| Schedule of Bank Capital Amount and Ratio |
The Company and the Bank’s capital amounts and ratios are also presented in the following table as of December 31, (dollars in thousands):
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Required in Order to Be |
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Required for Capital |
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Well Capitalized Under |
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Actual |
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Adequacy Purposes (1) |
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Prompt Corrective Action |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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2024 |
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Common equity Tier 1 capital to risk weighted assets: |
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Consolidated |
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$ |
2,063,163 |
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9.96 |
% |
$ |
932,152 |
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4.50% |
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NA |
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NA |
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Atlantic Union Bank |
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2,563,499 |
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12.44 |
% |
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927,311 |
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4.50% |
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1,339,449 |
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6.50% |
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Tier 1 capital to risk weighted assets: |
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Consolidated |
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2,229,519 |
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10.76 |
% |
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1,243,226 |
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6.00% |
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1,243,226 |
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6.00% |
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Atlantic Union Bank |
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2,563,499 |
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12.44 |
% |
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1,236,414 |
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6.00% |
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1,648,552 |
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8.00% |
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Total capital to risk weighted assets: |
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Consolidated |
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2,819,398 |
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13.61 |
% |
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1,657,251 |
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8.00% |
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2,071,564 |
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10.00% |
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Atlantic Union Bank |
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2,740,617 |
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13.30 |
% |
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1,648,491 |
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8.00% |
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2,060,614 |
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10.00% |
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Tier 1 capital to average adjusted assets (Leverage): |
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Consolidated |
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2,229,519 |
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9.29 |
% |
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959,965 |
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4.00% |
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NA |
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NA |
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Atlantic Union Bank |
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2,563,499 |
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10.74 |
% |
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954,748 |
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4.00% |
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1,193,435 |
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5.00% |
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2023 |
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Common equity Tier 1 capital to risk weighted assets: |
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Consolidated |
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$ |
1,790,183 |
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9.84 |
% |
$ |
818,681 |
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4.50% |
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NA |
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NA |
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Atlantic Union Bank |
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2,256,291 |
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12.48 |
% |
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813,566 |
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4.50% |
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1,175,152 |
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6.50% |
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Tier 1 capital to risk weighted assets: |
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Consolidated |
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1,956,539 |
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10.76 |
% |
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1,091,007 |
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6.00% |
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1,091,007 |
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6.00% |
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Atlantic Union Bank |
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2,256,291 |
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12.48 |
% |
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1,084,755 |
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6.00% |
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1,446,340 |
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8.00% |
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Total capital to risk weighted assets: |
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Consolidated |
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2,464,817 |
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13.55 |
% |
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1,455,243 |
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8.00% |
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1,819,053 |
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10.00% |
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Atlantic Union Bank |
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2,378,204 |
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13.15 |
% |
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1,446,816 |
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8.00% |
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1,808,520 |
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10.00% |
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Tier 1 capital to average adjusted assets (Leverage): |
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Consolidated |
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1,956,539 |
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9.63 |
% |
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812,685 |
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4.00% |
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NA |
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NA |
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Atlantic Union Bank |
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2,256,291 |
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11.16 |
% |
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808,706 |
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4.00% |
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1,010,883 |
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5.00% |
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(1) Amounts and ratios shown do not include the impact of a capital conservation buffer of 2.50%.
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