Atlantic Union Bankshares Corporation Investor Presentation and Financial Outlook

Atlantic Union Bankshares Corporation (AUB) provided an investor presentation and financial outlook for the fourth quarter of 2025. The presentation highlighted the company's strategic priorities, including organic growth, strategic investments, and innovation. AUB emphasized its strong capital position, with capital ratios well above regulatory requirements. The company also discussed its expansion strategy in North Carolina, with plans to open 10 new branches over the next three years. AUB's financial outlook for 2025 includes mid-single-digit loan growth, low single-digit deposit growth, and a net interest margin of 3.75% to 3.80%. The company expects to achieve cost savings of 27% from the Sandy Spring acquisition and anticipates a net charge-off ratio of 15-20 basis points. AUB remains focused on delivering long-term shareholder value through its diversified loan portfolio, strong deposit base, and strategic initiatives.