Atlantic Union Bankshares : 2026 Annual Shareholder Meeting Management Presentation

Published: 2026-05-05 08:17:15 ET AUB

Published on 05/05/2026 at 08:17 am EDT

Annual Shareholders'

Non-GAAP Financial Measures

This presentation contains certain financial information determined by methods other than in accordance with generally accepted accounting principles in the United States ("GAAP"). These non-GAAP financial measures are a supplement to GAAP, which is used to prepare our financial statements, and should not be considered in isolation or as a substitute for comparable measures calculated in accordance with GAAP. In addition, our non-GAAP financial measures may not be comparable to non-GAAP financial measures of other companies. We use the non-GAAP financial measures discussed herein in our analysis of our performance. Our management believes that these non-GAAP financial measures provide additional understanding of ongoing operations, enhance comparability of results of operations with prior periods, show the effects of significant gains and charges in the periods presented without the impact of items or events that may obscure trends in our underlying performance, or show the potential effects of accumulated other comprehensive income (or AOCI) or unrealized losses on securities on our capital. This presentation also includes certain projections of non-GAAP financial measures. Due to the inherent variability and difficulty associated with making accurate forecasts and projections of information that is excluded from these projected non-GAAP measures, and the fact that some of the excluded information is not currently ascertainable or accessible, we are unable to quantify certain amounts that would be required to be included in the most directly comparable projected GAAP financial measures without unreasonable effort.

Consequently, no disclosure of projected comparable GAAP measures is included, and no reconciliation of forward-looking non-GAAP financial information is included.

Please see "Reconciliation of Non-GAAP Disclosures" at the end of this presentation for a reconciliation to the nearest GAAP financial measure.

No Offer or Solicitation

This presentation does not constitute an offer to sell or a solicitation of an offer to buy any securities. No offer of securities shall be made except by means of a prospectus meeting the requirements of the Securities Act of 1933, as amended, and no offer to sell or solicitation of an offer to buy shall be made in any jurisdiction in which such offer, solicitation or sale would be unlawful.

Market and Industry Data

Unless otherwise indicated, market data and certain industry forecast data used in this presentation were obtained from internal reports, where appropriate, as well as third party sources and other publicly available information. Data regarding the industries and markets in which the Company competes, its market position and market share within these industries are inherently imprecise and are subject to significant business, economic and competitive uncertainties beyond the Company's control. In addition, assumptions and estimates of the Company and its industries' future performance are necessarily subject to a high degree of uncertainty and risk due to a variety of factors. These and other factors could cause future performance to differ materially from assumptions and estimates.

About Atlantic Union Bankshares Corporation

Headquartered in Richmond, Virginia, Atlantic Union Bankshares Corporation (NYSE: AUB) is the holding company for Atlantic Union Bank. Atlantic Union Bank has branches and ATMs located in Virginia, Maryland, North Carolina and Washington, D.C. Certain non-bank financial services affiliates of Atlantic Union Bank include: Atlantic Union Equipment Finance, Inc., which provides equipment financing; AUB Investments, Inc., which provides investment services; and Atlantic Union Capital Markets, Inc., which provides capital market services.

Soundness | Profitability | Growth

Maryland

BA L T I M O RE

Largest Regional Bank Headquartered in the Lower Mid-Atlantic

HIGHLIGHTS1

ST A U NT O N

Virginia

F RE D E RI CK SBU RG

CH A R LO T T E SV I LLE

W A SH I NG T O N

$37.3 Billion

Assets

$27.9 Billion

Loans

$30.4 Billion

Deposits

North Carolina

G R EENS B O R O

CH A R L O T T E

R O A NO K E

R I CH M O ND

RA L E I G H

NO R F O L K

V IR G IN IA BE A CH

178

$5.5 Billion

branches across Virginia, North Carolina and Maryland footprint

largest regional bank in lower Mid-Atlantic, Maryland and Virginia2,3

Market Capitalization

W I L M I NG T O N

Branch (178) LPO (2)

Assets, Loans, Deposits, and Branch Count are as of March 31, 2026. Market Cap as of April 20, 2026.

Based on deposit market share as of June 30, 2025. Regional market: Delaware, Maryland, New Jersey, Pennsylvania, Virginia, Washington, D.C., and West Virginia

Regional banks defined as U.S. Banks with <$100 Billion in assets 4

Our Core Values Continue to Make us Successful

CARING

Working together toward common goals, acting with kindness, respect, and a genuine concern for others.

COURAGEOUS

Speaking openly, honestly, and accepting our challenges

and mistakes as opportunities to learn and grow.

COMMITTED

Driven to help our clients, Teammates, and company succeed, doing what is right and accountable for our actions.

