Atlantic Union Bank (FDIC #34589): Bank Stress & Real-Estate Credit Exposure

Atlantic Union Bank (FDIC Cert #34589): bank stress 40/100, contained, STABLE over 7 days; parent ATLANTIC UNION BANKSHARES CORP (AUB).

Atlantic Union Bank (#34589) lends in 84 counties across 4 states; Atlantic Union Bank (#34589) reaches 1,039 ZIP codes: Virginia 66 counties, 583 ZIPs; North Carolina 9 counties, 150 ZIPs; Maryland 8 counties, 249 ZIPs; District of Columbia 1 county, 57 ZIPs.

Atlantic Union Bank (#34589) largest markets: Baltimore County, MD (57 branches, 57 ZIPs) (#34589), District Of Columbia County, DC (114 branches, 57 ZIPs) (#34589), Montgomery County, MD (954 branches, 53 ZIPs) (#34589), Fairfax County, VA (392 branches, 49 ZIPs) (#34589), Anne Arundel County, MD (210 branches, 42 ZIPs) (#34589), Wake County, NC (41 branches, 41 ZIPs) (#34589).

Atlantic Union Bank (#34589) reports $38.02 billion in total assets; Atlantic Union Bank (#34589) equity $5.79 billion (15.2% of Atlantic Union Bank (#34589) assets); Atlantic Union Bank (#34589) domestic deposits $30.58 billion; Atlantic Union Bank (#34589) net income $304.2 million; Atlantic Union Bank (#34589) return on assets 1.62%; Atlantic Union Bank (#34589) return on equity 10.57%; Atlantic Union Bank (#34589) net interest income $659.5 million; Atlantic Union Bank (#34589) call report June 30, 2026.

Atlantic Union Bank (#34589) noncurrent real-estate loans: none reported; Atlantic Union Bank (#34589) multifamily -0.01%; Atlantic Union Bank (#34589) residential 0.01%; Atlantic Union Bank (#34589) net charge-offs on real estate 0.51%; Atlantic Union Bank (#34589) commercial charge-offs 0.38%; Atlantic Union Bank (#34589) multifamily charge-offs 1.11%; Atlantic Union Bank (#34589) residential charge-offs 0.30%.

Atlantic Union Bank (#34589) net interest margin 3.96% against an eight-quarter Atlantic Union Bank (#34589) average of 3.86% (Atlantic Union Bank (#34589) compression -0.11 points); Atlantic Union Bank (#34589) real-estate loans 0.1% of equity; Atlantic Union Bank (#34589) commercial real estate 37.7% of equity; Atlantic Union Bank (#34589) non-residential real estate 29.9% of equity; Atlantic Union Bank (#34589) rate-exposure score 44/100, Atlantic Union Bank (#34589) fixed-rate trap 44/100; Atlantic Union Bank (#34589) risk type market signal; Atlantic Union Bank (#34589) rate regime rates elevated; Atlantic Union Bank (#34589) shares 11.4% below the 52-week high, Atlantic Union Bank (#34589) equity trend weakening, Atlantic Union Bank (#34589) snapshot October 19, 2026.

Atlantic Union Bank (#34589) stress score moved from 41 on June 22, 2026 to 39.7 on October 19, 2026; Atlantic Union Bank (#34589) ranged 39.7 to 41 over 116 snapshots.

Atlantic Union Bank (#34589) alerts: 35 counties; top Atlantic Union Bank (#34589) alert scores: Lynchburg County, VA 42 (moderate); Danville County, VA 41 (moderate); Floyd County, VA 40 (moderate); Lexington County, VA 37 (moderate); Williamsburg County, VA 37 (moderate).