Atlantic Union Bank: how it compares with its peers
Against 72 U.S. banks with half to twice its assets, Atlantic Union Bank's strongest measure in Q2 2026 is return on assets (1.62% vs. a 1.25% peer median). Its weakest relative measure is assets per employee ($12.4M vs. $12.3M).
| Measure | Atlantic Union Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.25% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.61% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.62% | 52.70% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.4M | $12.3M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.85% | 85.34% | Context |
What it means for lending operations
Its efficiency ratio of 46.62% is better than the 52.70% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Hancock Whitney Bank Gulfport, MS · $36.33B
- Deutsche Bank Trust Company Americas New York, NY · $40.53B
- Commerce Bank Kansas City, MO · $35.02B
- Banc of California Los Angeles, CA · $34.90B
- BankUnited, National Association Miami Lakes, FL · $34.86B
- Bank OZK Little Rock, AR · $41.70B
Questions about Atlantic Union Bank
How big is Atlantic Union Bank?
Atlantic Union Bank, established in 1997, is headquartered in Richmond City, VA. It reported $38.02B in total assets in its Q2 2026 FDIC call report and operates 188 offices.
What is Atlantic Union Bank's return on assets?
1.62% annualized in Q2 2026, against a 1.25% median for 72 U.S. banks with half to twice its assets, ahead of 82% of them.
What is Atlantic Union Bank's efficiency ratio?
46.62% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 52.70%, and lower is better.
Is Atlantic Union Bank growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.