With the franchise now established, our focus is on maximizing its potential:

Organic growth

Deepening relationships, growing our company organically, and leveraging our scale efficiently.

Capital generation

Shifting from capital deployment to capital creation, targeting top tier returns, earnings growth, and tangible book value per share growth.

Disciplined execution

Delivering on the promises made to our stakeholders.

We Believe AUB Was Built For This Moment

We have invested the capital, built the platform, and assembled the team. Now is the time to demonstrate the power of what we have built-delivering sustainable, top-tier performance and returns.

Since May 6, 2025

Our Markets

2025 GDP

GDP

Pop.

# State

($Billions)

# State

($Billions)

State

(Millions)

# State

(Millions)

1 California

4,251

G Washington

8G5

1 California

3G.4

G North Carolina

11.2

2 Texas

2,G04

10 North Carolina

8G4

2 Texas

32.0

10 Michigan

10.2

3 New York

2,468

11 New Jersey

887

3 Florida

24.0

11 New Jersey

G.6

4 Florida

1,835

12 Massachusetts

820

4 New York

1G.G

12 Virginia

8.G

5 Illinois

1,202

13 Virginia

7G8

5 Pennsylvania

13.1

13 Washington

8.0

6 Pennsylvania

1,056

14 Michigan

730

6 Illinois

12.7

14 Arizona

7.7

7 Ohio

G67

15 Arizona

5G8

7 Ohio

11.G

15 Tennessee

7.3

8 Georgia

G25

18 Maryland

568

8 Georgia

11.3

18 Maryland

6.3

( $ BILLIONS)

2026 POPULATION

( MILLIONS)

MEDIAN HOUSEHOLD INCOME ( $)

UNEMPLOYMENT BY STATE

January 2026

# State HHI ($)

# State

(%)

# State

(%)

New Hampshire 106,667

California 105,6G4

Washington 105,641

Hawaii 105,23G

G Utah 103,211

Massachusetts

New Jersey

10G,065

108,801

4 Maryland 107,134

1 District of Columbia 117,508

Connecticut

Colorado

102,5G2

102,130

12 Virginia GG,76G

Minnesota

Rhode Island

G5,088

G3,626

37 North Carolina 7G,045

13 Alaska G6,366

1 South Dakota 2.2

1 Hawaii 2.2

North Dakota 2.6

Vermont 2.7

Alabama 2.7

Nebraska 3.0

New Hampshire 3.2

Wisconsin 3.3

8 Maine 3.3

10 Indiana 3.4

10 Iowa 3.4

Virginia

3.7

North Carolina

3.8

Maryland

4.3

District of Columbia

6.7

National Rate 4.3

Rank

Institution

Deposits ($mm)

Franchise Strength

Market Share (%)

Branches

Atlantic Union Bankshares Corp.

$20,447

23.G%

131

Growth opportunity in all three states

VIRGINIA

ALL BANKS

TowneBank 12,748 5.6 5G

United Bankshares Inc. G,571 4.2 80

PNC Financial Services Group Inc. 5,344 2.3 53

Capital One Financial Corp. 4,0G3 1.8 20

G Burke & Herbert 3,555 1.6 37

Top 10 Banks

All Institutions in Market

$165,1G8

$22G,230

72.2%

100.0%

G67

1,852

10 Carter Bank & Trust 3,51G 1.5 52

VIRGINIA

Rank

Institution

Deposits ($mm)

Growth Opportunity Market Share (%)

Branches

Truist Financial Corp

$48,785

21.3%

25G

Wells Fargo & Co

33,151

14.5

178

Bank of America Corp.

23, G85

10.5

Atlantic Union Bankshares Corp

20,447

8.G

131

BANKS HEADǪUARTERED

IN VA

2 TowneBank 12,748 14.6 5G

Capital One Financial Corp. 4,0G3 4.8 20

Burke & Herbert 3,555 4.2 37

Carter Bank & Trust 3,51G 4.1 52

Primis Financial Corp 3,16G 3.7 26

First Bancorp Inc. 3,004 3.5 21

C&F Financial Corp 2,261 2.7 31

G Blue Ridge Bankshares Inc. 2,018 2.4 2G

10 FVCBankcorp Inc. 1,7G3 2.1 5

MARYLAND

ALL BANKS

Top 10 Banks

All Institutions in Market

$56,607

$88,446

66.3%

100.0%

411

82G

Rank

Institution

Deposits ($mm)

Growth Opportunity Market Share (%)

Branches

Bank of America Corp.

$28,432

16.1%

115

Truist Financial Corp.

22,12G

12.5

138

M&T Bank Corp.

