Total Assets
$37.5B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$30.5B
Customer-funded liabilities
Net Loans
$27.5B
Outstanding loan book
Net Income
$318M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
6.70%
Efficiency Ratio
57.84%
What the numbers say about Atlantic Union Bank
Atlantic Union Bank is an FDIC-insured institution (Certificate #34589) headquartered in Richmond City, Virginia, established in 1997. It holds $37.5B in total assets - 60th of 4,313 FDIC-insured banks, $30.5B in customer deposits, and $27.5B in net loans. Looking at capital strength, Tier 1 stands at 13.02%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.51%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (81/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Atlantic Union Bank's asset base places it among the largest FDIC-insured institutions in the country, 60th of 4,313 nationally, and 3rd of 56 banks headquartered in Virginia. Only HSBC Bank USA ($165.3B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Virginia by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Atlantic Union Bank's health grade?▼
Atlantic Union Bank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Atlantic Union Bank?▼
Atlantic Union Bank holds $37.5B in total assets and $30.5B in deposits, ranking 60th of 4,313 FDIC-insured banks by asset size. It is headquartered in Richmond City, Virginia.
Is my money safe at Atlantic Union Bank?▼
Yes, deposits at Atlantic Union Bank (Certificate #34589) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Atlantic Union Bank's Tier 1 Capital Ratio?▼
Atlantic Union Bank has a Tier 1 Capital Ratio of 13.02%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Atlantic Union Bank?▼
Atlantic Union Bank has a Texas Ratio of 2.51%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Atlantic Union Bank?▼
Atlantic Union Bank has an Efficiency Ratio of 57.84%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Atlantic Union Bank's profile as a depositor or analyst.
- Atlantic Union Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Atlantic Union Bank against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.