Atlantic Union Bankshares Corporation Annual report [Section 13 and 15(d), not S-K Item 405]

Annual report [Section 13 and 15(d), not S-K Item 405]

REGULATORY MATTERS AND CAPITAL 10K

REGULATORY MATTERS AND CAPITAL 10K

12 Months Ended

Dec. 31, 2025

Regulatory Capital Requirements [Abstract]

13. REGULATORY MATTERS AND CAPITAL

Capital resources represent funds, earned or obtained, over which financial institutions can exercise greater or longer control in comparison with deposits and borrowed funds. Management seeks to maintain a capital structure that will assure an adequate level of capital to support anticipated asset growth and to absorb potential losses yet allow management to effectively leverage its capital to maximize return to shareholders. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on financial statements of the Company and the Bank. Under capital adequacy guidelines and the regulatory framework for Prompt Corrective Action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt Corrective Action provisions are not applicable to financial holding companies and bank holding companies, but only to their bank subsidiaries.

As of December 31, 2025 and 2024, the most recent notification from the FRB categorized the Bank as “well capitalized” under the regulatory framework for Prompt Corrective Action. To be categorized as “well-capitalized,” an institution must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage, and common equity Tier 1 ratios as set forth in the following tables. There are no conditions or events since that notification that management believes have changed the Bank’s category.

The Company and the Bank’s capital amounts and ratios are also presented in the following table as of December 31, (dollars in thousands):



					Required for Capital			Required in Order to Be
	Actual				Adequacy Purposes⁽¹⁾			Well Capitalized ⁽²⁾
	Amount		Ratio		Amount		Ratio	Amount	Ratio
2025
Common equity Tier 1 capital to risk weighted assets:
Consolidated	$	3,074,066	10.10	%	$	1,369,633	4.50%	NA	NA
Atlantic Union Bank		3,952,859	13.02	%		1,366,196	4.50%	1,973,394	6.50%
Tier 1 capital to risk weighted assets:
Consolidated		3,240,422	10.64	%		1,827,306	6.00%	1,827,306	6.00%
Atlantic Union Bank		3,952,859	13.02	%		1,821,594	6.00%	2,428,792	8.00%
Total capital to risk weighted assets:
Consolidated		4,232,521	13.90	%		2,435,983	8.00%	3,044,979	10.00%
Atlantic Union Bank		4,245,839	13.98	%		2,429,665	8.00%	3,037,081	10.00%
Tier 1 capital to average adjusted assets (Leverage):
Consolidated		3,240,422	9.10	%		1,424,361	4.00%	NA	NA
Atlantic Union Bank		3,952,859	11.13	%		1,420,614	4.00%	1,775,768	5.00%

2024
Common equity Tier 1 capital to risk weighted assets:
Consolidated	$	2,063,163	9.96	%	$	932,152	4.50%	NA	NA
Atlantic Union Bank		2,563,499	12.44	%		927,311	4.50%	1,339,449	6.50%
Tier 1 capital to risk weighted assets:
Consolidated		2,229,519	10.76	%		1,243,226	6.00%	1,243,226	6.00%
Atlantic Union Bank		2,563,499	12.44	%		1,236,414	6.00%	1,648,552	8.00%
Total capital to risk weighted assets:
Consolidated		2,819,398	13.61	%		1,657,251	8.00%	2,071,564	10.00%
Atlantic Union Bank		2,740,617	13.30	%		1,648,491	8.00%	2,060,614	10.00%
Tier 1 capital to average adjusted assets (Leverage):
Consolidated		2,229,519	9.29	%		959,965	4.00%	NA	NA
Atlantic Union Bank		2,563,499	10.74	%		954,748	4.00%	1,193,435	5.00%

⁽¹⁾ Amounts and ratios shown do not include the impact of a capital conservation buffer of 2.50%.

⁽²⁾ Reflects the well-capitalized standard under Regulation Y for Atlantic Union Bankshares Corporation and the prompt corrective actions framework for Atlantic Union Bank.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

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