Atlantic Union Bankshares Corporation (AUB): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens sticht die Atlantic Union Bankshares Corporation (AUB) als strategisches Kraftpaket hervor, das traditionelle Bankprinzipien nahtlos mit innovativen digitalen Lösungen verbindet. Durch die sorgfältige Erstellung eines umfassenden Business Model Canvas, das die Bedürfnisse der lokalen Gemeinschaft und den technologischen Fortschritt in den Vordergrund stellt, hat sich AUB als vielseitiges Finanzinstitut positioniert, das personalisierte Bankerlebnisse in ganz Virginia und den umliegenden Bundesstaaten bietet. Dieser tiefe Einblick in ihr Geschäftsmodell zeigt, wie AUB komplexe Finanzökosysteme in optimierte, kundenorientierte Dienste umwandelt, die nachhaltiges Wachstum und sinnvolle Community-Verbindungen fördern.

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Wirtschaftsverbände

Atlantic Union Bankshares unterhält Partnerschaften mit den folgenden Wirtschaftsverbänden:

Vereinsname	Standort	Mitgliedschaftsstatus
Virginia Bankers Association	Richmond, VA	Aktives Mitglied
Mittelatlantische Geschäftsallianz	Regional	Strategischer Partner

Anbieter von Finanztechnologie-Diensten (Fintech).

Zu den wichtigsten Fintech-Partnerschaften gehören:

• Fiserv – Kernbank-Technologieplattform
• Jack Henry & Associates – Digitale Banking-Lösungen
• Visa – Zahlungsabwicklungsdienste

Versicherungs- und Investmentfirmen

Partner	Servicetyp	Dauer der Partnerschaft
Bundesweite Versicherung	Vermögensverwaltung	10+ Jahre
Raymond James	Wertpapierdienstleistungen	7 Jahre

Unternehmen zur Einhaltung gesetzlicher Vorschriften und Beratungsunternehmen

Zu den Compliance-Partnerschaften gehören:

• Wolters Kluwer – Software zur Einhaltung gesetzlicher Vorschriften
• KPMG – Finanzberatungsdienste
• Deloitte – Risikomanagement-Beratung

Gemeinschaftsentwicklungsorganisationen

Organisation	Fokusbereich	Jährlicher Beitrag
Federal Home Loan Bank of Atlanta	Bezahlbarer Wohnraum	5,2 Millionen US-Dollar
Lokale Gemeinschaftsentwicklungsgesellschaften	Unterstützung für kleine Unternehmen	3,7 Millionen US-Dollar

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Ab 2024 betreibt die Atlantic Union Bankshares Corporation 137 Bankbüros in Virginia, Maryland und North Carolina. Die Gesamtaktiva belaufen sich auf 20,1 Milliarden US-Dollar, die Gesamteinlagen auf 16,7 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Gesamtvolumen
Gewerbliche Kredite	8,3 Milliarden US-Dollar
Privatkundenkonten	247.000 aktive Konten
Banking für kleine Unternehmen	Ausstehende Kredite in Höhe von 2,6 Milliarden US-Dollar

Kreditvergabe und -abwicklung

Das jährliche Kreditvergabevolumen erreicht in verschiedenen Kreditsegmenten 4,5 Milliarden US-Dollar.

• Hypothekarkreditvolumen: 1,2 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 2,3 Milliarden US-Dollar
• Verbraucherkredite: 980 Millionen US-Dollar

Vermögensverwaltung und Anlageberatung

Das verwaltete Vermögen beläuft sich auf 6,8 Milliarden US-Dollar bei 42.000 Vermögensverwaltungskunden.

Vermögensverwaltungsdienst	Einnahmen
Anlageberatungsgebühren	87,4 Millionen US-Dollar
Vertrauensdienste	24,6 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Die digitale Banking-Plattform unterstützt 215.000 aktive Online-Benutzer und 178.000 Mobile-Banking-Benutzer.

• Mobile-Banking-Transaktionsvolumen: 4,2 Millionen monatliche Transaktionen
• Online-Kontoeröffnungsrate: 37 % der Neukonten
• Investition in die digitale Plattform: 12,3 Millionen US-Dollar pro Jahr

Risikomanagement und Finanzanalyse

Das Risikomanagementteam überwacht ein Vermögensportfolio von 20,1 Milliarden US-Dollar mit strengen Kreditrisikoprotokollen.

