Atlantic Union Bankshares Corp's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), Atlantic Union Bankshares Corp reported net income of $273.7M (+30.9% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and fees on loans | $1.6B | $1.1B | $846.9M | $555.6M |
| Interest on deposits in other banks | $26.1M | $10.8M | $6.1M | $2.6M |
| Taxable | $145.5M | $91.2M | $67.1M | $59.3M |
| Nontaxable | $33.9M | $32.6M | $34.4M | $42.9M |
| Total interest and dividend income | $1.8B | $1.2B | $954.5M | $660.4M |
| Interest on deposits | $615.5M | $483.9M | $296.7M | $56.2M |
| Interest on short-term borrowings | $6.6M | $23.2M | $27.1M | $5.4M |
| Interest on long-term borrowings | $44.4M | $21.9M | $19.6M | $14.6M |
| Total interest expense | $666.6M | $529.0M | $343.4M | $76.2M |
| Net interest income | $1.2B | $698.5M | $611.0M | $584.3M |
| Provision for credit losses | $141.8M | $50.1M | $31.6M | $19.0M |
| Net interest income after provision for credit losses | $1.0B | $648.5M | $579.4M | $565.2M |
| Service charges on deposit accounts | $46.5M | $37.3M | $33.2M | $30.1M |
| Other service charges, commissions and fees | $8.1M | $7.5M | $7.9M | $6.8M |
| Interchange fees | $14.5M | $12.1M | $9.7M | $9.1M |
| Fiduciary and asset management fees | $62.9M | $25.5M | $17.7M | $22.4M |
| Mortgage banking income | $8.7M | $4.2M | $2.7M | $7.1M |
| Loss on sale of securities | ($81.0K) | ($6.5M) | ($41.0M) | — |
| Bank owned life insurance income | $21.0M | $15.6M | $11.8M | $11.5M |
| Loan-related interest rate swap fees | $18.4M | $9.4M | $10.0M | $12.2M |
| Other operating income | $39.5M | $13.7M | $38.9M | $19.4M |
| Total noninterest income | $219.4M | $118.9M | $90.9M | $118.5M |
| Salaries and benefits | $402.1M | $271.2M | $236.7M | $228.9M |
| Occupancy expenses | $48.2M | $30.2M | $25.1M | $26.0M |
| Furniture and equipment expenses | $22.1M | $14.6M | $14.3M | $14.8M |
| Technology and data processing | $61.9M | $37.5M | $32.5M | $33.4M |
| Professional services | $29.3M | $16.8M | $15.5M | $16.7M |
| Marketing and advertising expense | $18.8M | $12.1M | $10.4M | $9.2M |
| FDIC assessment premiums and other insurance | $30.1M | $20.3M | $19.9M | $10.2M |
| Franchise and other taxes | $18.9M | $18.4M | $18.0M | $18.0M |
| Loan-related expenses | $6.7M | $5.5M | $5.6M | $6.6M |
| Amortization of intangible assets | $59.7M | $19.3M | $8.8M | $10.8M |
| Merger-related costs | $157.3M | $40.0M | — | — |
| Other expenses | $40.6M | $21.6M | $43.6M | $29.1M |
| Total noninterest expenses | $895.6M | $507.5M | $430.4M | $403.8M |
| Income before income taxes | $337.0M | $259.8M | $239.9M | $280.0M |
| Income tax expense | $63.3M | $50.7M | $38.1M | $45.4M |
| Net Income | $273.7M | $209.1M | $201.8M | $234.5M |
| Dividends on preferred stock | $11.9M | $11.9M | $11.9M | $11.9M |
| Net income available to common shareholders | $261.8M | $197.3M | $189.9M | $222.6M |
| Basic earnings per common share | $2.03 | $2.29 | $2.53 | $2.97 |
| Diluted earnings per common share | $2.03 | $2.24 | $2.53 | $2.97 |
