Form 8-K

8-K — Atlantic Union Bankshares Corp

Accession: 0000883948-26-000079

Filed: 2026-10-27

Period: 2026-10-27

CIK: 0000883948

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — aub-20261027x8k.htm (Primary)

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8-K

8-K (Primary)

Filename: aub-20261027x8k.htm · Sequence: 1

ATLANTIC UNION BANKSHARES CORPORATION_ October 27, 2026

0000883948false0000883948us-gaap:SeriesAPreferredStockMember2026-10-272026-10-270000883948us-gaap:CommonStockMember2026-10-272026-10-2700008839482026-10-272026-10-27

United States

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 27, 2026

ATLANTIC UNION BANKSHARES CORPORATION

(Exact name of registrant as specified in its charter)

Virginia

001-39325

54-1598552

(State or other jurisdiction

(Commission

(I.R.S. Employer

of incorporation)

File Number)

Identification No.)

4300 Cox Road

Glen Allen, Virginia 23060

(Address of principal executive offices, including Zip Code)

Registrant’s telephone number, including area code: (804) 633-5031

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $1.33 per share

AUB

New York Stock Exchange

Depositary Shares, Each Representing a 1/400th Interest in a Share of 6.875% Perpetual Non-Cumulative Preferred Stock, Series A

AUB.PRA

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

☐

Item 7.01 Regulation FD Disclosure.

Attached as Exhibit 99.1 is a handout containing information that certain members of Atlantic Union Bankshares Corporation (the “Company”) management will use during meetings with investors, analysts, and other interested parties to assist their understanding of the Company from time to time during the fourth quarter of 2026. Other presentations and related materials will be made available as they are presented. This handout is also available under News & Events > Presentations in the Investor Relations section of the Company’s website at http://investors.atlanticunionbank.com. Exhibit 99.1 is incorporated by reference into this Item 7.01.

The information disclosed in or incorporated by reference into this Item 7.01, including Exhibit 99.1, is furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description of Exhibit

99.1

Atlantic Union Bankshares Corporation investor presentation

104

Cover Page Interactive Data File – the cover page iXBRL tags are embedded within the Inline XBRL document

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ATLANTIC UNION BANKSHARES CORPORATION

Date: October 27, 2026

By:

/s/ Alexander D. Dodd

Alexander D. Dodd

Executive Vice President and

Chief Financial Officer

EX-99.1

Filename: aub-ex99d1.htm · Sequence: 2

Exhibit 99.1

Investor Presentation November - December 2026

FORWARD-LOOKING STATEMENTS

This presentation and statements by our management may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include, without limitation, statements

regarding our strategic initiatives, priorities, plan and vision; statements regarding our strategic expansion into North Carolina, including our expectations regarding new branch openings; statements regarding our investments in strategic technology initiatives;

statements regarding our business, financial and operating results, including our deposit base and funding; the impact of changes in economic conditions, the interest rate environment, economic, fiscal or trade policy and the potential related impacts on our

business and loan demand; management’s beliefs regarding our liquidity, capital resources, asset quality, CRE loan portfolio and our customer relationships; statements regarding our strategy, statements that include other projections, predictions, expectations, or

beliefs about future events or results or otherwise are not statements of historical fact, and statements on the slides entitled “Our Strategic Priorities”, “Highlights”, “Harnessing Organic Power” , “2026 Financial Outlook” and “Medium-Term Financial Targets”. Such

forward-looking statements are based on certain assumptions as of the time they are made, and are inherently subject to known and unknown risks, uncertainties, and other factors, some of which cannot be predicted or quantified, that may cause actual results,

performance, or achievements to be materially different from those expressed or implied by such forward-looking statements. Forward-looking statements are often characterized by the use of qualified words (and their derivatives) such as “expect,” “believe,”

“estimate,” “plan,” “project,” “anticipate,” “intend,” “will,” “may,” “view,” “opportunity,” “seek to,” “potential,” “continue,” “confidence,” or words of similar meaning or other statements concerning opinions or judgment of Atlantic Union Bankshares Corporation

(the “Company,” “AUB,” “we,” “us” or “our”) and our management about future events. Although we believe that our expectations with respect to forward-looking statements are based on reasonable assumptions within the bounds of our existing knowledge of our

business and operations, there can be no assurance that actual future results, performance, or achievements of, or trends affecting, us will not differ materially from any projected future results, performance, achievements or trends expressed or implied by such

forward-looking statements. Actual future results, performance, achievements or trends may differ materially from historical results or those anticipated depending on a variety of factors, including, but not limited to, the effects of or changes in:

• market interest rates and their related impacts on macroeconomic conditions, customer and client behavior, our funding

costs and our loan and securities portfolios;

• economic conditions, including inflation and recessionary conditions and their related impacts on economic growth and

customer and client behavior;

• U.S. and global trade policies and tensions, including changes in, or the imposition of, tariffs and/or trade barriers and the

economic impacts, volatility and uncertainty resulting therefrom, and geopolitical instability;

• volatility in the financial services sector, including failures or rumors of failures of other depository institutions, along with

actions taken by governmental agencies to address such turmoil, and the effects on the ability of depository institutions,

including us, to attract and retain depositors and to borrow or raise capital;

• legislative or regulatory changes and requirements, including changes in federal state or local tax laws and changes

impacting the rulemaking, supervision, examination and enforcement priorities of the federal banking agencies;

• the sufficiency of liquidity and changes in our capital position;

• general economic and financial market conditions in the United States generally and particularly in the markets in which we

operate and which our loans are concentrated, including the effects of declines in real estate values, an increase in

unemployment levels, U.S. fiscal debt, budget and tax matters, U.S. government shutdowns, and slowdowns in economic

growth;

• the possibility that the anticipated benefits of our acquisition activity, including anticipated cost savings and strategic gains,

are not realized when expected or at all, including as a result of the strength of the economy, competitive factors in the areas

where we do business, or as a result of other unexpected factors or events;

• potential adverse reactions or changes to business or employee relationships;

• our ability to identify, recruit and retain key employees

• monetary, fiscal and regulatory policies of the U.S. government, including policies of the U.S. Department of the Treasury and

the Federal Reserve;

• the quality or composition of our loan or investment portfolios and changes in these portfolios;

• demand for loan products and financial services in our market areas;

• our ability to manage our growth or implement our growth strategy;

• the effectiveness of expense reduction plans;

• the introduction of new lines of business or new products and services;

• real estate values in our lending area;

• changes in accounting principles, standards, rules, and interpretations, and the related impact on our financial statements;

• an insufficient ACL or volatility in the ACL resulting from the CECL methodology, either alone or as that may be affected by

changing economic conditions, credit concentrations, inflation, changing interest rates, or other factors;

• concentrations of loans secured by real estate, particularly commercial real estate;

• the effectiveness of our credit processes and management of our credit risk;

• our ability to compete in the market for financial services and increased competition from fintech companies;

• technological risks and developments, and cyber threats, attacks, or events;

• emerging issues related to the development and use of artificial intelligence that could give rise to legal or regulatory action

or increase the risk of a cybersecurity attack or the probability that such an attack would be successful;

• operational, technological, cultural, regulatory, legal, credit, and other risks associated with the exploration, consummation

and integration of potential future acquisitions, whether involving stock or cash consideration;

• the potential adverse effects of unusual and infrequently occurring events, such as weather-related disasters, terrorist acts,

geopolitical conflicts or public health events (such as pandemics), and of governmental and societal responses thereto;

these potential adverse effects may include, without limitation, adverse effects on macroeconomic conditions, the ability of

our borrowers to satisfy their obligations to us, on the value of collateral securing loans, on the demand for our loans or our

other products and services, on supply chains and methods used to distribute products and services, on incidents of

cyberattack and fraud, on our liquidity or capital positions, on risks posed by reliance on third-party service providers, on

other aspects of our business operations and on financial markets and economic growth;

• performance by our counterparties or vendors;

• deposit flows;

• the availability of financing and the terms thereof;

• the level of prepayments on loans and mortgage-backed securities;

• actual or potential claims, damages, and fines related to litigation or government actions, which may result in, among other

things, additional costs, fines, penalties, restrictions on our business activities, reputational harm, or other adverse

consequences;

• any event or development that would cause us to conclude that there was an impairment of any asset, including intangible

assets, such as goodwill; and

• other factors, many of which are beyond our control.

