Atlantic Union Bankshares Corporation (AUB): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, Atlantic Union Bankshares Corporation (AUB) se distingue comme une puissance stratégique, mélangeant de manière transparente les principes bancaires traditionnels avec des solutions numériques innovantes. En élaborant méticuleusement une toile complète du modèle commercial qui priorise les besoins de la communauté locale et le progrès technologique, Aub s'est positionné comme une institution financière polyvalente qui offre des expériences bancaires personnalisées à travers la Virginie et les États environnants. Cette plongée profonde dans leur modèle commercial révèle comment AuB transforme les écosystèmes financiers complexes en services rationalisés et centrés sur le client qui stimulent une croissance durable et des connexions communautaires significatives.

Atlantic Union Bankshares Corporation (AUB) - Modèle commercial: partenariats clés

Associations commerciales locales et régionales

Atlantic Union Bankshares maintient des partenariats avec les associations commerciales suivantes:

Nom d'association	Emplacement	Statut d'adhésion
Virginia Bankers Association	Richmond, VA	Membre actif
Alliance commerciale Mid-Atlantic	Régional	Partenaire stratégique

Provideurs de services de technologie financière (FinTech)

Les principaux partenariats fintech comprennent:

• Fiserv - plateforme de technologie bancaire de base
• Jack Henry & Associés - Solutions bancaires numériques
• Visa - Services de traitement des paiements

Sociétés d'assurance et d'investissement

Partenaire	Type de service	Durée du partenariat
Assurance à l'échelle nationale	Gestion de la richesse	Plus de 10 ans
Raymond James	Services d'investissement	7 ans

Compliance réglementaire et sociétés de conseil

Les partenariats de conformité comprennent:

• Wolters Kluwer - logiciel de conformité réglementaire
• KPMG - Services de conseil financier
• Deloitte - Risk Management Consulting

Organisations de développement communautaire

Organisation	Domaine de mise au point	Contribution annuelle
Banque fédérale sur les prêts immobiliers d'Atlanta	Logement abordable	5,2 millions de dollars
Sociétés de développement communautaire locales	Soutien aux petites entreprises	3,7 millions de dollars

Atlantic Union Bankshares Corporation (AUB) - Modèle d'entreprise: activités clés

Services bancaires commerciaux et de détail

En 2024, Atlantic Union Bankshares Corporation exploite 137 bureaux bancaires à travers Virginia, le Maryland et la Caroline du Nord. Le total des actifs déclarés à 20,1 milliards de dollars avec des dépôts totaux de 16,7 milliards de dollars.

Catégorie de service bancaire	Volume total
Prêts commerciaux	8,3 milliards de dollars
Comptes bancaires de détail	247 000 comptes actifs
Banque des petites entreprises	2,6 milliards de dollars en prêts en cours

Origination et traitement du prêt

Le volume annuel du prêt de prêt atteint 4,5 milliards de dollars dans divers segments de prêt.

• Volume de prêt hypothécaire: 1,2 milliard de dollars
• Prêts immobiliers commerciaux: 2,3 milliards de dollars
• Prêts aux consommateurs: 980 millions de dollars

Advisory de gestion de la patrimoine et d'investissement

Les actifs sous gestion totalisent 6,8 milliards de dollars avec 42 000 clients de gestion de patrimoine.

Service de gestion de patrimoine	Revenu
Frais de conseil en investissement	87,4 millions de dollars
Services de confiance	24,6 millions de dollars

Développement de la plate-forme bancaire numérique

La plate-forme bancaire numérique prend en charge 215 000 utilisateurs en ligne actifs et 178 000 utilisateurs de banque mobile.

• Volume de transactions bancaires mobiles: 4,2 millions de transactions mensuelles
• Taux d'ouverture du compte en ligne: 37% des nouveaux comptes
• Investissement de plate-forme numérique: 12,3 millions de dollars par an

Gestion des risques et analyse financière

L'équipe de gestion des risques surveille un portefeuille d'actifs de 20,1 milliards de dollars avec des protocoles de risque de crédit rigoureux.

