FDIC Cert #34589 · Richmond City, Virginia · Est. 1997

Atlantic Union Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$37.5B
Total assets
A
Health grade · Excellent
0.99%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

Atlantic Union Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 13.02% Tier 1, 0.99% ROA, efficient (58% cost ratio).

#60
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
13.02%
Tier 1 ratio - above the 10% well-capitalized line
42nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 34589 · VA A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1846/4307
  • PHOTO-FINISH Eagle Rock Bank · MN
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-PAR 0.99% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Eagle Rock Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Atlantic Union Bank

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Atlantic Union Bank · VA · t…81/100Eagle Rock Bank · MN · near81/100Enterprise Bank · NE · near81/100Northrim Bank · AK · near81/100TrustCo Bank · NY · near81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Atlantic Union Bank · July 2026

What Atlantic Union Bank's Call Report plate shows

Atlantic Union Bank (FDIC Cert #34589) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,846 of 4,307. Tier 1 capital prints at 13.02%, clearing the 10% well-capitalized line. The Texas Ratio is 2.51%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.99%. Balance-sheet scale is $37.5B, 60th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Eagle Rock Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Atlantic Union Bank

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

Atlantic Union Bank's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Atlantic Union Bank remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

How Atlantic Union Bank's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
Atlantic Union Bank's composite health score
Tier 1 Capital Ratio (13.02%) 35/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (2.51%) 20/20
Efficiency Ratio (57.84%) 12/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$37.5B

Total balance-sheet footings

Total Deposits

$30.5B

Customer-funded liabilities

Net Loans

$27.5B

Outstanding loan book

Net Income

$318M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.62% 13.02% 14.42%
Basel III capital ratios - Atlantic Union Bank

Where Atlantic Union Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Atlantic Union Bank's score of 81/100 falls in the highlighted band.

Atlantic Union Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Atlantic Union Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Atlantic Union Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Atlantic Union Bank's $37.5B falls in the highlighted band.

Safety ratios for Atlantic Union Bank

Tier 1 capital ratio
Well-capitalized 10%

13.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.02%
Texas Ratio
2.51%
Equity Capital
$5.7B

What these ratios mean →

Profitability metrics: Atlantic Union Bank

Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
6.70%
Efficiency Ratio
57.84%

What these mean →

Income & expense at Atlantic Union Bank

$1.8B
Interest Income
$220M
Non-Interest Income
$880M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Atlantic Union Bank reports a Texas Ratio of 2.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Atlantic Union Bank on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Atlantic Union Bank by assets

Atlantic Union Bank is closely matched in total assets by Prosperity Bank, Hancock Whitney Bank, BankUnited, Banc of California across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.20%, versus Atlantic Union Bank's own 0.99%; the average efficiency ratio is 53.55%, versus 57.84% here; and average Tier 1 capital sits at 15.98%, versus 13.02% at Atlantic Union Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $37.5B in assets, Atlantic Union Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Atlantic Union Bank nationally by total assets
  1. 1
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  2. 2
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  3. 3
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  4. 4
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

  6. 6
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Atlantic Union Bank (this bank) VA $37.5B 0.99% 57.84% 13.02%
Prosperity Bank TX $38.5B 1.44% 41.99% 16.51%
Hancock Whitney Bank MS $35.5B 1.41% 54.48% 13.24%
BankUnited, National Association FL $35.0B 0.89% 56.96% 12.73%
Banc of California CA $34.7B 0.78% 60.49% 13.15%
TD Bank USA, National Association DE $34.6B 1.16% 58.07% 28.61%
First National Bank of Omaha NE $34.6B 1.51% 49.34% 11.64%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($37.5B here), outside Virginia so the neighborhood is not state containment.

Prosperity Bank $38.5B · TX Hancock Whitney Bank $35.5B · MS BankUnited $35.0B · FL Banc of California $34.7B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Atlantic Union Bank (FDIC Cert #34589) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Atlantic Union Bank Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
Capital One, National AssociationMclean $658.5B B 0.55%
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
The First Bank and Trust CompanyLebanon $4.2B A 1.62%
Primis BankTappahannock $4.0B B 1.13%