18,687

10.6

157

PNC Financial Services Group Inc.

17,G1G

10.1

118

Wells Fargo & Co.

11,8G5

6.7

Capital One Financial Corp.

11,342

6.4

Atlantic Union Bankshares Corp

G,628

5.4

Rank

Institution

Deposits ($mm)

Growth Opportunity Market Share (%)

Branches

Truist Financial Corp.

$42,730

18.0%

275

Wells Fargo & Co.

38,46G

16.2

217

First Citizens BancShares Inc.

26,166

11.0

1G7

Bank of America Corp.

20,848

8.8

107

PNC Financial Services Group Inc.

11,463

4.8

101

First Bancorp

G,514

4.0

101

F.N.B. Corp.

8,G11

3.8

Fifth Third Bancorp

7,676

3.2

First Horizon Corp.

7,0GG

3.0

Pinnacle Financial Partners Inc.

6,G36

2.G

Atlantic Union Bankshares Corp.

8G2

0.4

Eagle Bancorp Inc.

6,847

3.G

Forbright Inc.

6,012

3.4

Shore Bancshares Inc.

4,85G

2.8

Top 10 Banks

$137,750

77.G%

72G

All Institutions in Market

$176,978

100.0%

1,150

NORTH CAROLINA ALL BANKS

Top 10 Banks

All Institutions in Market

$17G,812

$236,G07

75.7%

100.0%

1,301

2,004

Source: SNL Financial and FDIC deposit data

Deposit and branch data as of 6/30/25 which is presented on a pro forma basis for any announced transactions

Note: Excludes branches with deposits greater than $6.0 billion 10

2025 FINANCIAL PERFORMANCE AT-A-GLANCE

SUMMARIZED INCOME STATEMENT

For the years ended December 31

2025

2024

$ Change

% Change

Net interest income

$1,154,G13

$6G8,53G

$456,374

65.3%

- Provision for credit losses

141,788

50,08G

G1,6GG

183.1%

+ Noninterest income

21G,436

118,878

100,558

84.6%

- Noninterest expense

8G5,570

507,534

388,036

76.5%

- Income tax expense

63,276

50,663

12,613

24.G%

Net income (GAAP)

$273,715

$20G,131

$64,584

30.G%

- Dividends on preferred stock

11,868

0.0%

Net income available to common shareholders (GAAP)

$261,847

$1G7,263

$64,584

32.7%

+ Merger-related costs, net of tax

124,5G0

33,476

G1,114

+ FDIC special assessment, net of tax

664

(664)

(100.0%)

+ Deferred tax asset write-down

4,774

(4,774)

(100.0%)

+ CECL Day 1 non-PCD loans and RUC provision expense, net of tax

77,742

11,520

66,222

- Loss on sale of securities, net of tax

(62)

(5,12G)

5,067

(G8.8%)

- Gain on CRE loan sale, net of tax

8,405

- Gain on sale of equity interest in CSP, net of tax

10,GG4

Adjusted operating earnings available to common shareholders (non-GAAP)1

$444,842

$252,826

$1G2,016

75.G%

NM - Not meaningful

EARNINGS METRICS

For the years ended December 31

ADJUSTED OPERATING EARNINGS METRICS - NON-GAAP1

For the years ended December 31

2025

2024

Net Income available to common shareholders

$261,847

$1G7,263

Common EPS, diluted

$2.03

$2.24

ROE

6.16%

7.04%

ROTCE (non-GAAP)1

12.82%

13.35%

ROA

0.80%

0.88%

Efficiency ratio

65.16%

62.0G%

Efficiency ratio (FTE)1

64.36%

60.G5%

Net interest margin

3.74%

3.27%

Net interest margin (FTE)1

3.80%

3.34%

2025

2024

Adjusted operating earnings available to common shareholders

$444,842

$252,826

Adjusted operating common EPS, diluted

$3.44

$2.88

Core net interest margin (FTE)

3.32%

3.15%

Adjusted operating ROA

1.33%

1.11%

Adjusted operating ROTCE

20.41%

16.85%

Adjusted operating efficiency ratio (FTE)

4G.68%

53.31%

Adjusted operating PTPP earnings (FTE)

$627,627

$372,460

PTPP = Pre-tax Pre-provision

1. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in "Appendix - Reconciliation of Non-GAAP Disclosures" 12

Note: all tables presented dollars in thousands, except per share amounts

Q1 2026 FINANCIAL PERFORMANCE AT-A-GLANCE

SUMMARIZED INCOME STATEMENT

1Ǫ2026

4Ǫ2025

$ Change

% Change

Net interest income

$312,373

$330,168

($17,7G5)