| Dividends declared per common share | $1.39 | $1.30 | $1.22 | $1.16 |
| Basic weighted average number of common shares outstanding | 128.8M | 86.1M | 75.0M | 74.9M |
| Diluted weighted average number of common shares outstanding | 129.2M | 87.9M | 75.0M | 75.0M |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Interest and fees on loans | $436.8M | $419.6M | $441.9M | $458.8M |
| Interest on deposits in other banks | $2.2M | $2.1M | $12.5M | $5.0M |
| Taxable | $39.0M | $41.0M | $40.6M | $38.3M |
| Nontaxable | $8.9M | $9.0M | $8.4M | $8.4M |
| Total interest and dividend income | $486.8M | $471.7M | $503.4M | $510.4M |
| Interest on deposits | $146.4M | $141.8M | $170.7M | $171.3M |
| Interest on short-term borrowings | $5.3M | $5.2M | $626.0K | $4.1M |
| Interest on long-term borrowings | $9.9M | $12.4M | $12.9M | $13.5M |
| Total interest expense | $161.7M | $159.4M | $184.2M | $189.0M |
| Net interest income | $325.1M | $312.4M | $319.2M | $321.4M |
| Provision for credit losses | $11.7M | $2.7M | $16.2M | $105.7M |
| Net interest income after provision for credit losses | $313.4M | $309.6M | $303.0M | $215.7M |
| Service charges on deposit accounts | $12.3M | $12.1M | $12.8M | $12.2M |
| Other service charges, commissions and fees | $2.3M | $1.9M | $2.3M | $2.2M |
| Interchange fees | $3.8M | $3.3M | $4.1M | $3.8M |
| Fiduciary and asset management fees | $21.5M | $20.2M | $18.6M | $17.7M |
| Mortgage banking income | $2.7M | $2.0M | $2.8M | $2.8M |
| Bank owned life insurance income | $5.7M | $5.2M | $5.1M | $7.3M |
| Loan-related interest rate swap fees | $6.5M | $4.0M | $5.9M | $1.7M |
| Other operating income | $35.6M | $6.0M | $62.0K | $33.7M |
| Total noninterest income | $90.2M | $54.8M | $51.8M | $81.5M |
| Salaries and benefits | $112.3M | $113.4M | $108.3M | $109.9M |
| Occupancy expenses | $12.9M | $13.2M | $13.6M | $12.8M |
| Furniture and equipment expenses | $5.5M | $5.6M | $6.5M | $6.3M |
| Technology and data processing | $16.0M | $15.6M | $17.0M | $17.2M |
| Professional services | $6.2M | $5.8M | $8.8M | $7.8M |
| Marketing and advertising expense | $5.5M | $7.3M | $5.1M | $3.8M |
| FDIC assessment premiums and other insurance | $6.6M | $6.8M | $8.8M | $8.6M |
| Franchise and other taxes | $4.7M | $4.7M | $4.7M | $4.7M |
| Loan-related expenses | $2.7M | $2.9M | $1.9M | $1.3M |
| Amortization of intangible assets | $15.1M | $15.4M | $18.1M | $18.4M |
| Merger-related costs | $0 | $9.0M | $34.8M | $78.9M |
| Other expenses | $11.6M | $10.1M | $10.8M | $9.9M |
| Total noninterest expenses | $199.1M | $209.8M | $238.4M | $279.7M |
| Income before income taxes | $204.5M | $154.6M | $116.3M | $17.5M |
| Income tax expense (benefit) | $43.5M | $32.4M | $24.1M | ($2.3M) |
| Net Income | $161.0M | $122.2M | $92.1M | $19.8M |
| Dividends on preferred stock | $3.0M | $3.0M | $3.0M | $3.0M |
| Net income available to common shareholders | $158.0M | $119.2M | $89.2M | $16.8M |
| Basic earnings per common share | $1.11 | $0.84 | $0.63 | $0.12 |
| Diluted earnings per common share | $1.11 | $0.84 | $0.63 | $0.12 |
