The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 12 points (61 → 73), mostly because the earnings component improved by 40 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Virginia

Yes. Atlantic Union Bank is an FDIC-insured institution (FDIC certificate #34589). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.4% of deposits ($11.1B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.99% (benchmark: 10%).

Check how much of your own balance is covered

Atlantic Union Bank lists 177 offices in 129 cities across 4 states. Most locations:

• Richmond, VA (9)
• Fredericksburg, VA (6)
• Roanoke, VA (5)
• Silver Spring, MD (4)
• Virginia Beach, VA (4)
• Charlottesville, VA (3)
• Chesapeake, VA (3)
• Danville, VA (3)
• Frederick, MD (3)
• Gaithersburg, MD (3)
• Laurel, MD (3)
• Midlothian, VA (3)

All branch addresses and map

Over the last three years, the CFPB forwarded 132 consumer complaints about Atlantic Union Bankshares, Inc. to the company (63 in the last 12 months). 100.0% received a timely response. That is 4.3 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Atlantic Union Bank reported 7,524 home-loan applications under HMDA (LEI 549300ZTT08EKQRVTR15): 5,109 originated ($1,544,295,000 total), 1,589 denied, and 710 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Atlantic Union Bank

Former names

First Market Bank, FSB; Union First Market Bank; Union Bank & Trust; First Market Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

34589

RSSD ID

693224

Primary regulator

FED

Holding company

Atlantic Union Bankshares Corp

Established

November 4, 1997

Headquarters

1051 E Cary St, Richmond City, VA 23219

Website

www.atlanticunionbank.com

Employees

3,073