Risikomanagement-Metrik	Aktueller Status
Quote der notleidenden Kredite	0.52%
Rückstellungen für Kreditverluste	213 Millionen Dollar
Kapitaladäquanzquote	12.4%

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Ab dem 4. Quartal 2023 ist die Atlantic Union Bankshares Corporation tätig 149 Bankfilialen hauptsächlich in Virginia ansässig. Die geografische Verteilung umfasst:

Staat	Anzahl der Filialen
Virginia	133
Maryland	8
Washington D.C.	4
North Carolina	4

Finanzmanagement-Team

Zum Führungsteam gehören:

• John C. Altorfer – Präsident und CEO
• Robert M. Gorman – Finanzvorstand
• Michael J. Chewning – Chief Banking Officer

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen ab 2023:

• 42,3 Millionen US-Dollar Jährliche Ausgaben für Technologie und digitale Infrastruktur
• Mobile-Banking-Plattform mit über 200.000 aktive digitale Nutzer
• Fortschrittliche Cybersicherheitssysteme zum Schutz von Kundentransaktionen

Kundenbeziehungsmanagementsysteme

CRM-Metrik	Daten für 2023
Gesamte Kundenbeziehungen	168,000
Geschäftsbankkunden	12,500
Privatkunden	155,500

Kapital- und Finanzreserven

Kennzahlen zur Finanzkraft:

• Gesamtvermögen: 21,4 Milliarden US-Dollar (4. Quartal 2023)
• Gesamteinzahlungen: 16,8 Milliarden US-Dollar
• Kernkapitalquote: 12.4%
• Gesamtrisikokapitalquote: 14.2%

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Mit Stand vom vierten Quartal 2023 bietet Atlantic Union Bankshares personalisierte Banklösungen mit einem Gesamtvermögen von 21,4 Milliarden US-Dollar und einem Gesamtkreditvolumen von 16,3 Milliarden US-Dollar an.

Kundensegment	Maßgeschneiderte Lösungen	Jahresvolumen
Geschäftskunden	Kommerzielle Kreditvergabe	9,7 Milliarden US-Dollar
Einzelne Kunden	Persönliches Banking	6,6 Milliarden US-Dollar

Umfassende Finanzdienstleistungen unter einer Plattform

Atlantic Union bietet integrierte Finanzdienstleistungen über mehrere Kanäle an.

• Girokonten: 287.000 aktive Konten
• Sparkonten: 214.000 aktive Konten
• Investmentdienstleistungen: 3,2 Milliarden US-Dollar verwaltetes Vermögen
• Hypothekendarlehen: Hypothekenportfolio in Höhe von 4,5 Milliarden US-Dollar

Lokale Entscheidungsfindung und gemeinschaftsorientierter Ansatz

Ist in 5 Bundesstaaten mit 130 Bankfilialen tätig und legt Wert auf das Engagement der lokalen Gemeinschaft.

Staat	Anzahl der Filialen	Gemeinschaftsinvestition
Virginia	89	42 Millionen Dollar
Maryland	15	8,3 Millionen US-Dollar
Andere Staaten	26	12,7 Millionen US-Dollar

Wettbewerbsfähige Zinssätze und Finanzprodukte

Bietet wettbewerbsfähige Zinssätze für verschiedene Finanzprodukte.

Produkt	Zinssatz	Marktvergleich
Persönliche Ersparnisse	4.25%	0,35 % über dem regionalen Durchschnitt
Geschäftskredite	7.5%	0,25 % unter dem regionalen Durchschnitt
Hypothekenzinsen	6.75%	0,15 % wettbewerbsfähig mit dem Markt

Verbessertes digitales Banking-Erlebnis

Digitale Bankplattform mit robuster technologischer Infrastruktur.

• Mobile-Banking-Nutzer: 214.000
• Online-Transaktionsvolumen: 3,7 Millionen monatlich
• Eröffnungsrate digitaler Konten: 42 % der Neukonten
• Bewertung der mobilen App: 4,6/5 in den App Stores

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Atlantic Union Bankshares bietet ab 2024 über seine 146 Filialen in Virginia, Maryland und North Carolina personalisierten Kundenservice.

Kundendienstmetrik	Wert
Durchschnittliche Kundenzufriedenheitsbewertung	4.3/5
Jährliche Kundendienstinteraktionen	1,2 Millionen
Kundenbindungsrate	87.5%

Dedizierte Kundenbetreuer für Geschäftskunden

Für gewerbliche Kunden bietet die Bank ein spezialisiertes Relationship Management an.