Métrique de gestion des risques	État actuel
Ratio de prêts non performants	0.52%
Réserves de perte de prêt	213 millions de dollars
Ratio d'adéquation des capitaux	12.4%

Atlantic Union Bankshares Corporation (AUB) - Modèle commercial: Ressources clés

Réseau de succursale étendue

Au quatrième trimestre 2023, Atlantic Union Bankshares Corporation exploite 149 bureaux bancaires principalement situé en Virginie. La distribution géographique comprend:

État	Nombre de branches
Virginie	133
Maryland	8
Washington D.C.	4
Caroline du Nord	4

Équipe de gestion financière

L'équipe de direction comprend:

• John C. Altorfer - Président et chef de la direction
• Robert M. Gorman - directeur financier
• Michael J. Chewning - Chief Banking

Infrastructure de technologie bancaire numérique

Investissements technologiques à partir de 2023:

• 42,3 millions de dollars Dépenses de technologie annuelle et d'infrastructure numérique
• Plateforme bancaire mobile avec Plus de 200 000 utilisateurs numériques actifs
• Systèmes de cybersécurité avancés protégeant les transactions clients

Systèmes de gestion de la relation client

Métrique CRM	2023 données
Relations totales des clients	168,000
Clients bancaires commerciaux	12,500
Clients bancaires au détail	155,500

Capital et réserves financières

Mesures de force financière:

• Actifs totaux: 21,4 milliards de dollars (Q4 2023)
• Dépôts totaux: 16,8 milliards de dollars
• Ratio de capital de niveau 1: 12.4%
• Ratio de capital total basé sur les risques: 14.2%

Atlantic Union Bankshares Corporation (AUB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Au quatrième trimestre 2023, Atlantic Union Bankshares propose des solutions bancaires personnalisées avec 21,4 milliards de dollars d'actifs totaux et 16,3 milliards de dollars de prêts.

Segment de clientèle	Solutions sur mesure	Volume annuel
Clients commerciaux	Prêts commerciaux	9,7 milliards de dollars
Clients individuels	Banque personnelle	6,6 milliards de dollars

Services financiers complets sous une seule plateforme

Atlantic Union fournit des services financiers intégrés sur plusieurs canaux.

• Comptes chèques: 287 000 comptes actifs
• Comptes d'épargne: 214 000 comptes actifs
• Services d'investissement: 3,2 milliards de dollars d'actifs gérés
• Prêt hypothécaire: 4,5 milliards de dollars en portefeuille hypothécaire

La prise de décision locale et l'approche axée sur la communauté

Opère dans 5 États avec 130 bureaux bancaires, mettant l'accent sur l'engagement communautaire local.

État	Nombre de branches	Investissement communautaire
Virginie	89	42 millions de dollars
Maryland	15	8,3 millions de dollars
Autres États	26	12,7 millions de dollars

Taux d'intérêt concurrentiels et produits financiers

Offre des tarifs compétitifs dans divers produits financiers.

Produit	Taux d'intérêt	Comparaison du marché
Économies personnelles	4.25%	0,35% au-dessus de la moyenne régionale
Prêts commerciaux	7.5%	0,25% inférieur à la moyenne régionale
Taux hypothécaires	6.75%	0,15% compétitif avec le marché

Expérience bancaire numérique améliorée

Plateforme bancaire numérique avec une infrastructure technologique robuste.

• Utilisateurs de la banque mobile: 214 000
• Volume de transaction en ligne: 3,7 millions par mois
• Taux d'ouverture du compte numérique: 42% des nouveaux comptes
• Évaluation des applications mobiles: 4.6 / 5 dans les magasins d'applications

Atlantic Union Bankshares Corporation (AUB) - Modèle d'entreprise: relations clients

Service client personnalisé

Atlantic Union Bankshares fournit un service client personnalisé à travers ses 146 succursales à travers Virginia, Maryland et Caroline du Nord en 2024.

