Atlantic Union Bankshares Corporation (AUB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, Atlantic Union Bankshares Corporation (AUB) se destaca como una potencia estratégica, combinando perfectamente los principios bancarios tradicionales con soluciones digitales innovadoras. Al crear meticulosamente un lienzo de modelo de negocio integral que prioriza las necesidades de la comunidad local y el avance tecnológico, AUB se ha posicionado como una institución financiera versátil que ofrece experiencias bancarias personalizadas en Virginia y los estados circundantes. Esta profunda inmersión en su modelo de negocio revela cómo AUB transforma los ecosistemas financieros complejos en servicios simplificados y centrados en el cliente que impulsan el crecimiento sostenible y las conexiones comunitarias significativas.

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y regionales

Atlantic Union Bankshares mantiene asociaciones con las siguientes asociaciones comerciales:

Nombre de la asociación	Ubicación	Estado de membresía
Asociación de Banqueros de Virginia	Richmond, VA	Miembro activo
Alianza comercial del Atlántico Medio	Regional	Socio estratégico

Proveedores de servicios de tecnología financiera (fintech)

Las asociaciones clave de fintech incluyen:

• FISERV - Plataforma de tecnología bancaria central
• Jack Henry & Asociados - Soluciones de banca digital
• Visa - Servicios de procesamiento de pagos

Empresas de seguros e inversiones

Pareja	Tipo de servicio	Duración de la asociación
Seguro nacional	Gestión de patrimonio	Más de 10 años
Raymond James	Servicios de inversión	7 años

Cumplimiento regulatorio y empresas de consultoría

Las asociaciones de cumplimiento incluyen:

• Wolters Kluwer - Software de cumplimiento regulatorio
• KPMG - Servicios de asesoramiento financiero
• Deloitte - Consultoría de gestión de riesgos

Organizaciones de desarrollo comunitario

Organización	Área de enfoque	Contribución anual
Banco federal de préstamos hipotecarios de Atlanta	Vivienda asequible	$ 5.2 millones
Corporaciones de desarrollo comunitario local	Soporte de pequeñas empresas	$ 3.7 millones

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: actividades clave

Servicios de banca comercial y minorista

A partir de 2024, Atlantic Union Bankshares Corporation opera 137 oficinas bancarias en Virginia, Maryland y Carolina del Norte. Los activos totales informaron en $ 20.1 mil millones con depósitos totales de $ 16.7 mil millones.

Categoría de servicio bancario	Volumen total
Préstamos comerciales	$ 8.3 mil millones
Cuentas bancarias minoristas	247,000 cuentas activas
Banca de pequeñas empresas	$ 2.6 mil millones en préstamos pendientes

Originación y procesamiento de préstamos

El volumen anual de origen del préstamo alcanza los $ 4.5 mil millones en varios segmentos de préstamo.

• Volumen de préstamos hipotecarios: $ 1.2 mil millones
• Préstamos inmobiliarios comerciales: $ 2.3 mil millones
• Préstamo al consumidor: $ 980 millones

Aviso de gestión de patrimonio e inversiones

Los activos bajo administración totalizan $ 6.8 mil millones con 42,000 clientes de gestión de patrimonio.

Servicio de gestión de patrimonio	Ganancia
Tarifas de asesoramiento de inversiones	$ 87.4 millones
Servicios de confianza	$ 24.6 millones

Desarrollo de la plataforma de banca digital

La plataforma de banca digital admite 215,000 usuarios en línea activos y 178,000 usuarios de banca móvil.

• Volumen de transacciones de banca móvil: 4.2 millones de transacciones mensuales
• Tasa de apertura de la cuenta en línea: 37% de las cuentas nuevas
• Inversión de plataforma digital: $ 12.3 millones anuales

Gestión de riesgos y análisis financiero

El equipo de gestión de riesgos monitorea la cartera de activos de $ 20.1 mil millones con estrictos protocolos de riesgo de crédito.

Métrica de gestión de riesgos	Estado actual
Relación de préstamos sin rendimiento	0.52%
Reservas de pérdida de préstamos	$ 213 millones
Relación de adecuación de capital	12.4%

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: recursos clave

Red de sucursal extensa

A partir del cuarto trimestre de 2023, opera Atlantic Union Bankshares Corporation 149 oficinas bancarias Principalmente ubicado en Virginia. La distribución geográfica incluye:

Estado	Número de ramas
Virginia	133
Maryland	8
Washington D.C.	4
Carolina del Norte	4

Equipo de gestión financiera

El equipo de liderazgo incluye:

• John C. Altorfer - Presidente y CEO
• Robert M. Gorman - Director Financiero
• Michael J. Chewning - Director bancario

Infraestructura de tecnología de banca digital

Inversiones tecnológicas a partir de 2023:

• $ 42.3 millones Tecnología anual y gasto de infraestructura digital
• Plataforma de banca móvil con Más de 200,000 usuarios digitales activos
• Sistemas avanzados de ciberseguridad que protegen las transacciones de los clientes

Sistemas de gestión de relaciones con el cliente

Métrico CRM	2023 datos
Relaciones totales de los clientes	168,000
Clientes de banca comercial	12,500
Clientes de banca minorista	155,500

Reservas de capital y financieros

Métricas de fortaleza financiera:

• Activos totales: $ 21.4 mil millones (T4 2023)
• Depósitos totales: $ 16.8 mil millones
• Relación de capital de nivel 1: 12.4%
• Relación de capital total basada en el riesgo: 14.2%

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, Atlantic Union Bankshares ofrece soluciones bancarias personalizadas con $ 21.4 mil millones en activos totales y $ 16.3 mil millones en préstamos totales.