• Gesamtzahl der Business Banking Relationship Manager: 78
• Durchschnittliche Portfoliogröße pro Manager: 42,6 Millionen US-Dollar
• Dedizierte Supportkanäle: Direkte Telefonleitungen, E-Mail, vierteljährliche Geschäftsberichte

Digitale Self-Service-Banking-Plattformen

Atlantic Union Bankshares bietet umfassende digitale Banklösungen.

Digitale Plattformmetrik	Wert
Mobile-Banking-Benutzer	312,000
Online-Banking-Benutzer	487,000
Digitales Transaktionsvolumen	3,2 Milliarden US-Dollar pro Jahr

Regelmäßige Finanzberatungsgespräche

Umfassende Finanzberatungsleistungen über mehrere Kanäle angeboten.

• Finanzberater insgesamt: 62
• Durchschnittliche Konsultationen pro Berater: 143 pro Jahr
• Beratungsbereiche: Altersvorsorge, Anlagestrategien, Vermögensverwaltung

Community-Engagement und lokale Unterstützungsprogramme

Starkes Engagement für die Entwicklung und Unterstützung der lokalen Gemeinschaft.

Community-Engagement-Metrik	Wert
Jährliche Gemeinschaftsinvestition	4,7 Millionen US-Dollar
Lokale gemeinnützige Partnerschaften	87
Stunden für ehrenamtliche Mitarbeiter	12,400

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 betreibt die Atlantic Union Bankshares Corporation 141 Bankbüros in Virginia und Maryland. Die Filialverteilung ist wie folgt:

Staat	Anzahl der Filialen
Virginia	129
Maryland	12

Online-Banking-Website

Die digitale Plattform der Bank bietet umfassende Online-Banking-Dienstleistungen mit folgenden Funktionen:

• Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Mobile Scheckeinzahlung
• Anzeigen von Erklärungen

Mobile-Banking-Anwendung

Die mobile App der Atlantic Union Bank wurde über 250.000 Mal heruntergeladen, mit den folgenden wichtigen Statistiken:

Metrisch	Wert
Aktive mobile Benutzer	185,000
Monatliche mobile Transaktionen	1,2 Millionen

ATM-Netzwerk

Die Bank bietet Zugang zu:

• 141 bankeigene Geldautomaten
• Über 30.000 gebührenfreie Netzwerk-Geldautomaten
• Kostenlose Abhebungen im Allpoint®-Geldautomatennetzwerk

Kundendienst-Callcenter

Die Atlantic Union Bank betreibt den Callcenter-Betrieb mit den folgenden Kennzahlen:

Servicekanal	Betriebszeiten	Jährliches Anrufvolumen
Persönliche Banking-Unterstützung	7:00–22:00 Uhr EST	425.000 Anrufe
Unterstützung im Business-Banking	8:00–18:00 Uhr EST	185.000 Anrufe

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Ab 2024 betreut Atlantic Union Bankshares etwa 3.500 kleine und mittlere Unternehmen in ganz Virginia und den umliegenden Bundesstaaten.

Geschäftssegment	Gesamtzahl der Kunden	Durchschnittliche Kredithöhe
Kleinstunternehmen (1-10 Mitarbeiter)	1,250	$125,000
Kleine Unternehmen (11-50 Mitarbeiter)	1,750	$475,000
Mittelständische Unternehmen (51-250 Mitarbeiter)	500	$1,250,000

Privatkunden im Privatkundengeschäft

Atlantic Union Bankshares betreut im Jahr 2024 280.000 private Privatkunden.

• Persönliche Girokonten: 165.000 Kunden
• Persönliche Sparkonten: 145.000 Kunden
• Persönliche Anlagekonten: 38.000 Kunden

Vermögende Privatpersonen

Die Bank richtet sich an 12.500 vermögende Privatpersonen mit einem Vermögen von über 1 Million US-Dollar.

Vermögenssegment	Anzahl der Kunden	Durchschnittlich verwaltetes Vermögen
1–5 Millionen US-Dollar	9,000	2,3 Millionen US-Dollar
5–10 Millionen US-Dollar	2,500	7,1 Millionen US-Dollar
Über 10 Millionen US-Dollar	1,000	15,6 Millionen US-Dollar

Gewerbe- und Firmenkunden

Atlantic Union Bankshares betreut im Jahr 2024 850 Geschäfts- und Firmenkunden.

• Firmenkunden: 350
• Gewerbliche Immobilienkunden: 275
• Corporate Treasury Management-Kunden: 225

Kommunalverwaltung und gemeinnützige Organisationen

Die Bank betreut 215 lokale Regierungs- und gemeinnützige Organisationen in ihren Geschäftsregionen.