Métrique du service client	Valeur
Évaluation moyenne de satisfaction du client	4.3/5
Interactions annuelles de service à la clientèle	1,2 million
Taux de rétention de la clientèle	87.5%

Gestionnaires de relations dédiés pour les clients commerciaux

La banque propose une gestion des relations spécialisées pour les clients commerciaux.

• Total des gestionnaires de relations bancaires d'entreprise: 78
• Taille moyenne du portefeuille par gestionnaire: 42,6 millions de dollars
• Canaux de support dédiés: lignes téléphoniques directes, e-mail, avis sur les entreprises trimestrielles

Plates-formes bancaires numériques en libre-service

Atlantic Union Bankshares fournit des solutions bancaires numériques complètes.

Métrique de la plate-forme numérique	Valeur
Utilisateurs de la banque mobile	312,000
Utilisateurs de la banque en ligne	487,000
Volume de transaction numérique	3,2 milliards de dollars par an

Consultations de conseil financier régulières

Services de conseil financier complet offert sur plusieurs canaux.

• Conseillers financiers totaux: 62
• Consultations moyennes par conseiller: 143 par an
• Domaines de services consultatifs: planification de la retraite, stratégies d'investissement, gestion de patrimoine

Engagement communautaire et programmes de soutien local

Engagement fort envers le développement et le soutien de la communauté locale.

Métrique de l'engagement communautaire	Valeur
Investissement communautaire annuel	4,7 millions de dollars
Partenariats locaux à but non lucratif	87
Heures de bénévolat des employés	12,400

Atlantic Union Bankshares Corporation (AUB) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2024, Atlantic Union Bankshares Corporation exploite 141 bureaux bancaires à travers Virginie et Maryland. La distribution des succursales est la suivante:

État	Nombre de branches
Virginie	129
Maryland	12

Site Web de banque en ligne

La plate-forme numérique de la banque fournit des services bancaires en ligne complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Services de paiement
• Transferts de fonds
• Dépôt de chèques mobiles
• Affichage de la déclaration

Application bancaire mobile

L'application mobile de Atlantic Union Bank a été téléchargée plus de 250 000 fois, avec les statistiques clés suivantes:

Métrique	Valeur
Utilisateurs mobiles actifs	185,000
Transactions mobiles mensuelles	1,2 million

Réseau ATM

La banque donne accès à:

• 141 ATM appartenant à des banques
• 30 000 ATM du réseau sans surcharge
• Retraits gratuits sur le réseau ATM AllPoint®

Centres d'appels de service client

Atlantic Union Bank maintient les opérations du centre d'appels avec les mesures suivantes:

Canal de service	Heures d'opération	Volume d'appel annuel
Soutien bancaire personnel	7 h à 22 h HNE	425 000 appels
Assistance bancaire commerciale	8 h à 18 h HNE	185 000 appels

Atlantic Union Bankshares Corporation (AUB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

En 2024, Atlantic Union Bankshares dessert environ 3 500 petites et moyennes entreprises de la Virginie et des États environnants.

Segment d'entreprise	Total des clients	Taille moyenne du prêt
Micro-entreprises (1-10 employés)	1,250	$125,000
Petites entreprises (11-50 employés)	1,750	$475,000
Entreprises moyennes (51-250 employés)	500	$1,250,000

Clients bancaires de détail individuels

Atlantic Union Bankshares dessert 280 000 clients de banque de détail individuels en 2024.

• Comptes de chèques personnels: 165 000 clients
• Comptes d'épargne personnels: 145 000 clients
• Comptes d'investissement personnel: 38 000 clients

Individus à haute nette

La banque cible 12 500 personnes à haute teneur en naissance avec des actifs de plus de 1 million de dollars.