| Dividends declared per common share | $0.37 | $0.37 | $0.34 | $0.34 |
| Basic weighted average number of common shares outstanding | 142.1M | 141.9M | 141.7M | 141.7M |
| Diluted weighted average number of common shares outstanding | 142.3M | 142.3M | 142.0M | 141.7M |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks | $234.3M | $196.4M | $196.8M | $216.4M |
| Interest-bearing deposits in other banks | $706.0M | $153.7M | $167.6M | $102.1M |
| Federal funds sold | $26.2M | $3.9M | $13.8M | $1.5M |
| Total cash and cash equivalents | $966.5M | $354.1M | $378.1M | $319.9M |
| Securities available for sale, at fair value | $4.2B | $2.4B | $2.2B | $2.7B |
| Securities held to maturity, at carrying value | $884.2M | $803.9M | $837.4M | $847.7M |
| Restricted stock, at cost | $190.2M | $103.0M | $115.5M | $120.2M |
| Loans held for sale | $18.5M | $9.4M | $6.7M | $3.9M |
| Loans held for investment, net of unearned income | $27.8B | $18.5B | $15.6B | — |
| Less: allowance for loan and lease losses | $295.1M | $178.6M | $132.2M | $110.8M |
| Total loans held for investment, net | $27.5B | $18.3B | $15.5B | $14.3B |
| Premises and equipment, net | $166.8M | $112.7M | $91.0M | $118.2M |
| Goodwill | $1.7B | $1.2B | $925.2M | $925.2M |
| Amortizable intangibles, net | $315.5M | $84.6M | $19.2M | $26.8M |
| Bank owned life insurance | $672.9M | $493.4M | $452.6M | $440.7M |
| Other assets | $942.6M | $676.2M | $606.5M | $578.2M |
| Total assets | $37.6B | $24.6B | $21.2B | $20.5B |
| Noninterest-bearing demand deposits | $6.8B | $4.3B | $4.0B | $4.9B |
| Interest-bearing deposits | $23.6B | $16.1B | $12.9B | $11.0B |
| Total deposits | $30.5B | $20.4B | $16.8B | $15.9B |
| Securities sold under agreements to repurchase | $75.4M | $56.3M | $110.8M | $142.8M |
| Other short-term borrowings | $650.0M | $60.0M | $810.0M | $1.2B |
| Long-term borrowings | $771.9M | $418.3M | $391.0M | $389.9M |
| Other liabilities | $610.4M | $510.2M | $479.9M | $448.0M |
| Total liabilities | $32.6B | $21.4B | $18.6B | $18.1B |
| Preferred stock, $10.00 par value | $173.0K | $173.0K | $173.0K | $173.0K |
| Common stock, $1.33 par value | $188.6M | $118.5M | $99.1M | $98.9M |
| Additional paid-in capital | $3.9B | $2.3B | $1.8B | $1.8B |
| Retained earnings | $1.2B | $1.1B | $1.0B | $919.5M |
| Accumulated other comprehensive loss | ($256.1M) | ($359.7M) | ($343.3M) | ($418.3M) |
| Total stockholders' equity | $5.0B | $3.1B | $2.6B | $2.4B |
| Total liabilities and stockholders' equity | $37.6B | $24.6B | $21.2B | $20.5B |
| Common shares outstanding | 141.8M | 89.8M | 75.0M | 74.7M |
| Common shares authorized | 200.0M | 200.0M | 200.0M | 200.0M |
| Preferred shares outstanding | 17.3K | 17.3K | 17.3K | 17.3K |
| Preferred shares authorized | 500.0K | 500.0K | 500.0K | 500.0K |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $521.6M | $451.4M | $342.5M | $338.0M |
| Interest-bearing deposits in other banks | $452.4M | $321.3M | $447.3M | $1.2B |
| Federal funds sold | $16.3M | $7.5M | $4.9M | $4.4M |
