Atlantic Union Bankshares
22 named things its latest annual report says its results depend on, each in the company's own words. 15 of them are also named by other companies we've read.
Customers
Government-sponsored enterprises
earns fromnamed as a riskWhen mortgage loans are sold, whether as whole loans or pursuant to a securitization, we are required to make customary representations and warranties to purchasers, guarantors, and insurers, including the government-sponsored enterprises, about the mortgage loans and the manner in which they were originated.Risk factors (Item 1A)
Partners and platforms
Federal Home Loan Bank of Atlanta
depends onThe Bank is a member of the FHLB of Atlanta, which is one of 11 regional Federal Home Loan Banks that provide funding to their members for making housing loans as well as for affordable housing and community development loans.Business (Item 1)
Raymond James Financial Services, Inc.
depends onThrough Atlantic Union Financial Consultants, LLC, we offer brokerage services and execute securities transactions through Raymond James Financial Services, Inc., an independent broker dealer.Business (Item 1)
Also named by PNFP
Bearing Insurance LLC
depends onUnion Insurance Group generates revenue through the sale of various insurance products through Bearing Insurance LLC, including long-term care insurance and business owner policies.Business (Item 1)
Elan Financial Services
depends onIn addition, we offer our customers a variety of treasury management services that provide cash management, fraud protection, liquidity and payment solutions, which primarily include automated clearing house (“ACH”) payments, domestic and international wires, check issuance services, and credit cards (through an arrangement with Elan Financial Services).Business (Item 1)
Other companies
Sandy Spring Bancorp, Inc.
more than 50 branchesnamed as a riskWith the acquisition of Sandy Spring, we acquired more than 50 branches in Virginia, Maryland, and Washington, D.C., enhancing our presence in Northern Virginia and Maryland.Business (Item 1)
Places
North Carolina
operates in · ten new branchesIn 2025, we announced a strategic expansion into North Carolina that will result in ten new branches over the next three years, focusing initially on the Raleigh and Wilmington areas, with plans to open highly visible locations targeting attractive submarkets combined with 86 planned AUB branded ATMs at high-traffic retailers, as well as expanded commercial, wealth and mortgage teams throughout the region.Business (Item 1)
Also named by ABR, DUK, FCNCA, FHN, GLW, IMKTA, MLM, PNFP and 5 more
Virginia
concentrated in · 6.3% of total bank depositsOur deposit market share in Virginia was 6.3% of total bank deposits as of June 30, 2025, based on FDIC deposit data, and we were the largest regional bank headquartered in Virginia at that time.Business (Item 1)
Also named by CNX, CSGP, D, ELV, PNFP, PPL, TFC, TREX and 1 more
Maryland
concentrated in · 4.8% of total bank depositsOur deposit market share in Maryland was 4.8% of total bank deposits as of June 30, 2025, based on FDIC deposit data, contributing to make us the largest regional bank headquartered in the lower mid-Atlantic at that time.Business (Item 1)
Virginia, Maryland, Washington, D.C., North Carolina and South Carolina
concentrated innamed as a riskUnlike larger financial institutions that are more geographically diversified, we are a regional bank that focuses on providing banking and financial services to customers primarily in Virginia, Maryland, Washington, D.C., North Carolina, and South Carolina.Risk factors (Item 1A)
Hazards
Hurricanes and severe weather
operates innamed as a riskSevere weather events such as hurricanes, tropical storms, tornados, winter storms, flooding, and other large-scale weather catastrophes in our markets subject us to significant risks and more frequent severe weather events magnify those risks.Risk factors (Item 1A)
Commodities and inputs
Commercial real estate
concentrated innamed as a riskWe have significant credit exposure in CRE, which may expose us to additional credit risks, and may adversely affect our business, financial condition, and results of operations.Risk factors (Item 1A)
Also named by AFL, APO, BAC, C, CFR, FSUN, GBCI, JPM and 11 more
Regulators
Consumer Financial Protection Bureau (CFPB)
subject to · more than $10 billion in assetsnamed as a riskThe Bank is also subject to regulation and supervision by the CFPB, as an institution with more than $10 billion in assets.Business (Item 1)
Also named by ABNB, AFRM, ALLY, AN, AXP, BAC, CASH, CFG and 61 more
Federal Reserve
subject tonamed as a riskThe Bank, as a member of the Federal Reserve System, is also supervised and regularly examined by the Federal Reserve.Business (Item 1)
Also named by AGNC, AXP, BAC, CASH, COF, DX, EFSC, EWBC and 24 more
Virginia State Corporation Commission Bureau of Financial Institutions
subject toThe Bank is chartered by the Commonwealth of Virginia and is supervised and regularly examined by the Bureau of Financial Institutions, a division of the Virginia State Corporation Commission.Business (Item 1)
Laws and programs
Federal Reserve debit interchange fee cap (Regulation II)
subject to · 21 cents plus 0.05% of the transaction valuenamed as a riskUnder final rules of the Federal Reserve, which are applicable to financial institutions that have assets of $10 billion or more, the maximum permissible interchange fee is equal to the sum of 21 cents plus 0.05% of the transaction value for many types of debit interchange transactions.Business (Item 1)
FDIC deposit insurance
subject to · $27.5 millionFor the years ended December 31, 2025, 2024, and 2023, we incurred deposit insurance assessment expenses of $27.5 million, $18.3 million, and $18.0 million, respectively.Business (Item 1)
Community Reinvestment Act
subject tonamed as a riskIf the Bank receives a rating from the Federal Reserve of less than “satisfactory” under the CRA, restrictions on operating activities would be imposed.Business (Item 1)
Also named by ALLY, AMP, CFG, CFR, EFSC, EWBC, FCNCA, FHN and 20 more
GENIUS Act
named as a riskDepending on consumer and business interest in payment stablecoins, and the characteristics and utility of payment stablecoins, the passage of the GENIUS Act could result in increased competition with respect to our deposit products.Risk factors (Item 1A)
Also named by C, CFR, COF, COIN, CUBI, EWBC, FCNCA, FISV and 15 more
Bank Secrecy Act
subject tonamed as a riskThe Bank is subject to the Bank Secrecy Act and its implementing regulations and U.S. economic sanctions, and any issues with respect to the Bank’s compliance with the Bank Secrecy Act and its implementing regulations, and U.S. economic sanctions could result in significant civil penalties and have a material adverse effect on our business strategy.Risk factors (Item 1A)
Also named by BAC, CASH, CPAY, CUBI, EFSC, EWBC, EZPW, FISV and 10 more
Small Business Administration (SBA)
subject tonamed as a riskWe participate in various U.S. government agency loan guarantee programs, including programs operated by the SBA.Risk factors (Item 1A)
Virginia Consumer Data Protection Act
named as a riskThe Bank is exempt from the VCDPA, but certain third-party vendors of the Company or the Bank are subject to the VCDPA, which could negatively impact the products or services that we obtain from those vendors.Business (Item 1)