A Atlantic Union Bankshares Corporation (AUB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do setor bancário regional, a Atlantic Union Bankshares Corporation (AUB) se destaca como uma potência estratégica, misturando perfeitamente os princípios bancários tradicionais com soluções digitais inovadoras. Ao criar meticulosamente uma tela abrangente de modelo de negócios que prioriza as necessidades da comunidade local e o avanço tecnológico, a AUB se posicionou como uma instituição financeira versátil que oferece experiências bancárias personalizadas em toda a Virgínia e estados vizinhos. Esse mergulho profundo em seu modelo de negócios revela como a AUB transforma ecossistemas financeiros complexos em serviços simplificados e centrados no cliente que impulsionam o crescimento sustentável e as conexões comunitárias significativas.

A Atlantic Union Bankshares Corporation (AUB) - Modelo de Negócios: Principais Parcerias

Associações comerciais locais e regionais

A Atlantic Union Bankshares mantém parcerias com as seguintes associações de negócios:

Nome da associação	Localização	Status de associação
Virginia Bankers Association	Richmond, VA	Membro ativo
Aliança de Negócios do Atlântico Centro	Regional	Parceiro estratégico

Provedores de serviços de tecnologia financeira (FinTech)

As principais parcerias de fintech incluem:

• FISERV - Plataforma de tecnologia bancária principal
• Jack Henry & Associados - soluções bancárias digitais
• VISA - Serviços de processamento de pagamento

Empresas de seguros e investimentos

Parceiro	Tipo de serviço	Duração da parceria
Seguro nacional	Gestão de patrimônio	Mais de 10 anos
Raymond James	Serviços de investimento	7 anos

Empresas de conformidade e consultoria regulatórias

As parcerias de conformidade incluem:

• Wolters Kluwer - Software de conformidade regulatória
• KPMG - Serviços de Consultoria Financeira
• Deloitte - Consultoria de Gerenciamento de Riscos

Organizações de desenvolvimento comunitário

Organização	Área de foco	Contribuição anual
Banco Federal de Empréstimos à Criação de Atlanta	Moradia acessível	US $ 5,2 milhões
Empresas de desenvolvimento comunitário local	Suporte para pequenas empresas	US $ 3,7 milhões

A Atlantic Union Bankshares Corporation (AUB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

Em 2024, a Atlantic Union Bankshares Corporation opera 137 escritórios bancários em toda a Virgínia, Maryland e Carolina do Norte. Total de ativos relatados em US $ 20,1 bilhões, com depósitos totais de US $ 16,7 bilhões.

Categoria de serviço bancário	Volume total
Empréstimos comerciais	US $ 8,3 bilhões
Contas bancárias de varejo	247.000 contas ativas
Bancos de pequenas empresas	US $ 2,6 bilhões em empréstimos pendentes

Origem e processamento de empréstimos

O volume anual de originação de empréstimos atinge US $ 4,5 bilhões em vários segmentos de empréstimos.

• Volume de empréstimos hipotecários: US $ 1,2 bilhão
• Empréstimos imobiliários comerciais: US $ 2,3 bilhões
• Empréstimo ao consumidor: US $ 980 milhões

Gerenciamento de patrimônio e consultoria de investimento

Os ativos sob gerenciamento totalizam US $ 6,8 bilhões com 42.000 clientes de gerenciamento de patrimônio.

Serviço de gerenciamento de patrimônio	Receita
Taxas de consultoria de investimento	US $ 87,4 milhões
Serviços de confiança	US $ 24,6 milhões

Desenvolvimento da plataforma bancária digital

A plataforma bancária digital suporta 215.000 usuários on -line ativos e 178.000 usuários de bancos móveis.

• Volume de transação bancária móvel: 4,2 milhões de transações mensais
• Taxa de abertura da conta on -line: 37% das novas contas
• Investimento de plataforma digital: US $ 12,3 milhões anualmente

Gerenciamento de riscos e análise financeira

A equipe de gerenciamento de riscos monitora US $ 20,1 bilhões por carteira de ativos com protocolos de risco de crédito rigoroso.