Please also refer to such other factors as discussed throughout Part I, Item 1A. “Risk Factors” and Part II, Item 7. “Management’s Discussion and Analysis of Financial Condition and Results of Operations” of our Annual Report on Form 10-K for the year ended

December 31, 2025, and related disclosures in other filings, which have been filed with the U.S. Securities and Exchange Commission (“SEC”) and are available on the SEC’s website at www.sec.gov. All risk factors and uncertainties described herein and therein

should be considered in evaluating forward-looking statements, and all forward-looking statements are expressly qualified by the cautionary statements contained or referred to herein and therein. The actual results or developments anticipated may not be realized

or, even if substantially realized, they may not have the expected consequences to or effects on the Company or our businesses or operations. Readers are cautioned not to rely too heavily on forward-looking statements. Forward-looking statements speak only as of

the date they are made. We do not intend or assume any obligation to update, revise or clarify any forward-looking statements that may be made from time to time by or on behalf of the Company, whether because of new information, future events or otherwise,

except as required by law.

ADDITIONAL INFORMATION

Non-GAAP Financial Measures

This presentation contains certain financial information determined by methods other than

in accordance with generally accepted accounting principles in the United States (“GAAP”).

These non-GAAP financial measures are a supplement to GAAP, which is used to prepare

our financial statements, and should not be considered in isolation or as a substitute for

comparable measures calculated in accordance with GAAP. In addition, our non-GAAP

financial measures may not be comparable to non-GAAP financial measures of other

companies. We use the non-GAAP financial measures discussed herein in our analysis of

our performance. Our management believes that these non-GAAP financial measures

provide additional understanding of ongoing operations, enhance comparability of results

of operations with prior periods, show the effects of significant gains and charges in the

periods presented without the impact of items or events that may obscure trends in our

underlying performance, or show the potential effects of accumulated other

comprehensive income (or AOCI) or unrealized losses on securities on our capital. This

presentation also includes certain projections of non-GAAP financial measures. Due to the

inherent variability and difficulty associated with making accurate forecasts and

projections of information that is excluded from these projected non-GAAP measures, and

the fact that some of the excluded information is not currently ascertainable or accessible,

we are unable to quantify certain amounts that would be required to be included in the most

directly comparable projected GAAP financial measures without unreasonable effort.

Consequently, no disclosure of projected comparable GAAP measures is included, and no

reconciliation of forward-looking non-GAAP financial information is included.

Please see “Reconciliation of Non-GAAP Disclosures” at the end of this presentation for a

reconciliation to the nearest GAAP financial measure.

No Offer or Solicitation

This presentation does not constitute an offer to sell or a solicitation of an offer to buy any

securities. No offer of securities shall be made except by means of a prospectus meeting

the requirements of the Securities Act of 1933, as amended, and no offer to sell or

solicitation of an offer to buy shall be made in any jurisdiction in which such offer,

solicitation or sale would be unlawful.

Market and Industry Data

Unless otherwise indicated, market data and certain industry forecast data used in this

presentation were obtained from internal reports, where appropriate, as well as third party

sources and other publicly available information. Data regarding the industries and markets

in which the Company competes, its market position and market share within these

industries are inherently imprecise and are subject to significant business, economic and

competitive uncertainties beyond the Company's control. In addition, assumptions and

estimates of the Company and its industries' future performance are necessarily subject to

a high degree of uncertainty and risk due to a variety of factors. These and other factors

could cause future performance to differ materially from assumptions and estimates.

About Atlantic Union Bankshares Corporation

Headquartered in Richmond, Virginia, Atlantic Union Bankshares Corporation (NYSE: AUB)

is the holding company for Atlantic Union Bank. Atlantic Union Bank has branches and

ATMs located in Virginia, Maryland, North Carolina and Washington, D.C. Certain non-bank

financial services affiliates of Atlantic Union Bank include: Atlantic Union Equipment

Finance, Inc., which provides equipment financing; AUB Investments, Inc., which provides

investment services; and Atlantic Union Capital Markets, Inc., which provides capital

market services.

HIGHLIGHTS1

branches across

Virginia, North

Carolina and

Maryland footprint

180

Assets under Management

$16.6 Billion

$38.4 Billion

Assets

$29.3 Billion

Loans

$31.0 Billion

Deposits

$5.3 Billion

Market Capitalization

N O R F O L K

V I R G I N I A

B E A C H

M a ry l a n d

V irg in ia

No rth C a ro l in a

C H A R L O T T E

W I L M I N G T O N

B A L T I M O R E

R A L E I G H

G R E E N S B O R O

R O A N O K E

S T A U N T O N

C H A R L O T T E S V I L L E

R I C H M O N D

F R E D E R I C K S B U R G

Current Branch (180) LPO (2)

Planned Additional NC

Branch Expansion (7)

W A S H I N G T O N D . C .

OUR COMPANY

Soundness | Profitability | Growth

Largest Regional Bank Headquartered in the Lower Mid-Atlantic2,3

1. Assets, Loans, Deposits and Assets under Management are as of September 30, 2026.

Market Cap as of October 19, 2026. Branch count is as of November 9, 2026.

2. Based on deposit market share as of June 30, 2026. Regional market: Delaware, Maryland,

New Jersey, Pennsylvania, Virginia, Washington, D.C., and West Virginia

3. Regional banks defined as U.S. Banks with <$100 Billion in assets 4

FINANCIAL

STRENGTH

Solid balance sheet &

capital levels

PEER-LEADING

PERFORMANCE

Committed to top-tier

financial performance

ATTRACTIVE

FINANCIAL

PROFILE

Solid dividend yield

& payout ratio with

earnings upside

STRONG GROWTH

POTENTIAL

Organic & acquisition

opportunities

OUR

SHAREHOLDER

VALUE

PROPOSITION

Positioned for growth and long-term shareholder value creation as a

preeminent regional bank with a leading presence in attractive markets

LEADING REGIONAL

PRESENCE

Dense, uniquely valuable

presence across attractive

markets

Select awards received over the last three years 6

Our Core Values

Continue to

Make us

Successful

CARING

Working together toward

common goals, acting with

kindness, respect, and a genuine

concern for others.

COURAGEOUS

Speaking openly, honestly,

and accepting our challenges

and mistakes as opportunities to

learn and grow.

COMMITTED

Driven to help our clients,

Teammates, and company

succeed, doing what is right and

accountable for our actions.

Our Strategic

Priorities

Merger Execution

Execute upon the Sandy Spring acquisition, realizing its expectations

and potential

Build Scaling Capabilities

Continue to build infrastructure, risk management, workforce,

processes and capabilities to support scaling over time

Deliver Organic Growth

Leverage core franchise to deepen relationships, grow market share,

increase operating leverage, and build upon a strong and durable foundation

Innovate and Transform

Capitalize on technology to enhance organic growth, increase efficiency and

quality, and outpace customer expectations

Strategic Investments

Supplement organic growth with other strategic opportunities to enhance

our organic growth and transformation, but we plan to deprioritize whole

bank acquisitions under our current strategic plan

FOUNDATIONAL

ORGANIC

INORGANIC

With the franchise now established, our focus is on maximizing its potential:

Harnessing Organic Power

We Believe AUB

Was Built For

This Moment

We have invested the capital,

built the platform, and

assembled the team. Now is the

time to demonstrate the power

of what we have built—

delivering sustainable, top-tier

performance and returns.

Organic growth

Deepening relationships,

growing our company

organically, and leveraging our

scale efficiently.

Capital generation

Shifting from capital

deployment to capital

creation, targeting top tier

returns, earnings growth,

and tangible book value

per share growth.

Disciplined execution

Delivering on the promises

made to our stakeholders.

1. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measure in "Appendix - Reconciliation of Non-GAAP Disclosures” 9

HIGHLIGHTS

Q3 2026

LOANS

& DEPOSITS

Quarterly average loan growth was approximately

9.6% annualized in Q3 2026 and quarterly loan

growth increased approximately 8.6% annualized

since the end of Q2 2026

Quarterly average deposit growth was approximately

1.5% annualized in Q3 2026 and quarterly deposit

growth increased approximately 6.5% annualized

since the end of Q2 2026

POSITIONING

FOR LONG TERM

Lending pipelines remain healthy and

macroeconomic environment remains resilient

Focused on generating positive operating leverage

DIFFERENTIATED

CLIENT EXPERIENCE

Responsive, strong and capable alternative to large

national banks, while competitive with and more

capable than smaller banks

CAPITALIZE ON

STRATEGIC OPPORTUNITIES

Focused on execution and organic growth opportunities

Organic expansion in North Carolina

FINANCIAL

RATIOS

Q3 2026 adjusted operating return on tangible common

equity of 19.85%1

Q3 2026 adjusted operating return on assets of 1.45%1

Q3 2026 adjusted operating efficiency ratio (FTE) of 48.14%1

Q3 2026 adjusted operating diluted EPS of $0.961

ASSET

QUALITY

Q3 2026 annualized net charge-offs at 3 basis points

of total average loans held for investment

Allowance for Credit Loss as a percentage of loans

held for investment of 1.14%

Nonperforming Assets as a percentage of loans held

for investment of 0.37%

Growth opportunity in all three states

Source: SNL Financial and FDIC deposit data

Deposit and branch data as of 6/30/26 which is presented on a pro forma basis for any announced transactions

Note: Excludes branches with deposits greater than $5.0 billion

Market Opportunity in Virginia, Maryland, and North Carolina

NORTH

CAROLINA

ALL BANKS

MARYL AND

ALL BANKS

Rank Institution Deposits ($mm) Market Share (%) Branches

1 Truist Financial Corp. $43,188 18.4% 275

2 Wells Fargo & Co. 37,548 16.0 216

3 First Citizens BancShares Inc. 26,648 11.3 197

4 Bank of America Corp. 20,910 8.9 107

5 PNC Financial Services Group Inc. 13.209 5.6 100

6 First Bancorp 9,721 4.1 101

7 F.N.B. Corp. 8,848 3.8 95

8 Fifth Third Bancorp 7,754 3.3 87

9 Pinnacle Financial Partners Inc. 7,698 3.3 48

10 First Horizon Corp. 6,763 2.9 78

28 Atlantic Union Bankshares Corp. 947 0.4 12

Top 10 Banks $182,287 77.6% 1,304

All Institutions in Market $235,403 100.0% 2,025

Rank Institution Deposits ($mm) Market Share (%) Branches

1 Bank of America Corp. $27,830 16.5% 113

2 Truist Financial Corp. 23,115 13.7 138

3 PNC Financial Services Group Inc. 19,037 11.3 115

4 M&T Bancorp. 16,670 9.9 155

5 Wells Fargo & Co. 11,995 7.1 73

6 Capital One Financial Corp. 10,600 6.3 41

7 Atlantic Union Bankshares Corp. 6,950 4.1 40

8 Eagle Bancorp Inc. 6,087 3.6 7

9 Capital Funding Bancorp 5,105 3.0 3

10 Shore Bancshares Inc. 4,911 2.9 35

Top 10 Banks $132,300 78.4% 720

All Institutions in Market $168,943 100.0% 1,137

Growth

Opportunity

Growth

Opportunity

Rank Institution Deposits ($mm) Market Share (%) Branches

1 Truist Financial Corp. $49,673 20.8% 259

2 Wells Fargo & Co 33,429 14.0 178

3 Bank of America Corp. 23, 824 10.0 97

4 Atlantic Union Bankshares Corp. 22,571 9.5 126

5 TowneBank 13,150 5.5 48

6 United Bankshares Inc. 10,241 4.3 79

7 PNC Financial Services Group Inc. 5,470 2.3 52

8 Burke & Herbert 4,651 2.0 40

9 Pinnacle Financial Partners 4,422 1.9 12

10 Capital One Financial Corp. 3,934 1.7 19

Top 10 Banks $171,365 72.0% 910

All Institutions in Market $238,630 100.0% 1,838

VIRGINIA

ALL BANKS

VIRGINIA

BANKS

HEADQUART ERE D

IN VA

Rank Institution Deposits ($mm) Market Share (%) Branches

1 Atlantic Union Bankshares Corp. $22,571 25.3% 126

2 TowneBank 13,150 14.7 48

3 Burke & Herbert 4,651 5.2 40

4 Capital One Financial Corp. 3.934 4.4 19

5 Carter Bank & Trust 3,502 3.9 51

6 John Marshall Bancorp 3,436 3.9 21

7 Primis Financial Corp. 3,289 3.7 26

8 First Bancorp 3.214 3.6 21

9 C&F Financial 2,381 2.7 32

10 Chain Bridge Bancorp 2,007 2.3 1

Top 10 Banks $62,134 69.7% 385

All Institutions in Market $89,268 100.0% 790

Growth

Opportunity

Franchise

Strength

Source: Most recent data available from S&P Global; Bureau of Economic Analysis, Bureau of Labor Statistics 11

OUR MARKETS

# State

Pop.

(Millions)

1 California 39.4

2 Texas 32.0

3 Florida 24.0

4 New York 19.9

5 Pennsylvania 13.1

6 Illinois 12.7

7 Ohio 11.9

8 Georgia 11.3

# State HHI ($)

1 District of Columbia 117,508

2 Massachusetts 109,065

3 New Jersey 108,801

4 Maryland 107,134

5 New Hampshire 106,667

6 California 105,694

7 Washington 105,641

8 Hawaii 105,239

# State

GDP

($Billions)

1 California 4,251

2 Texas 2,904

3 New York 2,468

4 Florida 1,835

5 Illinois 1,202

6 Pennsylvania 1,056

7 Ohio 967

8 Georgia 925

# State

Pop.

(Millions)

9 North Carolina 11.2

10 Michigan 10.2

11 New Jersey 9.6

12 Virginia 8.9

13 Washington 8.0

14 Arizona 7.7

15 Tennessee 7.3

18 Maryland 6.3

# State HHI ($)

9 Utah 103,211

10 Connecticut 102,592

11 Colorado 102,130

12 Virginia 99,769

13 Alaska 96,366

14 Minnesota 95,088

15 Rhode Island 93,626

37 North Carolina 79,045

# State

GDP

($Billions)

9 Washington 895

10 North Carolina 894

11 New Jersey 887

12 Massachusetts 820

13 Virginia 798

14 Michigan 730

15 Arizona 598

18 Maryland 568

MEDIAN HOUSEHOLD INCOME ($)

2026 POPULATION

( M I LLI O N S )

2025 CURRENT DOLLAR GDP

( $ B I LLI O N S )

UNEMPLOYMENT BY STATE

# State August 2026 (%)

1 South Dakota 2.0

2 North Dakota 2.2

3 Vermont 2.6

4 Hawaii 2.7

5 New Hampshire 2.8

6 Nebraska 2.9

7 Wyoming 3.0

8 Georgia 3.2

# State August 2026 (%)

8 Iowa 3.2

8 Maine 3.2

8 Montana 3.2

8 Wisconsin 3.2

18 North Carolina 3.5

21 Virginia 3.6

29 Maryland 4.1

51 District of

Columbia 5.7

National Rate 4.1

LOANS ($mm)

$16,611 $15,932 $16,818

$20,398

$30,472 $30,966

2021 2022 2023 2024 2025 2026 YTD

BALANCE SHEET TRENDS (GAAP)

Data as of December 31 each respective year, except for 2026 YTD which is as of the nine months ended September 30, 2026

CAGR defined as compounded annual growth rate from 2021 through September 30, 2026

$20,065 $20,461 $21,166

$24,585

$37,586 $38,352

2021 2022 2023 2024 2025 2026 YTD

$13,196

$14,449 $15,635

$18,471

$27,796

$29,297

2021 2022 2023 2024 2025 2026 YTD

18% CAGR DEPOSITS ($mm) 14% CAGR ASSETS ($mm) 15% CAGR

Data as of or for the twelve months ended each respective year, except for 2026 YTD which is as of the nine months ended September 30, 2026

*ROA, ROE and efficiency ratio are annualized, as applicable.

STRONG TRACK RECORD OF PERFORMANCE (GAAP)

$3.26 $2.97 $2.53 $2.24 $2.03

$2.89

2021 2022 2023 2024 2025 2026 YTD

9.68% 9.51% 8.27% 7.04% 6.16%

10.98%

2021 2022 2023 2024 2025 2026 YTD*

61.91% 57.46% 61.32% 62.09% 65.16%

52.61%

2021 2022 2023 2024 2025 2026 YTD*

1.32% 1.18% 0.98% 0.88% 0.80%

1.49%

2021 2022 2023 2024 2025 2026 YTD*

EARNINGS PER SHARE, DILUTED

AVAILABLE TO COMMON SHAREHOLDERS ($) RETURN ON EQUITY (ROE) (%)

RETURN ON ASSETS (ROA) (%) EFFICIENCY RATIO (%)

STRONG TRACK RECORD OF PERFORMANCE (NON-GAAP)

Data as of or for the twelve months ended each respective year, except 2026 YTD which is as of the nine months ended September 30, 2026

* ROA, ROE and efficiency ratio are annualized, as applicable.

