# Atlantic Union Bankshares Corp

Summary updated: 2026-10-02T16:28:39.433711Z
Canonical: https://finbar.com/research/companies/atlantic-union-bankshares-corp

## Overview

Atlantic Union Bankshares Corporation is a U.S. bank holding company whose core business is commercial and consumer banking through Atlantic Union Bank. Its services include banking for individuals and businesses, equipment financing, investment and brokerage, insurance, and capital-markets services through affiliates. The bank describes its purpose as “enriching the lives of the people and the communities we serve.” [1](https://app.finbar.com/go?id=P166177572)[2](https://www.atlanticunionbank.com/about/about-aub)

The company’s footprint is concentrated in the Mid-Atlantic and Southeast, with branches and ATMs in Virginia, Maryland, North Carolina, and Washington, D.C. [1](https://app.finbar.com/go?id=P166177572) At June 30, 2026, it reported $38.10 billion in consolidated assets. [3](https://app.finbar.com/go?id=T19399532) At December 31, 2025, it reported $30.5 billion in deposits and 178 branches; full-year 2025 GAAP net income was $273.7 million. [4](https://www.atlanticunionbank.com/csr/about)[5](https://app.finbar.com/go?id=T19399434) Its banking roots in Virginia date to 1902. [6](https://www.atlanticunionbank.com/about/aub-history)
[1](https://app.finbar.com/go?id=P166177572)[3](https://app.finbar.com/go?id=T19399532)[5](https://app.finbar.com/go?id=T19399434)[2](https://www.atlanticunionbank.com/about/about-aub)[4](https://www.atlanticunionbank.com/csr/about)[6](https://www.atlanticunionbank.com/about/aub-history)[2](https://www.atlanticunionbank.com/about/about-aub)[4](https://www.atlanticunionbank.com/csr/about)[6](https://www.atlanticunionbank.com/about/aub-history)

## Products & services

Atlantic Union Bankshares offers personal and business deposit products, including checking, savings and certificates of deposit, alongside commercial, industrial, residential-mortgage and consumer lending. Named personal checking products include Free Checking, Loyalty Checking, PRISM Checking, ThankU Checking and Preferred Checking; home-equity offerings include HELOC and STAR HELOC, as well as personal loans, lines of credit, mortgages and credit cards. [7](https://app.finbar.com/go?id=P54142422)[8](https://app.finbar.com/go?id=P36213196)[9](https://www.atlanticunionbank.com/personal/checking)[10](https://www.atlanticunionbank.com/personal/lending/home-equity)[11](https://www.atlanticunionbank.com/personal/lending/mortgage/mortgage-products)

Business services include treasury and payment management—ACH, domestic and international wires, check issuance, fraud protection, Lockbox, Merchant Processing, Remote Deposit Capture and Integrated Payables—and liquidity tools such as investment, insured-cash, line-of-credit and zero-balance sweeps. Commercial lending products include CRE loans, lines of credit, term and fixed-asset loans, construction loans, equipment financing, tax-exempt financing and letters of credit. Asset-based lending provides revolving lines and term loans secured by receivables and inventory; equipment finance includes loans and finance, operating and TRAC leases. [12](https://app.finbar.com/go?id=P91210359)[13](https://app.finbar.com/go?id=P72184690)[14](https://www.atlanticunionbank.com/commercial/treasury-management)[15](https://www.atlanticunionbank.com/commercial/treasury-management/money-management)[16](https://www.atlanticunionbank.com/commercial/access-to-capital)[17](https://www.atlanticunionbank.com/commercial/industry-expertise/asset-based-lending)[18](https://www.atlanticunionbank.com/commercial/industry-expertise/equipment-financing)

Digital capabilities include online and mobile banking, online deposit accounts and electronic payment processing. Personal mobile features include balance and transaction viewing, bill payment, transfers, check deposit, Quick Balance, Touch ID and Zelle; business online banking supports account management, ACH and wire payments, alerts, reporting and user administration. Additional offerings include residential mortgages through Atlantic Union Home Loans, wealth and trust services, investment management and insurance. [19](https://app.finbar.com/go?id=P39055858)[20](https://app.finbar.com/go?id=P113819685)[21](https://app.finbar.com/go?id=P70282453)[22](https://app.finbar.com/go?id=P30234372)[23](https://www.atlanticunionbank.com/personal/online-mobile-banking/mobile-banking)[24](https://www.atlanticunionbank.com/personal/online-mobile-banking/zelle)[25](https://www.atlanticunionbank.com/business/online-mobile-banking/business-online-banking)[26](https://www.atlanticunionbank.com/wealth)