Métrica de gerenciamento de riscos	Status atual
Razão de empréstimos não-desempenho	0.52%
Reservas de perda de empréstimos	US $ 213 milhões
Índice de adequação de capital	12.4%

A Atlantic Union Bankshares Corporation (AUB) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre 2023, a Atlantic Union Bankshares Corporation opera 149 escritórios bancários Localizado principalmente na Virgínia. A distribuição geográfica inclui:

Estado	Número de ramificações
Virgínia	133
Maryland	8
Washington D.C.	4
Carolina do Norte	4

Equipe de gestão financeira

A equipe de liderança inclui:

• John C. Altorfer - Presidente e CEO
• Robert M. Gorman - Diretor Financeiro
• Michael J. Chewning - Diretor Bancário

Infraestrutura de tecnologia bancária digital

Investimentos de tecnologia a partir de 2023:

• US $ 42,3 milhões Tecnologia anual e gastos com infraestrutura digital
• Plataforma bancária móvel com Mais de 200.000 usuários digitais ativos
• Sistemas avançados de segurança cibernética protegendo transações de clientes

Sistemas de gerenciamento de relacionamento com clientes

Métrica de CRM	2023 dados
Total de relacionamentos do cliente	168,000
Clientes bancários comerciais	12,500
Clientes bancários de varejo	155,500

Reservas de capital e financeiro

Métricas de força financeira:

• Total de ativos: US $ 21,4 bilhões (Q4 2023)
• Total de depósitos: US $ 16,8 bilhões
• TIER 1 Ratio de capital: 12.4%
• Total de rácio de capital baseado em risco: 14.2%

A Atlantic Union Bankshares Corporation (AUB) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas e indivíduos

A partir do quarto trimestre de 2023, o Atlantic Union Bankshares oferece soluções bancárias personalizadas com US $ 21,4 bilhões em ativos totais e US $ 16,3 bilhões em empréstimos totais.

Segmento de clientes	Soluções personalizadas	Volume anual
Clientes comerciais	Empréstimos comerciais	US $ 9,7 bilhões
Clientes individuais	Bancos pessoais	US $ 6,6 bilhões

Serviços financeiros abrangentes sob uma plataforma

A Atlantic Union fornece serviços financeiros integrados em vários canais.

• Contas de corrente: 287.000 contas ativas
• Contas de poupança: 214.000 contas ativas
• Serviços de investimento: US $ 3,2 bilhões em ativos gerenciados
• Empréstimo de hipoteca: US $ 4,5 bilhões em portfólio de hipotecas

Tomada de decisão local e abordagem focada na comunidade

Opera em 5 estados com 130 escritórios bancários, enfatizando o envolvimento da comunidade local.

Estado	Número de ramificações	Investimento comunitário
Virgínia	89	US $ 42 milhões
Maryland	15	US $ 8,3 milhões
Outros estados	26	US $ 12,7 milhões

Taxas de juros competitivas e produtos financeiros

Oferece taxas competitivas em vários produtos financeiros.

Produto	Taxa de juro	Comparação de mercado
Economia pessoal	4.25%	0,35% acima da média regional
Empréstimos comerciais	7.5%	0,25% abaixo da média regional
Taxas de hipoteca	6.75%	0,15% competitivo com o mercado

Experiência bancária digital aprimorada

Plataforma bancária digital com infraestrutura tecnológica robusta.

• Usuários bancários móveis: 214.000
• Volume de transação online: 3,7 milhões mensais
• Taxa de abertura da conta digital: 42% das novas contas
• Classificação de aplicativo móvel: 4.6/5 em lojas de aplicativos

A Atlantic Union Bankshares Corporation (AUB) - Modelo de Negócios: Relacionamentos ao Cliente

Atendimento ao cliente personalizado

A Atlantic Union Bankshares fornece atendimento ao cliente personalizado por meio de seus 146 filiais em toda a Virgínia, Maryland e Carolina do Norte a partir de 2024.