Organisationstyp	Anzahl der Kunden	Durchschnittlicher jährlicher Bankertrag
Lokale Regierungen	85	$750,000
Gemeinnützige Organisationen	130	$350,000

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Im Jahresbericht 2023 meldete die Atlantic Union Bankshares Corporation einen Gesamtaufwand für Vergütungen und Sozialleistungen in Höhe von 348,2 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Gesamtgehälter	237,500,000
Leistungen an Arbeitnehmer	110,700,000

Wartung von Technologie und Infrastruktur

Die Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 52,4 Millionen US-Dollar.

• Wartung der digitalen Banking-Plattform: 18,6 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 22,1 Millionen US-Dollar
• Netzwerk- und Hardware-Upgrades: 11,7 Millionen US-Dollar

Betriebsausgaben der Zweigstelle

Die Betriebskosten des Filialnetzes beliefen sich im Jahr 2023 auf 87,3 Millionen US-Dollar.

Betriebskosten	Betrag ($)
Miete und Belegung	41,500,000
Dienstprogramme	12,800,000
Wartung	33,000,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 43,6 Millionen US-Dollar.

• Regulatorische Meldesysteme: 15,2 Millionen US-Dollar
• Compliance-Personal: 22,4 Millionen US-Dollar
• Externe Prüfung und Beratung: 6 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 24,7 Millionen US-Dollar.

Marketingkanal	Betrag ($)
Digitales Marketing	9,300,000
Traditionelle Medien	7,500,000
Kundengewinnungsprogramme	7,900,000

Atlantic Union Bankshares Corporation (AUB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 berichtete die Atlantic Union Bankshares Corporation 674,3 Millionen US-Dollar im Zinsüberschuss. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Prozentsatz
Gewerbeimmobilien	8,2 Milliarden US-Dollar	42.5%
Kommerziell und industriell	4,5 Milliarden US-Dollar	23.3%
Wohnhypothek	3,7 Milliarden US-Dollar	19.2%
Verbraucherkredite	2,1 Milliarden US-Dollar	10.9%

Gebühren für Bankdienstleistungen

Es entstehen Servicegebühren und Gebühren 87,4 Millionen US-Dollar Umsatz für 2023, mit folgender Gebührenstruktur:

• Kontoführungsgebühren: 24,6 Millionen US-Dollar
• Überziehungsgebühren: 18,3 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 12,5 Millionen US-Dollar
• Überweisungsgebühren: 9,2 Millionen US-Dollar
• Gebühren für andere Bankdienstleistungen: 22,8 Millionen US-Dollar

Vermögensverwaltungs- und Beratungsgebühren

Vermögensverwaltungsdienstleistungen leisteten einen Beitrag 45,2 Millionen US-Dollar an Beratungsgebühren für 2023, bei einem verwalteten Vermögen von insgesamt 6,3 Milliarden US-Dollar.

Einnahmen aus der Hypothekenvergabe

Hypothekenvergabe generiert 52,1 Millionen US-Dollar bei den Einnahmen, wobei die Gesamtzahl der Hypothekendarlehen bei erreichte 1,2 Milliarden US-Dollar im Jahr 2023.

Treasury-Management-Dienstleistungen

Treasury-Management-Dienstleistungen erbracht 33,6 Millionen US-Dollar in Einnahmen, Dienst 2.400 Gewerbekunden über ihr Bankennetzwerk.

Atlantic Union Bankshares Corporation (AUB) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose Atlantic Union Bankshares Corporation over competitors, especially after the major integration this year. It's about scale meeting local focus.

Full-service, diversified financial solutions for commercial and retail clients

Atlantic Union Bankshares Corporation provides a full suite of financial services, moving beyond basic retail offerings to serve commercial needs comprehensively. This diversification is evident in the composition of its loan book, which is heavily weighted toward commercial lending as of mid-2025.

The loan portfolio mix as of the end of Q2 2025 showed a significant commercial concentration:

Loan Segment	Percentage of Total Loans (Q2 2025)
Commercial Real Estate (Total)	60.4 %
Non-Owner-Occupied Commercial Real Estate	Over a quarter of total loans
Commercial and Industrial Loans	18.8 %
Owner-Occupied Commercial Real Estate	14.4 %

The bank's total assets stood at $37.1 billion as of September 30, 2025, showing the scale achieved through recent inorganic growth.

Premier regional bank status in the Mid-Atlantic post-merger

The acquisition of Sandy Spring Bancorp, Inc. on April 1, 2025, was a transformative event, positioning Atlantic Union Bankshares Corporation as the largest regional bank headquartered in the lower Mid-Atlantic. This merger added approximately $13 billion in assets, creating a combined entity with substantial scale across its operating footprint.