(1) Non-GAAP financial measure; See reconciliation to most directly comparable GAAP measure in "Appendix -- Reconciliation of Non-GAAP Disclosures”

ADJUSTED OPERATING EARNINGS PER SHARE

AVAILABLE TO COMMON SHAREHOLDERS, DILUTED ($)(1)

ADJUSTED OPERATING RETURN

ON TANGIBLE COMMON EQUITY (ROTCE) (%)(1)

ADJUSTED OPERATING RETURN ON ASSETS (ROA) (%)(1) ADJUSTED OPERATING EFFICIENCY RATIO (FTE)(%)(1)

$3.53

$2.92 $2.95 $2.88

$3.44

$2.79

2021 2022 2023 2024 2025 2026 YTD

18.07% 17.06% 17.21% 16.85%

20.41% 19.86%

2021 2022 2023 2024 2025 2026 YTD*

54.52% 54.68% 54.15% 53.31%

49.68% 48.47%

2021 2022 2023 2024 2025 2026 YTD*

1.43%

1.16% 1.14% 1.11%

1.33% 1.44%

2021 2022 2023 2024 2025 2026 YTD*

CAPITAL RATIO

REGULATORY

WELL

CAPITALIZED

MINIMUMS

REPORTED PRO FORMA INCLUDING AOCI

& HTM UNREALIZED LOSSES

ATLANTIC

UNION

BANKSHARES

ATLANTIC

UNION BANK

ATLANTIC

UNION

BANKSHARES

ATLANTIC

UNION BANK

Common Equity Tier 1 Ratio (CET1) 6.5% 10.4% 13.4% 8.9% 11.8%

Tier 1 Capital Ratio 8.0% 10.9% 13.4% 9.4% 11.8%

Total Risk Based Capital Ratio 10.0% 14.6% 14.3% 13.0% 12.8%

Leverage Ratio 5.0% 9.6% 11.7% 8.3% 10.4%

Tangible Equity to Tangible Assets (non-GAAP)1

- 8.3% 10.5% 8.1% 10.2%

Tangible Common Equity Ratio(non-GAAP) 1

- 7.9% 10.5% 7.6% 10.2%

As of 9/30/2026 As of 9/30/2025 % Change

Tangible Book Value per share (non-GAAP) 1 Ex. AOCI $23.22 $20.98 10.7%

1. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in “Appendix – Reconciliation of Non-GAAP Disclosures”

• Capital information presented herein is based on estimates and subject to change pending the Company’s filing of its regulatory reports

• Figures may not foot due to rounding

STRONG CAPITAL POSITION CAPITAL MANAGEMENT STRATEGY

ATLANTIC UNION CAPITAL MANAGEMENT

OBJECTIVES ARE TO:

• Maintain designation as a “well capitalized”

institution.

• Ensure capital levels are commensurate with

the Company’s risk profile, capital stress test

projections, and strategic plan objectives.

THE COMPANY’S CAPITAL RATIOS ARE WELL

ABOVE REGULATORY WELL CAPITALIZED LEVELS

AS OF SEPTEMBER 30, 2026

• On a pro forma standalone basis, the Company

and the Bank would be well capitalized if

unrealized losses on securities were realized at

September 30, 2026.

CAPITAL MANAGEMENT ACTIONS

During the third quarter of 2026, the Company:

• Paid a common stock dividend of 37 cents per

share, which was the same as the second quarter

of 2026, and an increase of 8.8% from the third

quarter of 2025 dividend amount.

• Paid dividends of $171.88 per outstanding share

of Series A Preferred Stock

• Repurchased $62.5 million of common stock at

an average price of $41.38

At September 30, 2026

QUARTERLY ROLL FORWARD COMMON EQUITY

TIER 1 RATIO

TANGIBLE COMMON

EQUITY RATIO

TANGIBLE BOOK VALUE

PER SHARE

6/30/26 10.41% 8.17% $20.77

Pre-Provision Net Income 0.45% 0.39% 0.99

One-Time impacts (0.01%) (0.01%) (0.01)

After Tax Provision (0.01%) (0.01%) (0.03)

Common Dividend (0.17%) (0.15%) (0.37)

Common Share Repurchases (0.20%) (0.17%) (0.23)

AOCI 0.00% (0.35%) (0.89)

Goodwill & Intangibles 0.04% 0.04% 0.11

Deferred Taxes and Other 0.04% 0.01% 0.03

Asset Growth (0.16%) (0.06%) 0.00

9/30/26 10.39% 7.87% $20.36

Cumulative AOCI Total Impact --- 1.11% 2.86

9/30/26 ex. AOCI1 10.39% 8.98% $23.22

2026 FINANCIAL OUTLOOK

1. Information on this slide is presented as of October 20, 2026, reflects the Company’s updated financial outlook, certain of the Company’s financial targets, and key economic and other assumptions, and will not be updated or affirmed unless and

until the Company publicly announces such an update or affirmation. The 2026 financial outlook, the Company’s financial targets and the key economic assumptions contain forward-looking statements. These statements are based on current

beliefs and expectations of our management and are subject to significant risks and uncertainties, including, but not limited to, volatility and uncertainty in the macro economic environment, changes in federal and state governmental policies, the

imposition or expansion of tariffs, sustained inflationary pressures, macroeconomic conditions, and geopolitical instability. As a result, actual results or conditions may differ materially. See the information set forth below the heading “Forward-Looking Statements” on slide 2 of this presentation.

2. Refer to “Additional Information” slide and Appendix for non-GAAP disclosures.

FULL YEAR 2026 OUTLOOK 1 FULL YEAR 2026 COMMENTARY1

Loans (end of period) $29.0 – 30.0 billion Lower End of High Single Digit Year over

Year Growth

Deposits (end of period) $31.0 – 32.0 billion Low Single Digits Year over Year Growth

Credit Outlook

ACL to loans: ~115 – 120 bps

Net charge-off ratio: <5 bps

Low end of ACL Range

NCO reduced from a range of 5 to 10 bps

Net Interest Income (FTE)2 ~$1.32 - $1.33 billion Low end of Range

Net Interest Margin (FTE)2 ~3.90% - 3.95% Low end of Range

Adjusted Operating Noninterest

Income2

~$220 - $230MM Low end of Range

Adjusted Operating Noninterest

Expense2

(excludes amortization of intangible assets)

~$742- $752MM Low end of Range

Amortization of intangible assets ~$60MM

• The Federal Reserve Bank raises the fed

funds rate 25 basis points in December

2026 and term rates remain stable

• Assumes moderate GDP growth and a

stable economy in AUB’s branch footprint

• Expect Virginia, Maryland, and North

Carolina unemployment rate to rise

but remain at or below the national

unemployment rate in 2026

• Assumes continued repurchases of

common stock in Q4 2026

• AOCI volatility clouding TBV outlook

KEY ASSUMPTIONS1

We expect to achieve these financial targets in 2026

1. Medium-term is 2026 to 2027

Medium-Term

Financial

Targets1

19% – 20%

Return on Tangible

Common Equity

1.4% –1.5%

Return on Assets

46% – 48%

Efficiency Ratio (FTE)

KEY FINANCIAL PERFORMANCE OPERATING METRICS BENCHMARKED AGAINST TOP QUARTILE PROXY PEERS

Atlantic Union is committed to achieving top tier financial performance and

providing our shareholders with above average returns on their investment

regardless of the operating environment

Q3 2026

APPENDIX

AUB DIVERSIFIED AND GRANULAR LOAN PORTFOLIO

Figures may not total to 100% due to rounding

Duration and Weighted Average Yield Data is as of or for the three months ended September 30, 2026

Commercial defined as C&I plus owner-occupied commercial real estate and other commercial

1. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in "Appendix - Reconciliation of Non-GAAP Disclosures"

Duration

Q2 2025 Weighted Average Yield (Tax Equivalent)

C&D 6.9%

Owner Occupied

CRE

14.9%

C&I

20.0%

Other Commercial

Commercial 1-4 Family 6.4%

3.4%

Non-Owner

Occupied CRE

24.8%

Multifamily RE

8.1%

Consumer 1-4 Family

10.2%

Revolving 1-4 Family

4.6%

Auto

0.4%

Consumer

0.4%

TOTAL LOAN PORTFOLIO $29.3 BILLION

At September 30, 2026

LOAN PORTFOLIO CHARACTERISTICS

1.3 years

Duration

41%

Commercial

6.22%

Q3 2026 Weighted Average Yield (Tax Equivalent)1

Total Non-Owner Occupied

CRE 24.8%

Owner Occupied CRE 14.9%

Construction and Land

Development 6.9%

Multifamily Real Estate 8.1%

Residential 1-4 Family -

Commercial 3.4%

Other Commercial

(Farmland) 0.1%

All Other Loans 41.8%

AUB CRE PORTFOLIO

At September 30, 2026

CRE BY CLASS

$ I N M I LLI O N S

Total

Outstandings

% of

Total Portfolio

Hotel/Motel B&B $1,232 4.2%

Industrial/Warehouse $1,271 4.3%

Office $1,461 5.0%

Retail $1,943 6.6%

Self Storage $681 2.3%

Senior Living $120 0.4%

Other $567 1.9%

Total Non-Owner Occupied CRE $7,276 24.8%

Owner Occupied CRE $4,356 14.9%

Construction and Land Development $2,025 6.9%

Multifamily Real Estate $2,383 8.1%

Residential 1-4 Family - Commercial $984 3.4%

Other Commercial (Farmland) $40 0.1%

Total CRE $17,064 58.2%

$29.3B

Total Loans

267%

CRE Concentration

Ratio1

1. CRE concentration as a percentage of total capital; Loan balances used are as defined in the Call Report instructions.