Segment de richesse	Nombre de clients	Actifs gérés moyens
1 à 5 millions de dollars	9,000	2,3 millions de dollars
5-10 millions de dollars	2,500	7,1 millions de dollars
Plus de 10 millions de dollars	1,000	15,6 millions de dollars

Clients commerciaux et d'entreprise

Atlantic Union Bankshares dessert 850 clients commerciaux et d'entreprises en 2024.

• Clients en banque d'entreprise: 350
• Clients immobiliers commerciaux: 275
• Clients de gestion du trésor d'entreprise: 225

Gouvernement local et organisations à but non lucratif

La banque dessert 215 organisations locales et organisations à but non lucratif dans ses régions opérationnelles.

Type d'organisation	Nombre de clients	Revenus bancaires annuels moyens
Gouvernements locaux	85	$750,000
Organisations à but non lucratif	130	$350,000

Atlantic Union Bankshares Corporation (AUB) - Modèle d'entreprise: Structure des coûts

Salaires et avantages sociaux des employés

En ce qui concerne le rapport annuel de 2023, Atlantic Union Bankshares Corporation a déclaré des frais de rémunération totale et des avantages sociaux de 348,2 millions de dollars.

Catégorie de dépenses	Montant ($)
Salaires totaux	237,500,000
Avantages sociaux	110,700,000

Maintenance de technologie et d'infrastructure

L'investissement infrastructure technologique pour 2023 a totalisé 52,4 millions de dollars.

• Maintenance de la plate-forme bancaire numérique: 18,6 millions de dollars
• Infrastructure de cybersécurité: 22,1 millions de dollars
• Mises à niveau du réseau et du matériel: 11,7 millions de dollars

Succursale des dépenses opérationnelles

Les coûts opérationnels du réseau de succursales pour 2023 étaient de 87,3 millions de dollars.

Dépenses opérationnelles	Montant ($)
Loyer et occupation	41,500,000
Services publics	12,800,000
Entretien	33,000,000

Coûts de conformité réglementaire

Les dépenses de conformité pour 2023 s'élevaient à 43,6 millions de dollars.

• Systèmes de rapports réglementaires: 15,2 millions de dollars
• Personnel de conformité: 22,4 millions de dollars
• Audit externe et conseil: 6 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 24,7 millions de dollars.

Canal de marketing	Montant ($)
Marketing numérique	9,300,000
Médias traditionnels	7,500,000
Programmes d'acquisition de clients	7,900,000

Atlantic Union Bankshares Corporation (AUB) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des investissements

Pour l'exercice 2023, l'Atlantic Union Bankshares Corporation a rapporté 674,3 millions de dollars dans le revenu des intérêts nets. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total	Pourcentage
Immobilier commercial	8,2 milliards de dollars	42.5%
Commercial et industriel	4,5 milliards de dollars	23.3%
Hypothèque résidentielle	3,7 milliards de dollars	19.2%
Prêts à la consommation	2,1 milliards de dollars	10.9%

Frais de service bancaire

Frais de service et frais générés 87,4 millions de dollars en revenus pour 2023, avec la structure des frais suivante:

• Frais de maintenance du compte: 24,6 millions de dollars
• Frais de découvert: 18,3 millions de dollars
• Frais de transaction ATM: 12,5 millions de dollars
• Frais de transfert de fil: 9,2 millions de dollars
• Autres frais de services bancaires: 22,8 millions de dollars

Frais de gestion de la patrimoine et de consultation

Les services de gestion de la patrimoine ont contribué 45,2 millions de dollars en frais de conseil pour 2023, avec des actifs sous gestion 6,3 milliards de dollars.

Revenus d'origine hypothécaire

Origination hypothécaire générée 52,1 millions de dollars dans les revenus, avec des créations de prêts hypothécaires totaux atteignant 1,2 milliard de dollars en 2023.

Services de gestion du Trésor

Services de gestion du Trésor produit 33,6 millions de dollars en revenus, servant 2 400 clients commerciaux à travers leur réseau bancaire.

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.