Segmento de clientes	Soluciones a medida	Volumen anual
Clientes comerciales	Préstamo comercial	$ 9.7 mil millones
Clientes individuales	Banca personal	$ 6.6 mil millones

Servicios financieros integrales en una plataforma

Atlantic Union ofrece servicios financieros integrados en múltiples canales.

• Mecándose cuentas: 287,000 cuentas activas
• Cuentas de ahorro: 214,000 cuentas activas
• Servicios de inversión: $ 3.2 mil millones en activos administrados
• Préstamo hipotecario: $ 4.5 mil millones en cartera de hipotecas

Enfoque local de toma de decisiones y enfocados en la comunidad

Opera en 5 estados con 130 oficinas bancarias, enfatizando la participación de la comunidad local.

Estado	Número de ramas	Inversión comunitaria
Virginia	89	$ 42 millones
Maryland	15	$ 8.3 millones
Otros estados	26	$ 12.7 millones

Tasas de interés competitivas y productos financieros

Ofrece tarifas competitivas en varios productos financieros.

Producto	Tasa de interés	Comparación de mercado
Ahorros personales	4.25%	0.35% por encima del promedio regional
Préstamos comerciales	7.5%	0.25% por debajo del promedio regional
Tasas hipotecarias	6.75%	0.15% competitivo con el mercado

Experiencia bancaria digital mejorada

Plataforma de banca digital con infraestructura tecnológica robusta.

• Usuarios de banca móvil: 214,000
• Volumen de transacciones en línea: 3.7 millones mensuales
• Tasa de apertura de la cuenta digital: 42% de las cuentas nuevas
• Calificación de aplicaciones móviles: 4.6/5 en tiendas de aplicaciones

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

Atlantic Union Bankshares brinda servicio al cliente personalizado a través de sus 146 sucursales en Virginia, Maryland y Carolina del Norte a partir de 2024.

Métrica de servicio al cliente	Valor
Calificación promedio de satisfacción del cliente	4.3/5
Interacciones anuales de servicio al cliente	1.2 millones
Tasa de retención de clientes	87.5%

Gerentes de relaciones dedicadas para clientes comerciales

El banco ofrece gestión especializada de relaciones para clientes comerciales.

• Gerentes de relaciones bancarias comerciales totales: 78
• Tamaño promedio de la cartera por administrador: $ 42.6 millones
• Canales de soporte dedicados: líneas telefónicas directas, correo electrónico, revisiones comerciales trimestrales

Plataformas de banca de autoservicio digital

Atlantic Union Bankshares ofrece soluciones de banca digital integrales.

Métrica de plataforma digital	Valor
Usuarios de banca móvil	312,000
Usuarios bancarios en línea	487,000
Volumen de transacción digital	$ 3.2 mil millones anualmente

Consultas de asesoramiento financiero regular

Servicios de asesoramiento financiero integral ofrecido en múltiples canales.

• Asesores financieros totales: 62
• Consultas promedio por asesor: 143 anualmente
• Áreas de servicio de asesoramiento: planificación de jubilación, estrategias de inversión, gestión de patrimonio

Programas de participación comunitaria y apoyo local

Fuerte compromiso con el desarrollo y el apoyo de la comunidad local.

Métrica de compromiso de la comunidad	Valor
Inversión comunitaria anual	$ 4.7 millones
Asociaciones locales sin fines de lucro	87
Horario de voluntariado de los empleados	12,400

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2024, Atlantic Union Bankshares Corporation opera 141 oficinas bancarias en Virginia y Maryland. La distribución de la rama es la siguiente:

Estado	Número de ramas
Virginia	129
Maryland	12

Sitio web de banca en línea

La plataforma digital del banco ofrece servicios bancarios en línea completos con las siguientes características:

• Gestión de cuentas
• Servicios de pago de facturas
• Transferencias de fondos
• Depósito de cheque móvil
• Visualización de declaraciones

Aplicación de banca móvil

La aplicación móvil de Atlantic Union Bank se ha descargado más de 250,000 veces, con las siguientes estadísticas clave:

Métrico	Valor
Usuarios móviles activos	185,000
Transacciones móviles mensuales	1.2 millones

Red de cajeros automáticos

El banco proporciona acceso a:

• 141 cajeros automáticos del banco
• Más de 30,000 cajeros automáticos de redes sin recarga
• Retiros gratuitos en Allpoint® ATM Network

Centros de llamadas de servicio al cliente

Atlantic Union Bank mantiene las operaciones del centro de llamadas con las siguientes métricas:

Canal de servicio	Horas de funcionamiento	Volumen de llamadas anual
Apoyo bancario personal	7 am - 10 pm EST	425,000 llamadas
Soporte bancario de negocios	8 am - 6 pm EST	185,000 llamadas

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir de 2024, Atlantic Union Bankshares atiende a aproximadamente 3.500 empresas pequeñas a medianas en Virginia y los estados circundantes.

