Side-by-side · Q2 2026 data
Atlantic Union Bank vs Carter Bank & Trust
Metric by metric
| Measure | Atlantic Union Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 64 | 67 (stronger) |
| Loan quality | 83 (stronger) | 66 |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 44 | 70 (stronger) |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 83rd | 80th |
| Total assets | $38.0B | $4.8B |
| Deposits / shares | $30.6B | $4.2B |
| Capital ratio | 11.45% | 11.73% (stronger) |
| Problem loans | 0.50% (stronger) | 1.01% |
| Net charge-offs | 0.03% | -0.82% (stronger) |
| Return on assets | 1.62% | 3.66% (stronger) |
| Loans ÷ deposits | 92.9% | 87.7% (stronger) |
| Uninsured deposits | 36.4% | 17.7% (stronger) |
| Offices | 177 | 66 |
| CFPB complaints (3 yrs) | 132 | — |
| Complaints per $1B deposits | 4.3 | — |
| Mortgage denial rate (HMDA) | 23.3% | 28.0% |
Carter Bank & Trust has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Atlantic Union Bank leads on 1 and Carter Bank & Trust on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Roanoke, VA
- Fredericksburg, VA
- Danville, VA
- Charlottesville, VA
- Christiansburg, VA
- Greensboro, NC
- Lynchburg, VA
- Martinsville, VA
- Bedford, VA
- Winston Salem, NC
- South Boston, VA
- Salem, VA
- Spotsylvania, VA
- Vinton, VA
- Wytheville, VA
- Raleigh, NC
- Blacksburg, VA
- Chatham, VA
- Floyd, VA
- Gretna, VA
- Lexington, VA
- Moneta, VA
- Radford, VA
- Ridgeway, VA
- Rocky Mount, VA