Key indicators of this premier status as of Q3 2025 include:

• Total Assets: $37.1 billion as of September 30, 2025.
• Geographic Footprint: Operations throughout Virginia, Maryland, and a growing presence in North Carolina.
• Peer Performance: Achieved an adjusted operating return on tangible common equity of 20.1% in Q3 2025.

The bank is committed to generating sustainable, profitable growth, prioritizing soundness first.

Relationship-based model with local market expertise and advocacy

Atlantic Union Bankshares Corporation emphasizes a differentiated client experience, aiming to be a responsive alternative to larger national banks. This relationship focus is supported by local market expertise across its operating states.

The commitment to the client base is reflected in its core values, which include being:

• Caring: Acting with kindness, respect, and genuine concern for others.
• Committed: Driven to help clients and company succeed, doing what is right.
• Courageous: Speaking openly and honestly.

The bank is actively investing in its physical presence to support this model, planning to open 10 new branches in North Carolina markets like Raleigh and Wilmington over the next three years, alongside 49 off-site ATMs.

Comprehensive wealth management, equipment finance, and insurance products

The offering extends beyond traditional lending and deposits to include specialized financial services through its affiliates. This comprehensive approach is a key part of serving both commercial and retail clients holistically.

The revenue mix in Q3 2025 shows the contribution from these non-lending activities:

Income Component (Q3 2025)	Amount
Net Interest Income	$319.2 million
Adjusted Operating Noninterest Income	$56.6 million
Total Noninterest Income (Reported)	About $51.8 million

The growth in noninterest income helps diversify the top line, which was reported at $375.38 million in revenue for Q3 2025.

Commitment to a frictionless experience by integrating human and digital channels

A core part of the post-merger strategy involves integrating the capabilities gained from the Sandy Spring acquisition to enhance client experience. This means blending the relationship focus with efficient digital tools.

Tangible results of operational efficiency and integration include:

• Adjusted Operating Efficiency Ratio: Improved to 48.8% in Q3 2025.
• Integration Success: Successfully completed the integration of Sandy Spring, expanding capabilities in interest rate hedging and treasury management.
• Cost Management: Noninterest expense decreased by $41.3 million from the prior quarter, largely due to a decrease in merger-related costs.

The bank is focused on delivering organic growth, directing consumer efforts to market segments and delivery channels with the strongest value proposition. Finance: draft 13-week cash view by Friday.

Atlantic Union Bankshares Corporation (AUB) - Canvas Business Model: Customer Relationships

You're managing a regional bank that just completed a major merger, so keeping customers engaged and feeling valued is the absolute top priority right now. Atlantic Union Bankshares Corporation focuses on a relationship-centric approach across its expanded footprint spanning Virginia, Maryland, and North Carolina.

Dedicated Relationship Managers for small to mid-sized businesses

Atlantic Union Bank provides every business, big or small, with a customized banking experience through its Relationship Managers. This high-touch service is designed to help each business owner start, grow, protect, and manage their financial needs. This focus supports the overall balance sheet, where Loans Held for Investment, net of deferred fees and costs, were reported at approximately $18.234 billion in the first quarter of 2025, following the American National acquisition. The pro forma loan portfolio, including the Sandy Spring integration as of March 31, 2025, stood at $29.9 billion.

Personalized banking solutions for individual consumers

For individual consumers, the relationship model is about being the hometown bank everyone depends on, which is supported by a significant physical presence. Following the April 1, 2025 merger with Sandy Spring, Atlantic Union Bankshares Corporation has a pro forma network of 183 Branches across its operating MSAs (Metropolitan Statistical Areas). Total deposits at March 31, 2025, were $20.5 billion, with pro forma deposits reaching $31.7 billion. This scale allows for localized service delivery while offering the product depth of a larger regional player.

High-touch advisory services for high net-worth wealth clients

The Wealth Management division is dedicated to helping clients reach long-term financial goals through personalized strategies. Services offered include asset management, wealth banking, and trust and estate services, tailored to meet unique needs. While specific Assets Under Management (AUM) for late 2025 aren't public, the bank's overall scale-with Total Assets reaching $37.28 Billion USD as of June 2025-provides the capital base to support sophisticated advisory services for high-net-worth individuals and institutional clients like nonprofits and foundations.