| Total cash and cash equivalents | $990.3M | $780.1M | $794.7M | $1.6B |
| Securities available for sale, at fair value | $3.9B | $4.0B | $4.3B | $3.8B |
| Securities held to maturity, at carrying value | $860.9M | $870.3M | $883.8M | $827.1M |
| Restricted stock, at cost | $204.4M | $177.5M | $159.3M | $140.6M |
| Loans held for sale | $23.1M | $20.8M | $24.8M | $33.0M |
| Loans held for investment, net of unearned income | $28.7B | $27.9B | $27.4B | $27.3B |
| Less: allowance for loan and lease losses | $298.8M | $291.1M | $293.0M | $315.6M |
| Total loans held for investment, net | $28.4B | $27.7B | $27.1B | $27.0B |
| Premises and equipment, net | $163.2M | $162.5M | $168.3M | $164.8M |
| Goodwill | $1.8B | $1.8B | $1.7B | $1.7B |
| Amortizable intangibles, net | $285.0M | $300.1M | $333.2M | $351.4M |
| Bank owned life insurance | $679.5M | $675.8M | $669.1M | $665.5M |
| Other assets | $887.4M | $906.2M | $977.5M | $985.4M |
| Total assets | $38.1B | $37.3B | $37.1B | $37.3B |
| Noninterest-bearing demand deposits | $6.7B | $6.8B | $7.1B | $7.0B |
| Interest-bearing deposits | $23.7B | $23.5B | $23.6B | $23.9B |
| Total deposits | $30.5B | $30.4B | $30.7B | $31.0B |
| Securities sold under agreements to repurchase | $155.7M | $144.6M | $91.6M | $127.4M |
| Other short-term borrowings | $950.0M | $385.0M | $0 | $0 |
| Long-term borrowings | $775.7M | $775.0M | $768.7M | $765.4M |
| Other liabilities | $596.9M | $566.9M | $630.0M | $591.8M |
| Total liabilities | $32.9B | $32.3B | $32.2B | $32.5B |
| Preferred stock, $10.00 par value | $173.0K | $173.0K | $173.0K | $173.0K |
| Common stock, $1.33 par value | $188.8M | $188.9M | $188.5M | $188.5M |
| Additional paid-in capital | $3.9B | $3.9B | $3.9B | $3.9B |
| Retained earnings | $1.4B | $1.3B | $1.1B | $1.1B |
| Accumulated other comprehensive loss | ($276.8M) | ($278.5M) | ($283.1M) | ($320.8M) |
| Total stockholders' equity | $5.2B | $5.1B | $4.9B | $4.8B |
| Total liabilities and stockholders' equity | $38.1B | $37.3B | $37.1B | $37.3B |
| Common shares outstanding | 141.9M | 142.1M | 141.7M | 141.7M |
| Common shares authorized | 200.0M | 200.0M | 200.0M | 200.0M |
| Preferred shares outstanding | 17.3K | 17.3K | 17.3K | 17.3K |
| Preferred shares authorized | 500.0K | 500.0K | 500.0K | 500.0K |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $273.7M | $209.1M | $201.8M | $234.5M |
| Provision for credit losses | $141.8M | $50.1M | $31.6M | $19.0M |
| Depreciation of premises and equipment | $17.7M | $12.8M | $12.9M | $14.2M |
| Amortization, net | $26.3M | $22.6M | $28.0M | $31.3M |
| (Accretion) amortization related to acquisitions, net | ($87.0M) | ($21.3M) | $4.8M | $3.3M |
| Losses on securities sales, net | $81.0K | $6.5M | $41.0M | — |
| Gain on CRE loan sale | ($10.9M) | — | — | — |
| Gain on sale of equity interest | ($14.8M) | — | — | — |
| BOLI income | ($21.0M) | ($15.6M) | ($11.8M) | ($11.5M) |
| Deferred tax expense | $50.2M | $34.1M | $2.2M | $25.1M |
| Writedown of ROU assets, foreclosed properties, equipment, and acquired software | $13.3M | $216.0K | $1.9M | $4.9M |