Segmento de negocios	Total de clientes	Tamaño promedio del préstamo
Micro empresas (1-10 empleados)	1,250	$125,000
Pequeñas empresas (11-50 empleados)	1,750	$475,000
Empresas medianas (51-250 empleados)	500	$1,250,000

Clientes de banca minorista individual

Atlantic Union Bankshares atiende a 280,000 clientes de banca minorista individual en 2024.

• Cuentas corrientes personales: 165,000 clientes
• Cuentas de ahorro personal: 145,000 clientes
• Cuentas de inversión personal: 38,000 clientes

Individuos de alto nivel de red

El banco se dirige a 12,500 personas con valores de alto nivel con activos de más de $ 1 millón.

Segmento de riqueza	Número de clientes	Activos promedio administrados
$ 1-5 millones	9,000	$ 2.3 millones
$ 5-10 millones	2,500	$ 7.1 millones
Más de $ 10 millones	1,000	$ 15.6 millones

Clientes comerciales y corporativos

Atlantic Union Bankshares atiende a 850 clientes comerciales y corporativos en 2024.

• Clientes de banca corporativa: 350
• Clientes de bienes raíces comerciales: 275
• Clientes de gestión del Tesoro Corporativo: 225

Gobierno local y organizaciones sin fines de lucro

El banco atiende a 215 organizaciones de gobierno local y sin fines de lucro en sus regiones operativas.

Tipo de organización	Número de clientes	Ingresos bancarios anuales promedio
Gobiernos locales	85	$750,000
Organizaciones sin fines de lucro	130	$350,000

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del informe anual de 2023, Atlantic Union Bankshares Corporation reportó gastos de compensación total y beneficios de $ 348.2 millones.

Categoría de gastos	Monto ($)
Salarios totales	237,500,000
Beneficios para empleados	110,700,000

Mantenimiento de tecnología e infraestructura

La inversión en infraestructura tecnológica para 2023 totalizó $ 52.4 millones.

• Mantenimiento de la plataforma de banca digital: $ 18.6 millones
• Infraestructura de ciberseguridad: $ 22.1 millones
• Actualizaciones de red y hardware: $ 11.7 millones

Gastos operativos de rama

Los costos operativos de la red de sucursales para 2023 fueron de $ 87.3 millones.

Gasto operativo	Monto ($)
Alquiler y ocupación	41,500,000
Utilidades	12,800,000
Mantenimiento	33,000,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 ascendieron a $ 43.6 millones.

• Sistemas de informes regulatorios: $ 15.2 millones
• Personal de cumplimiento: $ 22.4 millones
• Auditoría externa y consultoría: $ 6 millones

Gastos de marketing y adquisición de clientes

El gasto de marketing para 2023 fue de $ 24.7 millones.

Canal de marketing	Monto ($)
Marketing digital	9,300,000
Medios tradicionales	7,500,000
Programas de adquisición de clientes	7,900,000

Atlantic Union Bankshares Corporation (AUB) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, informó Atlantic Union Bankshares Corporation $ 674.3 millones En ingresos por intereses netos. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Porcentaje
Inmobiliario comercial	$ 8.2 mil millones	42.5%
Comercial e industrial	$ 4.5 mil millones	23.3%
Hipoteca residencial	$ 3.7 mil millones	19.2%
Préstamos al consumo	$ 2.1 mil millones	10.9%

Tarifas de servicio bancario

Cargos de servicio y tarifas generadas $ 87.4 millones en ingresos para 2023, con la siguiente estructura de tarifas:

• Tarifas de mantenimiento de la cuenta: $ 24.6 millones
• Tarifas de sobregiro: $ 18.3 millones
• Tarifas de transacción de cajeros automáticos: $ 12.5 millones
• Tasas de transferencia de cables: $ 9.2 millones
• Otras tarifas de servicios bancarios: $ 22.8 millones

Tarifas de gestión de patrimonio y asesoramiento

Servicios de gestión de patrimonio contribuidos $ 45.2 millones en tarifas de asesoramiento para 2023, con activos bajo administración totalizando $ 6.3 mil millones.

Ingresos de origen hipotecario

Originación de la hipoteca generada $ 52.1 millones en ingresos, con las originaciones de préstamos hipotecarios totales que alcanzan $ 1.2 mil millones en 2023.

Servicios de gestión del tesoro

Servicios de gestión del tesoro producidos $ 33.6 millones en ingresos, sirviendo 2.400 clientes comerciales a través de su red bancaria.

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.