Community-focused engagement and corporate social responsibility (CSR) initiatives

Atlantic Union Bankshares Corporation emphasizes making a positive impact in the communities it serves, guided by values like Caring, Courageous, and Committed. This commitment is demonstrated through tangible actions by its teammates. In 2024, teammates contributed 12,942 volunteer hours to causes they are passionate about. The bank's footprint now covers Virginia, Maryland, and North Carolina, requiring dedication to each community's unique needs.

• Support inclusion, diversity, and equity in all operations.
• Focus on being a responsible corporation making a positive impact.
• Offer specialized services through affiliates like Union Insurance Group, LLC.

Self-service digital tools to complement human interaction

To balance the high-touch service, Atlantic Union Bankshares Corporation is investing in digital capabilities to ensure seamless customer journeys. The company noted an expense increase in Q1 2025 primarily driven by an upgrade to the consumer online banking system. Industry-wide, a significant majority of consumers-77 percent-prefer to manage their bank accounts through a mobile app or computer, with millennials leading digital preference at 80 percent. Atlantic Union Bankshares Corporation must ensure its digital tools keep pace with this expectation while maintaining the relationship advantage.

Here's a quick look at the scale of the combined franchise as of early 2025:

Metric	Value (As of Q1/Pro Forma March 31, 2025)	Source Data Point
Total Assets	$38.4 billion (Pro Forma)	Pro Forma Assets as of March 31, 2025
Total Deposits	$31.7 billion (Pro Forma)	Pro Forma Deposits as of March 31, 2025
Loans Held for Investment (Net)	$29.9 billion (Pro Forma)	Pro Forma Loans as of March 31, 2025
Total Branches	183 (Pro Forma)	Atlantic Union (130) + Sandy Spring (53)
Q3 2025 Revenue	$375.4 million	Q3 2025 Sales

The bank's Adjusted Operating Return on Tangible Common Equity (ROTCE) for Q3 2025 was 20.09%, showing that the relationship strategy is translating into strong core performance.

Finance: draft 13-week cash view by Friday.

Atlantic Union Bankshares Corporation (AUB) - Canvas Business Model: Channels

You're looking at how Atlantic Union Bankshares Corporation gets its value proposition into the hands of its customers across its footprint. The channel strategy here is a mix of traditional brick-and-mortar presence, robust digital tools, and specialized, direct-touch services from its affiliates.

The core physical network remains significant, though it has seen recent expansion and integration. As of December 31, 2024, Atlantic Union Bank operated 129 branches across Virginia, Maryland, and North Carolina. Following the completion of the Sandy Spring Bank integration around October 14, 2025, the network footprint has expanded, with recent announcements also noting a presence in Washington D.C. The bank has a stated plan to add 10 new branches in North Carolina over the next three years, signaling continued investment in physical reach in key growth markets.

For day-to-day banking, self-service is key. Atlantic Union Bankshares Corporation heavily relies on its digital channels. These include online banking portals and mobile applications designed for self-service transactions, which is standard for a bank of this size in late 2025. The ATM network provides essential cash access points, reported at approximately 150 machines as of December 2024.

Here's a quick snapshot of the primary access points:

• Geographic Reach: Virginia, Maryland, North Carolina, and Washington D.C.
• Physical Locations: 129 branches as of December 31, 2024.
• Cash Access: Approximately 150 ATMs as of late 2024.
• Digital Access: Online and mobile banking platforms for self-service.

The specialized non-bank affiliates act as distinct, targeted channels for specific financial needs, often requiring a direct sales approach. These entities allow Atlantic Union Bankshares Corporation to cross-sell complex products beyond standard retail and commercial deposits and loans. The direct sales force is crucial here, especially for higher-value commercial relationships and wealth management clients.

The specialized affiliates serve as dedicated channels for non-core banking services:

Affiliate Channel	Primary Service Offered	Data Point/Focus
Atlantic Union Equipment Finance, Inc.	Equipment financing	Specialty finance division focus.
Atlantic Union Financial Consultants, LLC	Brokerage services	Investment advisory services.
Union Insurance Group, LLC	Insurance products	Various lines of insurance.

The direct sales force is the channel for relationship-driven business, focusing on commercial lending and wealth management. This team is tasked with originating the more complex revenue streams, such as those supported by the asset-based lending efforts, which can involve loan commitments from $5 million to $30 million. Honestly, for large commercial deals, you won't close that without a dedicated relationship manager on the ground.

Atlantic Union Bankshares Corporation (AUB) - Canvas Business Model: Customer Segments

Atlantic Union Bankshares Corporation serves a diverse set of clients across its expanded Mid-Atlantic footprint.