| Gains on sales of foreclosed properties, former bank premises, and premises and equipment, net | ($232.0K) | ($1.3M) | ($30.4M) | ($3.8M) |
| Originations and purchases | ($403.9M) | ($209.6M) | ($141.1M) | ($305.9M) |
| Proceeds from sales | $2.3B | $209.4M | $138.3M | $321.7M |
| Net decrease (increase) in other assets | $18.8M | ($83.0K) | ($48.4M) | ($39.5M) |
| Net (decrease) increase in other liabilities | ($40.9M) | $11.6M | $21.9M | $108.4M |
| Net cash provided by operating activities | $2.2B | $308.5M | $264.0M | $404.0M |
| Purchases | ($1.7B) | ($627.5M) | ($533.2M) | ($179.7M) |
| Proceeds from sales | $630.1M | $643.0M | $899.9M | $40.7M |
| Proceeds from maturities, calls and paydowns | $628.6M | $268.9M | $178.2M | $331.7M |
| Purchases | ($104.2M) | ($5.9M) | ($13.8M) | ($258.2M) |
| Proceeds from maturities, calls and paydowns | $18.9M | $35.5M | $20.3M | $34.0M |
| Net change in other investments | $5.4M | ($26.0M) | — | — |
| Net increase in LHFI | ($584.0M) | ($644.3M) | ($1.2B) | ($1.2B) |
| Net purchases of premises and equipment | ($12.4M) | ($7.4M) | ($5.1M) | ($2.9M) |
| Proceeds from BOLI settlements | $2.7M | $5.6M | $353.0K | $3.9M |
| Proceeds from sales of foreclosed properties, former bank premises, and premises and equipment | $5.7M | $7.4M | $56.5M | $13.5M |
| Net cash received in acquisition | $270.2M | $55.0M | — | — |
| Net cash used in investing activities | ($797.4M) | ($295.7M) | ($589.2M) | ($1.3B) |
| Non-interest-bearing deposits | ($219.9M) | $162.5M | ($920.1M) | ($324.1M) |
| Interest-bearing deposits | ($930.5M) | $831.2M | $1.8B | ($355.3M) |
| Short-term borrowings | $337.0M | ($902.9M) | ($398.0M) | $1.2B |
| Repayments of long-term debt | ($200.0M) | — | $0 | $0 |
| Issuance for stock options exercised | $0 | $228.0K | $778.0K | $3.9M |
| Forward sale commmon stock issuance | $385.0M | — | — | — |
| Dividends paid | ($192.1M) | ($123.9M) | ($103.3M) | — |
| Vesting of restricted stock, net of shares held for taxes | -7.0M | -4.0M | -2.5M | -3.2M |
| Net cash (used in) provided by financing activities | ($827.6M) | ($36.8M) | $383.4M | $375.2M |
| Increase (decrease) in cash and cash equivalents | $612.4M | ($24.1M) | $58.2M | ($482.6M) |
| Cash, cash equivalents and restricted cash at beginning of the period | $354.1M | $378.1M | $319.9M | $802.5M |
| Cash, cash equivalents and restricted cash at end of the period | $966.5M | $354.1M | $378.1M | $319.9M |
| Interest | $658.2M | $516.5M | $327.0M | $70.7M |
| Income taxes | $4.2M | $3.8M | $19.5M | $1.6M |
| Transfers from loans to foreclosed properties | $1.3M | $375.0K | $0 | $404.0K |
| Transfers from bank premises to other real estate owned | $0 | $8.6M | $139.0K | $4.5M |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $283.2M | $122.2M | $161.7M | $69.6M |
| Provision for credit losses | $14.5M | $2.7M | $139.6M | $123.3M |
| Depreciation of premises and equipment | $9.9M | $4.9M | $12.7M | $7.8M |
| Amortization, net | $14.2M | $6.2M | $21.8M | $13.7M |