Figures may not foot due to rounding.

At September 30, 2026

1. Trailing 4 Quarters Avg NCO/Trailing 4 Quarter Avg Office Portfolio

Figures may not foot due to rounding.

NON-OWNER OCCUPIED OFFICE CRE PORTFOLIO

NON-OWNER OCCUPIED OFFICE

GEOGRAPHICALLY DIVERSE NON PORTFOLIO CREDIT QUALITY -OWNER OCCUPIED OFFICE PORTFOLIO

* DC, Montgomery County, Prince George’s County, Fairfax County, Fairfax City, Falls

Church City, Arlington County, Alexandria City

( $ M I LLI O N S )

Carolinas $329

Western VA $155

Fredericksburg Area $161

Central VA $99

Coastal VA/NC $47

Baltimore $124

DC Metro $443

Other Maryland $49

Eastern VA $15

Other $40

Total $1,461

BY MARKET DC METRO SUBMARKET* KEY PORTFOLIO METRICS

Avg. Office Loan ($ thousands) $2,217

Median Office Loan ($ thousands) $736

Loan Loss Reserve / Office Loans 1.54%

NCOs / Office Loans1 -0.01%

Delinquencies / Office Loans 0.36%

NPL / Office Loans 0.26%

Criticized Loans / Office Loans 8.84%

District of Columbia $61

Suburban Maryland $177

Suburban Virginia $205

Total $443

MULTIFAMILY CRE PORTFOLIO

1. Trailing 4 Quarters Avg NCO/Trailing 4 Quarter Avg Multifamily Portfolio

Figures may not foot due to rounding.

Carolinas $741

Western VA $245

Fredericksburg Area $85

Central VA $321

Coastal VA/NC $219

Baltimore $135

DC Metro $358

Other Maryland $12

Eastern VA $38

Other $227

Total $2,383

At September 30, 2026

* DC, Montgomery County, Prince George’s County, Fairfax County, Fairfax City, Falls

Church City, Arlington County, Alexandria City

BY MARKET

MULTIFAMILY PORTFOLIO CREDIT

GEOGRAPHICALLY DIVERSE MULTIFAMILY PORTFOLIO QUALITY

DC METRO SUBMARKET* KEY PORTFOLIO METRICS

( $ M I LLI O N S )

Avg. Multifamily Loan ($ thousands) $3,788

Median Multifamily Loan ($ thousands) $902

Loan Loss Reserve / Multifamily Loans 1.21%

NCOs / Multifamily Loans1 0.00%

Delinquencies / Multifamily Loans 1.02%

NPL / Multifamily Loans 0.86%

Criticized Loans / Multifamily Loans 12.14%

District of Columbia $242

Suburban Maryland $108

Suburban Virginia $8

Total $358

OVERVIEW OF GOVERNMENT-RELATED LOAN

PORTFOLIO EXPOSURES

$710.4 million 1.09% $3.5 million

Total Amount of Loans Loan Loss Reserve/

Gov Con Loans

Avg. Loan Size

0.00% -0.04% 10.86%

Non-Performing Loans Net Charge-Offs1 Criticized Loans/

Gov Con Loans

1. Trailing 4 Quarters Avg NCO/Trailing 4 Quarter Avg Government Contracting Portfolio

• Government Contracting team has

managed through government

shutdowns and sequestrations in the

past.

• Focus on national security agency and

defense industry contractors.

• Active monitoring of all published

notices of contract terminations or

stop work orders.

KEY METRICS OF GOVERNMENT CONTRACTING PORTFOLIO

As of September 30, 2026

• Comprised primarily of facilities that help fund private equity

group lending to businesses

• The Company’s exposure consists of granular downstream

credits held as collateral with each facility controlled with

specific conservative advance rates and concentration

percentages

• The Company has had no NDFI charge-offs or past due loans in

the preceding four quarters

• All NDFI loans are included in the Other Commercial (Other) loan

class

1 As of September 30, 2026, there were no outstanding balances related to loans to consumer credit intermediaries

AUB NON-DEPOSITORY FINANCIAL INSTITUTION

(“NDFI”)/PRIVATE CREDIT PORTFOLIO

At September 30, 2026

NDFI/PRIVATE CREDIT PORTFOLIO PORTFOLIO CHARACTERISTICS

$ I N M I LLI O N S

Loans to mortgage credit intermediaries

Institutional CRE, Residential Mortgage Warehouse,

Mortgage Servicing Rights ("MSR")

Loans to business credit intermediaries

Wholesale Lender Finance, Business Development

Companies

Other loans to non-depository financial

institutions

All Other (e.g. insurance, broker/dealer)

Loans to consumer credit intermediaries1

Consumer Lender Finance

N D F I / P R I V A T E C R E D I T LO A N T Y P E S

Total of $251.2

NDFI Loan Loss Reserve / Total NDFI Loans 0.82%

NDFI Loans/ Total Loans 0.86%

Average NDFI Loan Size $2.2 million

KEY PORTFOLIO METRICS

$23.6

$150.2

$77.4

ATTRACTIVE CORE DEPOSIT BASE

Cost of deposit data is as of and for the three months ended September 30, 2026, figures may not foot due to rounding

1. Core deposits defined as total deposits less jumbo time deposits and brokered deposits

Non-Interest Bearing

22%

Interest Checking

25%

Money Market

21%

Retail Time

13%

Jumbo Time

Brokered

Savings

DEPOSIT BASE CHARACTERISTICS DEPOSIT COMPOSITION AT SEPTEMBER 30, 2026 — $31.0 BILLION

90%

core deposits1

47%

transactional accounts

2.00%

Q3 2026 cost of deposits

GRANULAR DEPOSIT BASE

CUSTOMER DEPOSIT GRANULARITY

PERIOD END UNINSURED & UNCOLLATERALIZED DEPOSIT

AMOUNTS AND AS A PERCENTAGE OF TOTAL DEPOSITS

( $ M I LLI O N S )

32% 31% 32% 33% 32%

$9,802 $9,551 $9,608

$9,915 $9,785

Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026

$22,000 $22,000 $21,000

$104,000

$120,000 $117,000

$2,100 $2,500 $2,400

$7,500

$8,100 $7,900

Q3 2025 Q2 2026 Q3 2026

Retail Avg. Deposits Acct Size Business Avg. Deposits Acct Size

Retail Accounts - Median Business Accounts - Median

Cash and Cash

Equivalents

(unrestricted)

$681

Unencumbered

Securities

$2,024

FHLB Borrowing

Capacity

$4,899

Fed Funds Lines

$1,388

Discount Window

$1,212

Secondary Sources*

$2,036

AUB LIQUIDITY POSITION

* Includes brokered deposits and other sources of liquidity

Figures may not foot due to rounding

Liquidity

Sources

Total

$12.2

billion

At September 30, 2026

TOTAL LIQUIDITY SOURCES OF

$12.2 BILLION

Liquidity Sources /Uninsured and Uncollateralized

Deposits – 124%

($ MILLIONS)