Wholesale Banking: Commercial Real Estate (CRE) and Commercial & Industrial (C&I) customers

The commercial lending segment is a core focus, with Commercial & Industrial (C&I) loans representing approximately 35% of total Loans Held for Investment (LHFI) as of the third quarter of 2025. Atlantic Union Bankshares Corporation executed a strategic sale of approximately $2.0 billion of Commercial Real Estate (CRE) loans at the end of the second quarter of 2025. Total Loans Held for Investment (LHFI) stood at $27.3 billion at June 30, 2025, with projections for year-end 2025 in the range of $28.0-29.0 billion. The allowance for credit losses (ALCL) as a percentage of total LHFI was 1.13% at March 31, 2025. The company reported nonperforming assets (NPAs) as a percentage of total LHFI at 0.49% as of September 30, 2025, which included nonaccrual loans of $131.2 million.

Consumer Banking: Individual consumers seeking personal loans and deposits

The consumer base is supported by a significantly expanded deposit base following the April 2025 acquisition of Sandy Spring Bancorp, Inc. Total deposits reached $31.0 billion at June 30, 2025, marking an increase of $11.0 billion or 54.9% from June 30, 2024. Projections for total deposits by the end of 2025 were set between $31.0-32.0 billion. At one point in 2025, noninterest-bearing demand deposits totaled $7.104 billion, while interest-bearing deposits were around $23.6 billion in the third quarter of 2025. The company closed five branches as part of streamlining operations after the merger.

Wealth Management Clients: High net-worth individuals and families

Atlantic Union Bankshares Corporation serves this segment through its non-bank financial services affiliate, Atlantic Union Financial Consultants, LLC, which provides brokerage services. The company also has Atlantic Union Equipment Finance, Inc., for equipment financing.

Small to Mid-Sized Businesses in the Mid-Atlantic region

This segment is served across the bank's operational footprint, which includes Virginia, Maryland, and North Carolina. The C&I loan concentration of approximately 35% of total loans is a direct indicator of the focus on this business customer base. The bank views its core deposit franchise as entrenched and durable, with a 9% market share in Virginia and a 6% market share in Maryland.

Institutional investors and shareholders

The capital structure and performance metrics are key for this segment. Total assets for Atlantic Union Bankshares Corporation stood at $37.1 billion as of the third quarter of 2025. The Common Equity Tier 1 (CET1) ratio was reported at 9.92% at September 30, 2025. For the third quarter of 2025, the bank reported adjusted operating earnings available to common shareholders of $119.7 million, or $0.84 per common share. The company offered a dividend of $0.34 per common share in the first quarter of 2025.

Here is a look at the scale of the balance sheet supporting these customer segments as of mid-2025:

Metric	Value at June 30, 2025	Value at March 31, 2025
Total Assets	$37.1 billion	Not explicitly stated for total assets
Total Deposits	$31.0 billion	$20.5 billion
Loans Held for Investment (LHFI)	$27.3 billion	Not explicitly stated for total LHFI
Total Investments	$4.8 billion	$3.4 billion

The geographic reach directly defines the primary market for all customer segments:

• Operates branches and ATMs throughout Virginia.
• Expanded presence in Maryland via the April 2025 acquisition.
• Growing presence in North Carolina.

Atlantic Union Bankshares Corporation (AUB) - Canvas Business Model: Cost Structure

You're looking at the cost side of Atlantic Union Bankshares Corporation's (AUB) business model as of late 2025, right after they wrapped up the major Sandy Spring integration. It's a cost structure heavily influenced by that transformation, so you'll see some big, lumpy items mixed with the day-to-day running costs of a larger regional bank.

The most immediate, non-recurring cost you see is the impact from the merger activity. For the third quarter of 2025, Atlantic Union Bankshares Corporation reported significant merger-related costs, which totaled $26.9 million net of tax. That figure really shows the expense of combining systems, closing overlapping branches, and handling severance packages. Over the first nine months of 2025, those net-of-tax merger costs hit $94.8 million, reflecting the heavy lifting done post-acquisition.

Personnel expenses are definitely a major component, given the larger employee base post-merger. While we don't have the exact personnel line item broken out separately here, we can look at the overall operating expense guidance. Management noted that the adjusted noninterest expense run rate heading into 2026 should stabilize around $183-$188 million per quarter. This figure bundles compensation, benefits, and technology upgrades, so it's a good proxy for your core operating costs, excluding interest expense.

Interest expense, the cost of funding the balance sheet, is another critical driver. As of September 30, 2025, total deposits stood at $30.7 billion. The cost of those deposits fell slightly quarter-over-quarter to 2.18% in Q3 2025. Overall, the cost of funds for Atlantic Union Bankshares Corporation was 2.17% in the third quarter of 2025. Keeping funding costs low is key to margin defense, especially as purchase accounting accretion income naturally declines.