| Accretion related to acquisitions, net | ($42.8M) | ($17.8M) | ($58.5M) | ($34.4M) |
| Gain on CRE loan sale | $0 | — | ($10.9M) | ($15.7M) |
| Gain on sale of equity interest | ($32.4M) | — | ($14.3M) | ($14.3M) |
| BOLI income | ($10.9M) | ($5.2M) | ($16.0M) | ($10.9M) |
| Deferred tax expense | $66.3M | — | — | — |
| Originations and purchases | ($204.0M) | ($90.3M) | ($302.1M) | ($184.8M) |
| Proceeds from sales | $198.5M | $87.4M | $2.2B | $2.0B |
| Net decrease in other assets | $1.5M | $50.8M | $43.8M | $5.9M |
| Net decrease in other liabilities | ($20.5M) | ($33.7M) | ($21.0M) | ($40.7M) |
| Net cash provided by operating activities | $277.5M | $127.3M | $2.1B | $2.0B |
| Purchases | ($363.1M) | ($121.4M) | ($1.5B) | ($894.3M) |
| Proceeds from sales | $209.6M | $80.1M | $630.1M | $629.9M |
| Proceeds from maturities, calls and paydowns | $442.8M | $214.3M | $380.6M | $214.2M |
| Purchases | $0 | $0 | ($99.2M) | ($36.6M) |
| Proceeds from maturities, calls and paydowns | $20.8M | $12.7M | $15.6M | $11.0M |
| Net change in other investments | $31.0M | ($9.3M) | $13.5M | $29.2M |
| Net increase in LHFI | ($832.6M) | ($146.6M) | ($191.2M) | ($143.4M) |
| Net purchases of premises and equipment | ($13.4M) | ($7.0M) | ($8.9M) | ($486.0K) |
| Proceeds from BOLI settlements | $1.0M | $492.0K | $2.5M | $2.4M |
| Proceeds from sales of foreclosed properties and former bank premises | $2.0M | $0 | $5.5M | $5.4M |
| Net cash received in acquisition | $0 | — | $270.2M | $270.2M |
| Net cash (used in) provided by investing activities | ($501.9M) | $23.2M | ($470.0M) | $87.4M |
| Non-interest-bearing deposits | ($116.9M) | ($903.0K) | $40.1M | ($24.9M) |
| Interest-bearing deposits | $114.0M | ($79.1M) | ($997.6M) | ($626.5M) |
| Short-term borrowings | $380.2M | ($195.8M) | ($296.8M) | ($261.1M) |
| Repayments of long-term debt | $0 | — | ($200.0M) | ($200.0M) |
| Repurchase of common stock | ($10.0M) | — | — | — |
| Forward sale commmon stock issuance | $0 | — | $385.0M | $385.0M |
| Dividends paid | ($111.9M) | ($55.7M) | ($136.4M) | ($85.0M) |
| Vesting of restricted stock, net of shares held for taxes | -7.2M | -5.3M | -6.6M | -6.3M |
| Net cash provided by (used in) by financing activities | $248.3M | ($336.8M) | ($1.2B) | ($818.8M) |
| Increase in cash and cash equivalents | $23.8M | ($186.3M) | $440.6M | $1.2B |
| Cash, cash equivalents and restricted cash at beginning of the period | $966.5M | $966.5M | $354.1M | $354.1M |
| Cash, cash equivalents and restricted cash at end of the period | $990.3M | $780.1M | $794.7M | $1.6B |
| Interest | $319.7M | $156.4M | $486.2M | $311.5M |
| Income taxes | $7.7M | ($6.2M) | $3.9M | $2.7M |
| Transfers from bank premises to other real estate owned | $6.2M | $6.2M | $0 | — |
| Issuance of common stock in exchange for net assets in acquisitions | $0 | — | $1.3B | $1.3B |
| Assets acquired | $0 | — | $13.0B | $13.0B |
| Liabilities assumed | $0 | — | $12.2B | $12.2B |
Atlantic Union Bankshares Corp score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.