SECURITIES PORTFOLIO

• Total securities portfolio of $4.6 billion with a

total net unrealized losses of $558.1 million

– 83% of total portfolio book value in

available-for-sale (“AFS”) with net

unrealized losses of $475.0 million

– 17% of total portfolio book value

designated as held-to-maturity with net

unrealized losses of $83.1 million

– 13% floating rate versus 87% fixed rate

• Total effective duration of approximately 4.5

years. Securities portfolio is used defensively

to neutralize overall asset sensitive interest

rate risk profile

• ~27% municipals, ~72% agency MBS/CMOs,

Treasuries and ~1% corporates and other

investments

• Securities to total assets of 12.0% as of

September 30, 2026, down from 12.4% as of

June 30, 2026

$5,151

$4,738

$4,594

3Q 2025 2Q 2026 3Q 2026

4.10% Yield

4.05% Yield

INVESTMENT SECURITIES BALANCES

Total AFS (fair value) and HTM (carrying value)

At September 30, 2026

( $ M I L L I O N S )

RECONCILIATION OF NON-GAAP DISCLOSURES

We have provided supplemental performance measures determined by methods other than in accordance with GAAP. These non-GAAP financial measures

are a supplement to GAAP, which we use to prepare our financial statements, and should not be considered in isolation or as a substitute for comparable

measures calculated in accordance with GAAP. In addition, our non-GAAP financial measures may not be comparable to non-GAAP financial measures of

other companies. We use the non-GAAP financial measures discussed herein in our analysis of our performance. Management believes that these non-GAAP financial measures provide additional understanding of ongoing operations, enhance the comparability of our results of operations with prior periods

and show the effects of significant gains and charges in the periods presented without the impact of items or events that may obscure trends in our

underlying performance or show the potential effects of accumulated other comprehensive income or unrealized losses on held to maturity securities on

our capital.

Due to the impact of completing the Sandy Spring acquisition in the second quarter of 2025 and the acquisition of American National Bankshares in the

second quarter of 2024, we updated our non-GAAP operating measures beginning in the second quarter of 2025 to exclude the CECL Day 1 non-purchased

credit deteriorated (“non-PCD”) loans and reserve for unfunded commitments (“RUC”) provision expense. The CECL Day 1 non-PCD loans and RUC

provision expense is comprised of the initial provision expense on non-PCD loans, which represents the CECL “double count” of the non-PCD credit mark,

and the additional provision for unfunded commitments. The Company does not view the CECL Day 1 non-PCD loans and RUC provision expense as

organic costs to run the Company’s business and believes this updated presentation provides investors with additional information to assist in period-to-period and company-to-company comparisons of operating performance, which will aid investors in analyzing the Company’s performance. Prior period

non-GAAP operating measures presented in this presentation have been recast to conform to this updated presentation.

RECONCILIATION OF NON-GAAP DISCLOSURES

Adjusted operating measures exclude or

include, as applicable, merger-related costs,

FDIC special assessments, legal reserves

associated with our previously disclosed

settlement with the Consumer Financial

Protection Bureau (“CFPB”), strategic cost

savings initiatives (principally composed of

severance charges related to headcount

reductions, costs related to modifying

certain third party vendor contracts, and

charges for exiting certain leases), strategic

branch closing and related facility

consolidation costs (principally composed of

real estate, leases and other asset write

downs, as well as severance and expense

reduction initiatives), the net loss related to

balance sheet repositioning (principally

composed of gains and losses on debt

extinguishment, and charges for exiting

certain leases), deferred tax asset write-down, CECL Day 1 non-PCD loans and RUC

provision expense, loss on debt

extinguishment, gain (loss) on sale of

securities, gain on sale-leaseback

transaction, gain on CRE loan sale, gain on

sale of Dixon, Hubard, Feinour & Brown, Inc.

(“DHFB”), gain on sale of equity interest in

Cary Street Partners (“CSP”), gain on sale of

equity interest in Bearing Insurance Group,

LLC (“Bearing Insurance”), and gain on the

sale of Visa, Inc. Class B common stock. The

Company believes these non-GAAP adjusted

measures provide investors with important

information about the continuing economic

results of the Company’s operations.

ADJUSTED OPERATING EARNINGS & FINANCIAL METRICS

For the three months ended For the nine months ended For the years ended

(Dollars in thousands, except outstanding share and per share

amounts) September 30, 2026 September 30, 2026 2025 2024 2023 2022 2021

Operating Measures

Net Income (GAAP) $ 136,632 $ 419,811 $ 273,715 $ 209,131 $ 201,818 $ 234,510 $ 263,917

Plus: Merger-related costs, net of tax — 6,956 124,590 33,476 2,850 — —

Plus: FDIC special assessment, net of tax — — — 664 2,656 — —

Plus: Legal reserve, net of tax — — — — 6,809 — —

Plus: Strategic cost saving initiatives, net of tax — — — — 9,959 — —

Plus: Strategic branch closing and facility consolidation costs, net

of tax — — — — — 4,351 13,775

Plus: Net loss related to balance sheet repositioning, net of tax — — — — — — 11,609

Plus: Deferred tax asset write-down — — — 4,774 — — —

Plus: CECL Day 1 non-PCD loans and RUC provision expense, net

of tax — — 77,742 11,520 — — —

Plus: Loss on debt extinguishment, net of tax 1,977 1,977 — — — — —

Less: Gain (loss) on sale of securities, net of tax 8 12 (62) (5,129) (32,381) (2) 69

Less: Gain on sale-leaseback transaction, net of tax — — — — 23,367 — —

Less: Gain on CRE loan sale, net of tax — — 8,405 — — — —

Less: Gain on sale of DHFB, net of tax — — — — — 7,984 —

Less: Gain on sale of equity interest in CSP, net of tax — — 10,994 — — — —

Less: Gain on sale of equity interest in Bearing Insurance, net of tax — 24,023 — — — — —

Less: Gain on Visa, Inc. Class B common stock, net of tax — — — — — — 4,058

Adjusted operating earnings (non-GAAP) $ 138,601 $ 404,709 $ 456,710 $ 264,694 $ 233,106 $ 230,879 $ 285,174

Less: Dividends on preferred stock 2,967 8,901 11,868 11,868 11,868 11,868 11,868

Adjusted operating earnings available to common shareholders

(non-GAAP) $ 135,634 $ 395,808 $ 444,842 $ 252,826 $ 221,238 $ 219,011 $ 273,306

Earnings per share (EPS)

Weighted average common shares outstanding, diluted 141,641,618 142,078,792 129,161,421 87,909,237 74,962,363 74,953,398 77,417,801

EPS available to common shareholders, diluted (GAAP) $ 0.94 $ 2.89 $ 2.03 $ 2.24 $ 2.53 $ 2.97 $ 3.26

Adjusted operating EPS available to common shareholders, diluted

(non-GAAP) $ 0.96 $ 2.79 $ 3.44 $ 2.88 $ 2.95 $ 2.92 $ 3.53

RECONCILIATION OF NON-GAAP DISCLOSURES

The Company believes net interest income (FTE),

total revenue (FTE), and total adjusted revenue

(FTE), which are used in computing net interest

margin (FTE) and adjusted operating efficiency

ratio (FTE), provide valuable additional insight into

the net interest margin and the efficiency ratio by

adjusting for differences in tax treatment of

interest income sources. The entire FTE

adjustment is attributable to interest income on

earning assets, which is used in computing the

yield on earning assets. Interest expense and the

related cost of interest-bearing liabilities and cost

of funds ratios are not affected by the FTE

components. The adjusted operating efficiency

ratio (FTE) excludes, as applicable, the

amortization of intangible assets, loss on debt

extinguishment, losses related to balance sheet

repositioning (principally composed of gains and

losses on debt extinguishment), merger-related

costs, FDIC special assessments, strategic cost

savings initiatives (principally composed of

severance charges related to headcount

reductions, costs related to modifying certain third

party vendor contracts, and charges for exiting

certain leases), legal reserves associated with our

previously disclosed settlement with the CFPB,

strategic branch closing and facility consolidation

costs (principally composed of real estate, leases

and other asset write downs, as well as severance

and expense reduction initiatives), gain (loss) on

sale of securities, gain on sale-leaseback

transaction, gain on sale of DHFB, gain on CRE

loan sale, gain on sale of equity interest in CSP,

gain on sale of equity interest in Bearing Insurance,

and gain on sale of Visa, Inc. Class B common

stock. This measure is similar to the measure used

by the Company when analyzing corporate

performance and is also similar to the measure

used for incentive compensation. The Company

believes this adjusted measure provides investors

with important information about the continuing

economic results of the Company’s operations.