In 2025, fiduciary and asset-management fees were $62.9 million (28.7% of noninterest income), deposit service charges were $46.5 million (21.2%), loan-related swap fees were $18.4 million (8.4%), interchange fees were $14.5 million (6.6%), and mortgage-banking revenue was $8.7 million (4.0%). [27](https://app.finbar.com/go?id=T7722820)
[7](https://app.finbar.com/go?id=P54142422)[8](https://app.finbar.com/go?id=P36213196)[12](https://app.finbar.com/go?id=P91210359)[13](https://app.finbar.com/go?id=P72184690)[19](https://app.finbar.com/go?id=P39055858)[20](https://app.finbar.com/go?id=P113819685)[21](https://app.finbar.com/go?id=P70282453)[22](https://app.finbar.com/go?id=P30234372)[27](https://app.finbar.com/go?id=T7722820)[27](https://app.finbar.com/go?id=T7722820)[27](https://app.finbar.com/go?id=T7722820)[27](https://app.finbar.com/go?id=T7722820)[27](https://app.finbar.com/go?id=T7722820)[9](https://www.atlanticunionbank.com/personal/checking)[10](https://www.atlanticunionbank.com/personal/lending/home-equity)[11](https://www.atlanticunionbank.com/personal/lending/mortgage/mortgage-products)[14](https://www.atlanticunionbank.com/commercial/treasury-management)[15](https://www.atlanticunionbank.com/commercial/treasury-management/money-management)[16](https://www.atlanticunionbank.com/commercial/access-to-capital)[17](https://www.atlanticunionbank.com/commercial/industry-expertise/asset-based-lending)[18](https://www.atlanticunionbank.com/commercial/industry-expertise/equipment-financing)[23](https://www.atlanticunionbank.com/personal/online-mobile-banking/mobile-banking)[24](https://www.atlanticunionbank.com/personal/online-mobile-banking/zelle)[25](https://www.atlanticunionbank.com/business/online-mobile-banking/business-online-banking)[26](https://www.atlanticunionbank.com/wealth)[9](https://www.atlanticunionbank.com/personal/checking)[10](https://www.atlanticunionbank.com/personal/lending/home-equity)[11](https://www.atlanticunionbank.com/personal/lending/mortgage/mortgage-products)[14](https://www.atlanticunionbank.com/commercial/treasury-management)[15](https://www.atlanticunionbank.com/commercial/treasury-management/money-management)[16](https://www.atlanticunionbank.com/commercial/access-to-capital)[17](https://www.atlanticunionbank.com/commercial/industry-expertise/asset-based-lending)[18](https://www.atlanticunionbank.com/commercial/industry-expertise/equipment-financing)[23](https://www.atlanticunionbank.com/personal/online-mobile-banking/mobile-banking)[24](https://www.atlanticunionbank.com/personal/online-mobile-banking/zelle)[25](https://www.atlanticunionbank.com/business/online-mobile-banking/business-online-banking)[26](https://www.atlanticunionbank.com/wealth)

## Geographic presence

Atlantic Union Bankshares is headquartered in Richmond, Virginia. Its bank branch and ATM footprint spans Virginia, Maryland, North Carolina, and Washington, D.C.; the company reported 178 branches across these locations as of December 31, 2025. [28](https://app.finbar.com/go?id=P148664582)[29](https://app.finbar.com/go?id=P71109455)[4](https://www.atlanticunionbank.com/csr/about) Wholesale Banking also serves customers in South Carolina, while its equipment-finance subsidiary operates nationally. [30](https://app.finbar.com/go?id=P148664707)

The company’s geographic focus is concentrated in the Mid-Atlantic and nearby southeastern markets, particularly Virginia, Maryland, Washington, D.C., North Carolina, and South Carolina. Based on FDIC data as of June 30, 2025, it held deposit market shares of 6.3% in Virginia and 4.8% in Maryland; these figures represent deposit share, not revenue share. [31](https://app.finbar.com/go?id=P148664695) The reviewed filings do not provide state-by-state revenue or employee distributions. The company’s 2026 branch-and-geographies listing provides location-level branch information. [19](https://app.finbar.com/go?id=P39055858)[32](https://www.atlanticunionbank.com/getmedia/caae2369-fe9e-4863-a70c-97eccc0a8f5e/Branches-and-Geographies-2026.pdf)
[28](https://app.finbar.com/go?id=P148664582)[29](https://app.finbar.com/go?id=P71109455)[30](https://app.finbar.com/go?id=P148664707)[31](https://app.finbar.com/go?id=P148664695)[19](https://app.finbar.com/go?id=P39055858)[4](https://www.atlanticunionbank.com/csr/about)[32](https://www.atlanticunionbank.com/getmedia/caae2369-fe9e-4863-a70c-97eccc0a8f5e/Branches-and-Geographies-2026.pdf)

## Business segments

Atlantic Union Bankshares reports Wholesale Banking and Consumer Banking as its two reportable operating segments, with Corporate Other presented separately. Wholesale Banking serves wholesale customers through lending, leasing, deposits, treasury management and capital markets, and includes equipment finance and wealth management. Consumer Banking provides lending, deposit and retail brokerage services to consumers and small businesses, including home lending and investment management and advisory services. [33](https://app.finbar.com/go?id=P148664693)[31](https://app.finbar.com/go?id=P148664695)[30](https://app.finbar.com/go?id=P148664707)

