Rank: #59 of 4,213 U.S. banks by assets · #3 of 56 in Virginia. Assets changed 2.2% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 10.57% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 15.23% |
| Tier 1 leverage ratio | 11.45% |
| Uninsured deposits (share of deposits) | 36.4% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 92.9% |
| Real estate loans (share of loans) | 74.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $21.22B | 74.7% | |
| Commercial & industrial | $5.63B | 19.8% | |
| Consumer / individual | $242.39M | 0.9% | |
| Construction & development | $1.86B | 6.5% | |
| Agricultural | $1.80M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $19.55B | $16.16B | $110.45M | $2.69B |
| Jun 2023 | $20.50B | $16.43B | $102.48M | $2.72B |
| Jun 2024 | $24.64B | $20.02B | $95.30M | $3.37B |
| Jun 2025 | $37.20B | $31.07B | $91.51M | $5.47B |
| Jun 2026 | $38.02B | $30.58B | $304.21M | $5.79B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $22.57B | 126 |
| Maryland | $6.95B | 38 |
| North Carolina | $947.00M | 11 |
| District of Columbia | $114.81M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $30.58B.
Similar-sized banks
Deutsche Bank Trust Company Americas ($40.53B) · Hancock Whitney Bank ($36.33B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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