Métrica de atendimento ao cliente	Valor
Classificação média de satisfação do cliente	4.3/5
Interações anuais de atendimento ao cliente	1,2 milhão
Taxa de retenção de clientes	87.5%

Gerentes de relacionamento dedicados para clientes de negócios

O banco oferece gerenciamento especializado de relacionamento para clientes comerciais.

• Gerentes de relacionamento bancários de negócios totais: 78
• Tamanho médio do portfólio por gerente: US $ 42,6 milhões
• Canais de suporte dedicados: linhas telefônicas diretas, e -mail, avaliações trimestrais de negócios

Plataformas bancárias de autoatendimento digital

A Atlantic Union Bankshares fornece soluções bancárias digitais abrangentes.

Métrica da plataforma digital	Valor
Usuários bancários móveis	312,000
Usuários bancários online	487,000
Volume de transação digital	US $ 3,2 bilhões anualmente

Consultas de consultoria financeira regulares

Serviços de Consultoria Financeira Abrangente oferecido em vários canais.

• Total de consultores financeiros: 62
• Consultas médias por consultor: 143 anualmente
• Áreas de serviço de consultoria: planejamento de aposentadoria, estratégias de investimento, gerenciamento de patrimônio

Programas de envolvimento da comunidade e apoio local

Forte compromisso com o desenvolvimento e apoio da comunidade local.

Métrica de engajamento da comunidade	Valor
Investimento comunitário anual	US $ 4,7 milhões
Parcerias sem fins lucrativos locais	87
Horário de voluntariado dos funcionários	12,400

A Atlantic Union Bankshares Corporation (AUB) - Modelo de Negócios: Canais

Rede de ramificação física

Em 2024, a Atlantic Union Bankshares Corporation opera 141 escritórios bancários em toda a Virgínia e Maryland. A distribuição da filial é a seguinte:

Estado	Número de ramificações
Virgínia	129
Maryland	12

Site bancário online

A plataforma digital do banco fornece serviços bancários on -line abrangentes com os seguintes recursos:

• Gerenciamento de contas
• Serviços de pagamento de contas
• Transferências de fundos
• Depósito de cheque móvel
• Visualização da declaração

Aplicativo bancário móvel

O aplicativo móvel do Atlantic Union Bank foi baixado mais de 250.000 vezes, com as seguintes estatísticas -chave:

Métrica	Valor
Usuários móveis ativos	185,000
Transações móveis mensais	1,2 milhão

Rede ATM

O banco fornece acesso a:

• 141 caixas eletrônicos de propriedade do banco
• Mais de 30.000 caixas eletrônicos de rede sem sobretaxa
• Retiradas gratuitas na rede ATM Allpoint®

Centros de atendimento ao cliente

O Atlantic Union Bank mantém as operações de call center com as seguintes métricas:

Canal de serviço	Horário de funcionamento	Volume anual de chamada
Suporte bancário pessoal	7:00 - 22:00 EST	425.000 ligações
Suporte bancário de negócios	8:00 - 18:00 EST	185.000 ligações

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

Pequenas e médias empresas

A partir de 2024, o Atlantic Union Bankshares atende aproximadamente 3.500 empresas pequenas e médias em toda a Virgínia e nos estados vizinhos.

Segmento de negócios	Total de clientes	Tamanho médio do empréstimo
Micro negócios (1-10 funcionários)	1,250	$125,000
Pequenas empresas (11-50 funcionários)	1,750	$475,000
Empresas médias (51-250 funcionários)	500	$1,250,000

Clientes bancários de varejo individuais

A Atlantic Union Bankshares atende 280.000 clientes de banco de varejo individuais em 2024.

• Contas de corrente pessoal: 165.000 clientes
• Contas de poupança pessoal: 145.000 clientes
• Contas de investimento pessoal: 38.000 clientes

Indivíduos de alta rede

O banco tem como alvo 12.500 indivíduos de alta rede com ativos acima de US $ 1 milhão.

