Atlantic Union Bank


1051 East Cary Street, Suite 1200
Richmond, VA 23219
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 3.05% →
1-Year CD N.A. 3.30% →
2-Year CD N.A. 3.56% →
5-Year CD N.A. 3.75% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Atlantic Union Bank is an FDIC insured institution located in Richmond, VA. It was founded in 1997 and has approximately $19.69 billion in assets. Customers can open an account at one of its 174 branches.

FDIC Insured Yes
FDIC Certificate # 34589
Date Established 1997
Assets $ 19.69 billion
Loans $ 13.38 billion
Deposits $ 16.54 billion
Capital $ 2.79 billion

For a more detailed analysis of Atlantic Union Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 26, 2022

Your Current Location: California, CA 92111


Loan Rates - September 26, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for Atlantic Union Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

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Featured - California Home Equity Line Of Credit Rates 2022

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Bethpage Federal Credit Union
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Intro APR 5.740 %
After Intro: 7.000 %
Intro Period: 12 months
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Note to Atlantic Union Bank
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Atlantic Union Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Atlantic Union Bank Locations

Climate Initiatives

Atlantic Union Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Atlantic Union Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Atlantic Union Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Atlantic Union Bank U.S. Bank Average
1.57% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, Atlantic Union Bank had $37,278,000 in non-current loans and $8,254,000 in owned real estate. To cover these potential losses it had $2,794,350,000 in equity and $102,591,000 in loans loss reserves. That gives it a Texas Ratio of 1.57%.

Return on Equity
Atlantic Union Bank U.S. Bank Average
6.55% 9.01%

Atlantic Union Bank has a Return on Equity of 6.55% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Atlantic Union Bank U.S. Bank Average
14.19% 10.66%

Atlantic Union Bank has a Capitalization of 14.19% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Atlantic Union Bank Balance Sheet Analysis

As of March 31, 2022, Atlantic Union Bank had assets of $19,691,345,000, loans of $13,377,985,000, and deposits of $16,544,612,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
Cash & Balances due from depository institutions $ 391.37 million
Interest-bearing balances $ 213.14 million
Total securities $ 3.95 billion
Federal funds sold and reverse repurchase $ 4.94 million
Net loans and leases $ 13.38 billion
Loan loss allowance $ 102.59 million
Trading account assets $ 22.92 million
Bank premises and fixed assets N.A.
Other real estate owned $ 8.25 million
Goodwill and other intangibles $ 975.83 million
All other assets $ 789.04 million
     Total Assets $ 16.90 billion
Total deposits $ 16.54 billion
      Interest-bearing deposits $ 11.12 billion
      Deposits held in domestic offices $ 16.54 billion
      % insured (estimated) 65.75%
Federal funds purchased and repurchase agreements $ 115.03 million
Trading liabilities $ 91.24 million
Other borrowed funds $ 9.18 million
Subordinated debt N.A.
All other liabilities $ 136.93 million
      Total Liabilities $ 16.90 billion
      Shareholders’ Equity $ 2.79 billion

Summary Income Statement

March 31, 2022
Total Interest Income $ 138.29 million
Total Interest Expense $ 4.53 million
Net interest income $ 133.75 million
Provision for loan and lease losses $ 2.80 million
Total non interest income $ 33.32 million
Total non interest expense $ 106.46 million
Pre-tax Net Operating Income $ 57.81 million

Bank Loan Profile?

The top three loan types in Atlantic Union Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Atlantic Union Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.83
Credit Card Loans 0.00
Consumer Auto Loans 3.74
Small Business Loans 6.94
Construction and Development Loans 7.24
Commercial Real Estate 43.98
Commercial and Industrial Loans 18.99
Farm Loans 0.05

Customer Reviews for Atlantic Union Bank

  • June 28, 2021

    CDs 12 Month Rates

    They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice.

  • December 23, 2020

    This the worst bank ever to exist. I wouldn’t recommend anyone here even if it was the last bank on the planet

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