ADJUSTED OPERATING EARNINGS & EFFICIENCY RATIO

For the three months ended For the nine months ended For the years ended

(Dollars in thousands) September 30, 2026 September 30, 2026 2025 2024 2023 2022 2021

Operating Efficiency Ratio

Noninterest expense (GAAP) $ 204,333 $ 613,279 $ 895,570 $ 507,534 $ 430,371 $ 403,802 $ 419,195

Less: Amortization of intangible assets 14,946 45,528 59,668 19,307 8,781 10,815 13,904

Less: Loss on debt extinguishment 2,654 2,654 — — — — —

Less: Losses related to balance sheet repositioning — — — — — — 14,695

Less: Merger-related costs — 9,034 157,278 40,018 2,995 — —

Less: FDIC special assessment — — — 840 3,362 — —

Less: Strategic cost saving initiatives — — — — 12,607 — —

Less: Legal reserve — — — — 8,300 — —

Less: Strategic branch closing and facility consolidation costs — — — — — 5,508 17,437

Adjusted operating noninterest expense (non-GAAP) $ 186,733 $ 556,063 $ 678,624 $ 447,369 $ 394,326 $ 387,479 $ 373,159

Noninterest income (GAAP) $ 54,792 $ 199,823 $ 219,436 $ 118,878 $ 90,877 $ 118,523 $ 125,806

Less: Gain (loss) on sale of securities 10 16 (81) (6,493) (40,989) (3) 87

Less: Gain on sale-leaseback transaction — — — — 29,579 — —

Less: Gain on sale of DHFB — — — — — 9,082 —

Less: Gain on CRE loan sale — — 10,915 — — — —

Less: Gain on sale of equity interest in CSP — — 14,757 — — — —

Less: Gain on sale of equity interest in Bearing Insurance — 32,350 — — — — —

Less: Gain on Visa, Inc. Class B common stock — — — — — — 5,137

Adjusted operating noninterest income (non-GAAP) $ 54,782 $ 167,457 $ 193,845 $ 125,371 $ 102,287 $ 109,444 $ 120,582

Net interest income (GAAP) $ 328,422 $ 965,913 $ 1,154,913 $ 698,539 $ 611,013 $ 584,261 $ 551,260

Noninterest income (GAAP) 54,792 199,823 219,436 118,878 90,877 118,523 125,806

Total revenue (GAAP) $ 383,214 $ 1,165,736 $ 1,374,349 $ 817,417 $ 701,890 $ 702,784 $ 677,066

Net interest income (FTE) (non-GAAP) $ 333,115 $ 979,719 $ 1,172,074 $ 713,765 $ 625,923 $ 599,134 $ 563,851

Adjusted operating noninterest income (non-GAAP) 54,782 167,457 193,845 125,371 102,287 109,444 120,582

Total adjusted revenue (FTE) (non-GAAP) $ 387,897 $ 1,147,176 $ 1,365,919 $ 839,136 $ 728,210 $ 708,578 $ 684,433

Efficiency ratio (GAAP) 53.32% 52.61% 65.16% 62.09% 61.32% 57.46% 61.91%

Adjusted operating efficiency ratio (FTE) (non-GAAP) 48.14% 48.47% 49.68% 53.31% 54.15% 54.68% 54.52%

RECONCILIATION OF NON-GAAP DISCLOSURES

Tangible assets and tangible common equity are used

in the calculation of certain profitability, capital, and

per share ratios. The Company believes tangible

assets, tangible common equity and the related ratios

are meaningful measures of capital adequacy

because they provide a meaningful base for period-to-period and company-to-company comparisons, which

the Company believes will assist investors in

assessing the capital of the Company and its ability to

absorb potential losses. The Company believes

tangible common equity is an important indication of

its ability to grow organically and through business

combinations as well as its ability to pay dividends and

to engage in various capital management strategies.

The Company believes that ROTCE is a meaningful

supplement to GAAP financial measures and is useful

to investors because it measures the performance of a

business consistently across time without regard to

whether components of the business were acquired or

developed internally. Adjusted operating measures

exclude or include, as applicable, merger-related

costs, FDIC special assessments, legal reserves

associated with our previously disclosed settlement

with the CFPB, strategic cost savings initiatives

(principally composed of severance charges related to

headcount reductions, costs related to modifying

certain third party vendor contracts and charges for

exiting certain leases), strategic branch closing and

related facility consolidation costs (principally

composed of real estate, leases and other asset write

downs, as well as severance and expense reduction

initiatives), the net loss related to balance sheet

repositioning (principally composed of gains and

losses on debt extinguishment), deferred tax asset

write-down, CECL Day 1 non-PCD loans and RUC

provision expense, loss on debt extinguishment, gain

(loss) on sale of securities, gain on sale-leaseback

transaction, gain on CRE loan sale, gain on sale of

DHFB, gain on sale of equity interest in CSP, gain on

sale of equity interest in Bearing Insurance, and gain

on the sale of Visa, Inc. Class B common stock. The

Company believes these non-GAAP adjusted

measures provide investors with important

information about the continuing economic results of

the Company’s operations.

ADJUSTED OPERATING EARNINGS & FINANCIAL METRICS

For the three months ended For the nine months ended For the years ended

(Dollars in thousands, except per share amounts) September 30, 2026 September 30, 2026 2025 2024 2023 2022 2021

Return on assets (ROA)

Average assets $ 37,975,963 $ 37,557,572 $ 34,380,986 $ 23,862,190 $ 20,512,402 $ 19,949,388 $ 19,977,551

ROA (GAAP) 1.43% 1.49% 0.80% 0.88% 0.98% 1.18% 1.32%

Adjusted operating ROA (non-GAAP) 1.45% 1.44% 1.33% 1.11% 1.14% 1.16% 1.43%

Return on equity (ROE)

Adjusted operating earnings available to common shareholders (non-GAAP) $ 135,634 $ 395,808 $ 444,842 $ 252,826 $ 221,238 $ 219,011 $ 273,306

Plus: Amortization of intangibles, tax effected 11,807 35,967 47,138 15,253 6,937 8,544 10,984

Adjusted operating earnings available to common shareholders

before amortization of intangibles (non-GAAP) $ 147,441 $ 431,775 $ 491,980 $ 268,079 $ 228,175 $ 227,555 $ 284,290

Average equity (GAAP) 5,144,943 5,113,117 4,446,839 2,971,111 2,440,525 2,465,049 2,725,330

Less: Average goodwill 1,754,875 1,747,837 1,592,391 1,139,422 925,211 930,315 935,560

Less: Average amortizable intangibles 277,313 292,312 277,977 73,984 22,951 34,627 49,999

Less: Average perpetual preferred stock 166,356 166,356 166,356 166,356 166,356 166,356 166,356

Average tangible common equity (non-GAAP) $ 2,946,399 $ 2,906,612 $ 2,410,115 $ 1,591,349 $ 1,326,007 $ 1,333,751 $ 1,573,415

ROE (GAAP) 10.54% 10.98% 6.16% 7.04% 8.27% 9.51% 9.68%

Return on tangible common equity (ROTCE)

Net Income available to common shareholders (GAAP) $ 133,665 $ 410,910 $ 261,847 $ 197,263 $ 189,950 $ 222,642 $ 252,049

Plus: Amortization of intangibles, tax effected 11,807 35,967 47,138 15,253 6,937 8,544 10,984

Net Income available to common shareholders before amortization

of intangibles (non-GAAP) $ 145,472 $ 446,877 $ 308,965 $ 212,516 $ 196,887 $ 231,186 $ 263,033

ROTCE (non-GAAP) 19.59% 20.56% 12.82% 13.35% 14.85% 17.33% 16.72%

Adjusted operating ROTCE (non-GAAP) 19.85% 19.86% 20.41% 16.85% 17.21% 17.06% 18.07%

RECONCILIATION OF NON-GAAP DISCLOSURES

Tangible assets and tangible common equity are

used in the calculation of certain profitability,

capital, and per share ratios. The Company

believes tangible assets, tangible common

equity and the related ratios are meaningful

measures of capital adequacy because they

provide a meaningful base for period-to-period

and company-to-company comparisons, which

the Company believes will assist investors in

assessing the capital of the Company and its

ability to absorb potential losses. The Company

believes tangible common equity is an important

indication of its ability to grow organically and

through business combinations, as well as its

ability to pay dividends and to engage in various

capital management strategies. The Company

also calculates adjusted tangible common

equity to tangible assets ratios to exclude AOCI,

which is principally comprised of unrealized

losses on AFS securities, and to include the

impact of unrealized losses on HTM securities.

The Company believes that each of these ratios

enables investors to assess the Company's

capital levels and capital adequacy without the

effects of changes in AOCI, some of which are

uncertain and difficult to predict, or assuming

that the Company realized all previously

unrealized losses on HTM securities at the end of

the period, as applicable.