Segmento de riqueza	Número de clientes	Ativos gerenciados médios
US $ 1-5 milhões	9,000	US $ 2,3 milhões
US $ 5 a 10 milhões	2,500	US $ 7,1 milhões
Mais de US $ 10 milhões	1,000	US $ 15,6 milhões

Clientes comerciais e corporativos

A Atlantic Union Bankshares atende 850 clientes comerciais e corporativos em 2024.

• Clientes bancários corporativos: 350
• Clientes imobiliários comerciais: 275
• Clientes corporativos de gerenciamento de tesouraria: 225

Governo local e organizações sem fins lucrativos

O banco atende 215 organizações do governo local e sem fins lucrativos em suas regiões operacionais.

Tipo de organização	Número de clientes	Receita bancária média anual
Governos locais	85	$750,000
Organizações sem fins lucrativos	130	$350,000

A Atlantic Union Bankshares Corporation (AUB) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

A partir de 2023 Relatório Anual, a Atlantic Union Bankshares Corporation registrou despesas totais de remuneração e benefícios de US $ 348,2 milhões.

Categoria de despesa	Valor ($)
Salários totais	237,500,000
Benefícios dos funcionários	110,700,000

Manutenção de tecnologia e infraestrutura

O investimento em infraestrutura de tecnologia para 2023 totalizou US $ 52,4 milhões.

• Manutenção da plataforma bancária digital: US $ 18,6 milhões
• Infraestrutura de segurança cibernética: US $ 22,1 milhões
• Atualizações de rede e hardware: US $ 11,7 milhões

Despesas operacionais de ramificação

Os custos operacionais da rede de filiais para 2023 foram de US $ 87,3 milhões.

Despesa operacional	Valor ($)
Aluguel e ocupação	41,500,000
Utilitários	12,800,000
Manutenção	33,000,000

Custos de conformidade regulatória

As despesas de conformidade em 2023 totalizaram US $ 43,6 milhões.

• Sistemas de relatórios regulatórios: US $ 15,2 milhões
• Pessoal de conformidade: US $ 22,4 milhões
• Auditoria e consultoria externa: US $ 6 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 24,7 milhões.

Canal de marketing	Valor ($)
Marketing digital	9,300,000
Mídia tradicional	7,500,000
Programas de aquisição de clientes	7,900,000

A Atlantic Union Bankshares Corporation (AUB) - Modelo de Negócios: Fluxos de Receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, informou a Atlantic Union Bankshares Corporation US $ 674,3 milhões na receita de juros líquidos. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total	Percentagem
Imóveis comerciais	US $ 8,2 bilhões	42.5%
Comercial e industrial	US $ 4,5 bilhões	23.3%
Hipoteca residencial	US $ 3,7 bilhões	19.2%
Empréstimos ao consumidor	US $ 2,1 bilhões	10.9%

Taxas de serviço bancário

Cobranças e taxas de serviço geradas US $ 87,4 milhões em receita para 2023, com a seguinte estrutura de taxas:

• Taxas de manutenção de conta: US $ 24,6 milhões
• Taxas de cheque especial: US $ 18,3 milhões
• Taxas de transação ATM: US $ 12,5 milhões
• Taxas de transferência de fio: US $ 9,2 milhões
• Outras taxas de serviços bancários: US $ 22,8 milhões

Gerenciamento de patrimônio e taxas de consultoria

Os serviços de gerenciamento de patrimônio contribuíram US $ 45,2 milhões em taxas de consultoria para 2023, com ativos sob gerenciamento totalizando US $ 6,3 bilhões.

Receitas de originação hipotecária

Originação hipotecária gerada US $ 52,1 milhões em receita, com as origens totais de empréstimos hipotecários atingindo US $ 1,2 bilhão em 2023.

Serviços de Gerenciamento do Tesouro

Serviços de gerenciamento de tesouro produzidos US $ 33,6 milhões em receita, servindo 2.400 clientes comerciais em sua rede bancária.

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.