Technology and systems costs are embedded within those merger expenses, specifically mentioned as including system conversion costs related to the Sandy Spring acquisition. You know these banks spend heavily to get everyone onto one core platform; that's where you see those large, one-time technology charges hit the P&L.

The overall picture of cost control is reflected in the efficiency ratio. For Q3 2025, Atlantic Union Bankshares Corporation achieved an Adjusted Operating Efficiency Ratio of 48.79%. That number tells you how much it costs to generate a dollar of revenue, and it's a key metric showing the scale benefits they expect from the Sandy Spring deal are starting to materialize. The company is targeting a mid-40s efficiency ratio going forward, which means they are aiming to get even leaner.

Here's a quick look at those key operational cost and efficiency metrics from the third quarter of 2025:

Metric	Value	Period
Adjusted Operating Efficiency Ratio	48.79%	Q3 2025
Merger-Related Costs (Net of Tax)	$26.9 million	Q3 2025
Projected Adjusted Noninterest Expense Run Rate	$183-$188 million	Q4 2025 (Guidance)
Cost of Funds	2.17%	Q3 2025
Total Deposits	$30.7 billion	September 30, 2025

You can see the main cost drivers break down like this:

• Integration & One-Time Costs: Primarily the $26.9 million net of tax in Q3 2025 from the Sandy Spring merger.
• Personnel & Overhead: Reflected in the projected quarterly run rate of $183-$188 million for adjusted noninterest expense.
• Funding Costs: Interest paid on the $30.7 billion in deposits, running at a 2.17% cost of funds.
• Technology Spend: Included in merger costs, covering system conversion and IT integration efforts.

Finance: draft 13-week cash view by Friday.

Atlantic Union Bankshares Corporation (AUB) - Canvas Business Model: Revenue Streams

You're looking at the core ways Atlantic Union Bankshares Corporation brings in money as of late 2025, especially following the big Sandy Spring Bancorp acquisition. The revenue picture is heavily weighted toward traditional banking activities, but the scale has definitely shifted.

The primary driver remains the spread between what Atlantic Union Bankshares Corporation earns on its assets and what it pays out on its liabilities. Net Interest Income (NII) is the bedrock here. For the first quarter of 2025, the reported NII from loans and investments was $184.2 million. This figure showed a slight sequential increase from the fourth quarter of 2024.

To get a sense of the full-year picture, analysts project the full-year 2025 consensus revenue for Atlantic Union Bankshares Corporation to hit approximately $1.54 billion. The Trailing Twelve Months (TTM) revenue as of September 2025 was reported at $1.21 billion, showing significant growth. For context, the Q3 2025 revenue was reported at $375.4 million.

Historically, over the last five years, Net Interest Income has made up about 83.7% of Atlantic Union Bankshares Corporation's total revenue, which tells you they barely rely on non-interest income for their overall growth. Still, that non-interest piece is important for diversification.

Here's a breakdown of the key revenue components based on the latest available segment data from Q1 2025 and other recent figures:

Revenue Component	Latest Reported Amount	Period/Context
Net Interest Income (NII)	$184.2 million	Q1 2025
Net Interest Income (NII)	$319.2 million	Q3 2025
Total Revenue (Reported Sales)	$375.4 million	Q3 2025
Total Revenue (TTM)	$1.21 Billion USD	As of Sep 2025
Projected Full-Year 2025 Revenue	$1.54 billion	Consensus Estimate

Non-interest income, which covers service charges and fees, is generated across the operating segments. For the first quarter of 2025, you can see the contribution from the two main banking segments:

• Consumer Banking Segment Noninterest Income: $14.63 million for the three months ended March 31, 2025.
• Wholesale Banking Segment Noninterest Income: $11.80 million for the three months ended March 31, 2025.

Atlantic Union Bankshares Corporation also generates revenue through wealth management, brokerage, and trust services, which fall under the broader non-interest income category. Furthermore, the business model includes revenue from non-bank affiliates offering services like equipment financing and insurance. The company is a full-service regional bank offering these comprehensive solutions for individuals and businesses.

If you're mapping out the canvas, remember that the Q1 2025 NII of $184.2 million was slightly up from the prior quarter, but the Net Interest Margin (NIM) was reported at 3.38% then, though it improved to 3.45% later in Q1. By Q3 2025, the NIM had reached 3.8%. Finance: draft 13-week cash view by Friday.