TANGIBLE ASSETS, TANGIBLE COMMON EQUITY, AND LEVERAGE RATIO

(Dollars in thousands, except per share amounts)

As of September 30, 2026 As of June 30, 2026 As of September 30, 2025

Atlantic Union Atlantic Union Atlantic Union Atlantic Union Atlantic Union

Bankshares Bank Bankshares Bank Bankshares

Tangible Assets

Ending Assets (GAAP) $ 38,351,665 $ 38,265,036 $ 38,099,868 $ 38,016,047 $ 37,072,733

Less: Ending goodwill 1,754,875 1,754,875 1,754,875 1,754,875 1,726,386

Less: Ending amortizable intangibles 270,016 270,016 284,962 284,962 333,236

Ending tangible assets (non-GAAP) $ 36,326,774 $ 36,240,145 $ 36,060,031 $ 35,976,210 $ 35,013,111

Tangible Common Equity

Ending equity (GAAP) $ 5,050,604 $ 5,816,697 $ 5,153,414 $ 5,792,358 $ 4,917,058

Less: Ending goodwill 1,754,875 1,754,875 1,754,875 1,754,875 1,726,386

Less: Ending amortizable intangibles 270,016 270,016 284,962 284,962 333,236

Less: Perpetual preferred stock 166,357 — 166,357 — 166,357

Ending tangible common equity (non-GAAP) $ 2,859,356 $ 3,791,806 $ 2,947,220 $ 3,752,521 $ 2,691,079

Net unrealized losses on HTM securities, net of tax $ (83,080) $ (83,080) $ (29,142) $ (29,142) $ (35,687)

Accumulated other comprehensive loss (AOCI) $ (402,417) $ (402,416) $ (276,793) $ (276,815) $ (283,108)

Common shares outstanding at end of period 140,445,286 141,924,165 141,732,071

Average equity (GAAP) $ 5,144,943 $ 5,840,503 $ 5,125,495 $ 5,771,065 $ 4,866,989

Less: Average goodwill 1,754,875 1,754,875 1,754,875 1,754,875 1,711,081

Less: Average amortizable intangibles 277,313 277,313 292,322 292,322 342,064

Less: Average perpetual preferred stock 166,356 — 166,356 — 166,356

Average tangible common equity (non-GAAP) $ 2,946,399 $ 3,808,315 $ 2,911,942 $ 3,723,868 $ 2,647,488

Book value per common share (GAAP) $ 34.78 $ 35.14 33.52

Tangible book value per common share (non-GAAP) $ 20.36 $ 20.77 18.99

Tangible book value per common share, ex AOCI (non-GAAP) $ 23.22 $ 22.72 20.98

RECONCILIATION OF NON-GAAP DISCLOSURES

Tangible assets and tangible common equity are

used in the calculation of certain profitability,

capital, and per share ratios. The Company

believes tangible assets, tangible common

equity and the related ratios are meaningful

measures of capital adequacy because they

provide a meaningful base for period-to-period

and company-to-company comparisons, which

the Company believes will assist investors in

assessing the capital of the Company and its

ability to absorb potential losses. The Company

believes tangible common equity is an important

indication of its ability to grow organically and

through business combinations, as well as its

ability to pay dividends and to engage in various

capital management strategies. The Company

also calculates adjusted tangible common

equity to tangible assets ratios to exclude AOCI,

which is principally comprised of unrealized

losses on AFS securities, and to include the

impact of unrealized losses on HTM securities.

The Company believes that each of these ratios

enables investors to assess the Company's

capital levels and capital adequacy without the

effects of changes in AOCI, some of which are

uncertain and difficult to predict, or assuming

that the Company realized all previously

unrealized losses on HTM securities at the end of

the period, as applicable.

TANGIBLE ASSETS, TANGIBLE COMMON EQUITY, AND LEVERAGE RATIO

(Dollars in thousands, except per share amounts)

As of September 30, 2026

Atlantic Union Atlantic Union

Bankshares Bank

Common equity to total assets (GAAP) 12.7% 15.2%

Tangible equity to tangible assets (non-GAAP) 8.3% 10.5%

Tangible equity to tangible assets, incl net unrealized losses on HTM securities (non-GAAP) 8.1% 10.2%

Tangible common equity to tangible assets (non-GAAP) 7.9% 10.5%

Tangible common equity to tangible assets, incl net unrealized losses on HTM securities (non-GAAP) 7.6% 10.2%

Tangible common equity to tangible assets, ex AOCI (non-GAAP) 9.0%

Leverage Ratio

Tier 1 capital $ 3,480,605 $ 4,249,060

Total average assets for leverage ratio $ 36,301,615 $ 36,217,022

Leverage ratio 9.6% 11.7%

Leverage ratio, incl AOCI and net unrealized losses on HTM securities (non-GAAP) 8.3% 10.4%

RECONCILIATION OF NON-GAAP DISCLOSURES

All regulatory capital ratios at September 30,

2026 are estimates and subject to change

pending the Company’s filing of its FR Y-9C. In

addition to these regulatory capital ratios, the

Company adjusts certain regulatory capital

ratios to include the impacts of AOCI, which the

Company has elected to exclude from regulatory

capital ratios under applicable regulations, and

net unrealized losses on HTM securities,

assuming that those unrealized losses were

realized at the end of the period, as applicable.

The Company believes that each of these ratios

help investors to assess the Company's

regulatory capital levels and capital adequacy.

RISK-BASED CAPITAL RATIOS

(Dollars in thousands)

As of September 30, 2026

Atlantic Union

Bankshares

Atlantic

Union Bank

Risk-Based Capital Ratios

Net unrealized losses on HTM securities, net of tax $

(83,080) $

(83,080)

Accumulated other comprehensive loss (AOCI) $

(402,417) $

(402,416)

Common equity tier 1 capital $ 3,314,249 $ 4,249,060

Tier 1 capital $ 3,480,605 $ 4,249,060

Total capital $ 4,642,674 $ 4,558,917

Total risk-weighted assets $ 31,897,596 $ 31,814,302

Common equity tier 1 capital ratio 10.4% 13.4%

Common equity tier 1 capital ratio, incl AOCI and net unrealized losses on HTM securities (non-GAAP) 8.9% 11.8%

Tier 1 capital ratio 10.9% 13.4%

Tier 1 capital ratio, incl AOCI and net unrealized losses on HTM securities (non-GAAP) 9.4% 11.8%

Total capital ratio 14.6% 14.3%

Total capital ratio, incl AOCI and net unrealized losses on HTM securities (non-GAAP) 13.0% 12.8%

RECONCILIATION OF NON-GAAP DISCLOSURES

The Company believes net interest

income (FTE), total revenue (FTE),

and total adjusted revenue (FTE),

which are used in computing net

interest margin (FTE), loan yield

(FTE), efficiency ratio (FTE) and

adjusted operating efficiency ratio

(FTE), provide valuable additional

insight into the net interest margin,

loan yield, and the efficiency ratio by

adjusting for differences in tax

treatment of interest income

sources. The entire FTE adjustment

is attributable to interest income on

earning assets, which is used in

computing the yield on earning

assets. Interest expense and the

related cost of interest-bearing

liabilities and cost of funds ratios are

not affected by the FTE components.

NET INTEREST MARGIN, LOAN YIELD, INVESTMENT YIELD AND EARNING ASSET YIELD

(Dollars in thousands)

For the three months ended

September 30, 2026 June 30, 2026

Net interest income (GAAP) $ 328,422 $ 325,118

FTE adjustment 4,693 4,561

Net interest income (FTE) (non-GAAP) $ 333,115 $ 329,679

Noninterest income (GAAP) 54,792 90,248

Total revenue (FTE) (non-GAAP) $ 387,907 $ 419,927

Average earning assets $ 34,091,046 $ 33,544,840

Net interest margin (GAAP) 3.82% 3.89%

Net interest margin (FTE) (non-GAAP) 3.88% 3.94%

Loan interest income (GAAP) $ 451,275 $ 436,309

FTE adjustment 2,336 2,199

Loan interest income (FTE) (non-GAAP) $ 453,611 $ 438,508

Average LHFI $ 28,927,866 $ 28,243,611

Loan yield (GAAP) 6.19% 6.20%

Loan yield (FTE) (non-GAAP) 6.22% 6.23%

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Oct. 27, 2026

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Entity File Number

001-39325

Entity Registrant Name

ATLANTIC UNION BANKSHARES CORPORATION

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Name of the Exchange on which a security is registered.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Trading symbol of an instrument as listed on an exchange.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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