For the six months ended June 30, 2026, Wholesale Banking reported net interest income of $323.9 million, Consumer Banking $218.3 million, and Corporate Other $95.3 million. These represent approximately 50.8%, 34.2% and 15.0%, respectively, of the three categories’ combined $637.5 million in net interest income for the period—not shares of revenue. Corporate Other includes corporate treasury activities, such as investment securities, long-term debt, liquidity and funding, as well as intercompany eliminations. [34](https://app.finbar.com/go?id=T17061330)[35](https://app.finbar.com/go?id=T17061332)[36](https://app.finbar.com/go?id=T17061334)[37](https://app.finbar.com/go?id=P148664721)[38](https://app.finbar.com/go?id=P148664724)
[33](https://app.finbar.com/go?id=P148664693)[31](https://app.finbar.com/go?id=P148664695)[30](https://app.finbar.com/go?id=P148664707)[37](https://app.finbar.com/go?id=P148664721)[38](https://app.finbar.com/go?id=P148664724)[34](https://app.finbar.com/go?id=T17061330)[35](https://app.finbar.com/go?id=T17061332)[36](https://app.finbar.com/go?id=T17061334)

## Company history

Atlantic Union Bankshares traces its origins to Union Bank & Trust Company, founded in Bowling Green, Virginia, in 1902. In 1993, Union Bankshares Corporation was formed through the merger of Northern Neck Bankshares Corporation and Union Bancorp, Inc.; subsequent Virginia acquisitions included King George State Bank, Rappahannock National Bank, Guaranty Bank and Prosperity Bank & Trust. [6](https://www.atlanticunionbank.com/about/aub-history) [39](https://investors.atlanticunionbank.com/sec-filings/annual-reports/content/0001193125-11-060314/0001193125-11-060314.pdf) [40](https://app.finbar.com/go?id=T7384428)

The company expanded through major combinations, including First Market Bank in 2010, StellarOne in 2014, Xenith in 2018 and Access National in 2019. In May 2019, Union Bankshares Corporation adopted the name Atlantic Union Bankshares Corporation, and Union Bank & Trust became Atlantic Union Bank. [41](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001193125-10-007016/dex991.htm) [6](https://www.atlanticunionbank.com/about/aub-history) [42](https://investors.atlanticunionbank.com/news-events/press-releases/detail/91/union-bankshares-corporation-completes-acquisition-of) [43](https://investors.atlanticunionbank.com/news-events/press-releases/detail/53/union-bankshares-corporation-completes-acquisition-of) [44](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001144204-19-027192/0001144204-19-027192.pdf) The company completed its acquisition of American National Bankshares in 2024 and Sandy Spring Bancorp in 2025, further enlarging its banking franchise. [45](https://app.finbar.com/go?id=P50682060) [46](https://app.finbar.com/go?id=P56900039)

## Sources

1. [Atlantic Union Bankshares Corp — Presentation (2026 Q 2), p3](https://app.finbar.com/go?id=P166177572)
2. [www.atlanticunionbank.com](https://www.atlanticunionbank.com/about/about-aub)
3. [Atlantic Union Bankshares Corp — Presentation (2026 Q 2), p36](https://app.finbar.com/go?id=T19399532)
4. [www.atlanticunionbank.com](https://www.atlanticunionbank.com/csr/about)
5. [Atlantic Union Bankshares Corp — Presentation (2025 Y), p29](https://app.finbar.com/go?id=T19399434)
6. [www.atlanticunionbank.com](https://www.atlanticunionbank.com/about/aub-history)
7. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P54142422)
8. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P36213196)
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12. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P91210359)
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19. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P39055858)
20. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P113819685)
21. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P70282453)
22. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P30234372)
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27. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=T7722820)
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29. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P71109455)
30. [Atlantic Union Bankshares Corp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P148664707)
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32. [www.atlanticunionbank.com](https://www.atlanticunionbank.com/getmedia/caae2369-fe9e-4863-a70c-97eccc0a8f5e/Branches-and-Geographies-2026.pdf)
33. [Atlantic Union Bankshares Corp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P148664693)
34. [Atlantic Union Bankshares Corp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17061330)
35. [Atlantic Union Bankshares Corp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17061332)
36. [Atlantic Union Bankshares Corp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17061334)
37. [Atlantic Union Bankshares Corp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P148664721)
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40. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=T7384428)
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42. [investors.atlanticunionbank.com](https://investors.atlanticunionbank.com/news-events/press-releases/detail/91/union-bankshares-corporation-completes-acquisition-of)
43. [investors.atlanticunionbank.com](https://investors.atlanticunionbank.com/news-events/press-releases/detail/53/union-bankshares-corporation-completes-acquisition-of)
44. [investors.atlanticunionbank.com](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001144204-19-027192/0001144204-19-027192.pdf)
45. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P50682060)
46. [Atlantic Union Bankshares Corp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P56900039)

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