(5.4%)

- Provision for credit losses

2,737

2,211

526

23.8%

+ Noninterest income

54,783

57,000

(2,217)

(3.G%)

- Noninterest expense

20G,810

243,243

(33,433)

(13.7%)

- Income tax expense

32,444

2G,748

2,6G6

G.1%

Net income (GAAP)

$122,165

$111,G66

$10,1GG

G.1%

- Dividends on preferred stock

2,G67

0.0%

Net income available to common shareholders (GAAP)

$11G,1G8

$108,GGG

$10,1GG

G.4%

+ Merger-related costs, net of tax

6,G56

2G,742

(22,786)

(76.6%)

- Gain on sale of securities, net of tax

0.0%

- Gain on sale of equity interest in CSP, net of tax

340

(340)

(100.0%)

Adjusted operating earnings available to common shareholders (non-GAAP)1

$126,152

$138,3GG

($12,247)

(8.8%)

EARNINGS METRICS

1Ǫ2026

4Ǫ2025

Net Income available to common shareholders

$11G,1G8

$108,GGG

Common EPS, diluted

$0.84

$0.77

ROE

G.78%

8.G7%

ROTCE (non-GAAP)1

18.63%

17.85%

ROA

1.33%

1.1G%

Efficiency ratio

57.14%

62.83%

Efficiency ratio (FTE)1

56.45%

62.0G%

Net interest margin

3.80%

3.G0%

Net interest margin (FTE)1

3.85%

3.G6%

ADJUSTED OPERATING EARNINGS METRICS - NON-GAAP1

1Ǫ2026

4Ǫ2025

Adjusted operating earnings available to common shareholders

$126,152

$138,3GG

Adjusted operating common EPS, diluted

$0.8G

$0.G7

Core net interest margin (FTE)

3.45%

3.41%

Adjusted operating ROA

1.41%

1.50%

Adjusted operating ROTCE

1G.62%

22.12%

Adjusted operating efficiency ratio (FTE)

4G.86%

47.77%

Adjusted operating PTPP earnings (FTE)

$170,G28

$186,713

PTPP = Pre-tax Pre-provision

1. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in "Appendix - Reconciliation of Non-GAAP Disclosures"

Note: all tables presented dollars in thousands, except per share amounts 13

EARNINGS PER SHARE, DILUTED

AVAILABLE TO COMMON SHAREHOLDERS ($)

RETURN ON EǪUITY (ROE) (%)

$1.93

$3.26

$2.97

$2.53

$2.24

$2.03

6.14%

9.68%

9.51%

8.27%

7.04%

6.16%

2020

2021

2022

2023

2024

2025

2020

2021

2022

2023

2024

2025

RETURN ON ASSETS (ROA) (%)

EFFICIENCY RATIO (%)

0.83%

1.32%

1.18%

0.98%

0.88%

0.80%

60.19%

61.91%

57.46%

61.32%

62.09%

65.16%

2020

2021

2022

2023

2024

2025

2020

2021

2022

2023

2024

2025

ADJUSTED OPERATING RETURN

ON TANGIBLE COMMON EǪUITY (ROTCE %)1

ADJUSTED OPERATING RETURN ON ASSETS (ROA %)1

ADJUSTED OPERATING EFFICIENCY RATIO (FTE %)1

17.1%

17.2%

16.9%

20.4%

1G.6%

1.16%

1.14%

1.33%

1.41%

1.11%

54.7%

54.2%

53.3%

49.7%

4G.G%

2022 2023 2024 2025 Ǫ1 2026

Peer Group

2022

2023

2024

2025

Top Ǫuartile

17.3%

15.4%

18.6%

Median

15.7%

15.0%

14.2%

16.2%

Ǫ1 2026 AUB Top Ǫuartile Performance

2022 2023 2024 2025 Ǫ1 2026

Peer Group

2022

2023

2024

2025

Top Ǫuartile

1.33%

1.24%

1.30%

1.53%

Median

1.21%

1.04%

1.11%

1.41%

Ǫ1 2026 AUB Median Performance

1.60%

2022 2023 2024 2025 Ǫ1 2026

Peer Group

2022

2023

2024

2025

Top Ǫuartile

52%

56%

49%

Median

56%

60%

57%

53%

Ǫ1 2026 AUB Median Ǫuartile Performance

4G.G%

47.8%

53.6%

1.41%

1G.6%

16.1%

14.8%

Ǫ1 2026 AUB Ǫ1 2026 Peer Top

Ǫuatile

Ǫ1 2026 Peer Median

Ǫ1 2026 AUB Ǫ1 2026 Peer Top

Ǫuartile

Ǫ1 2026 Peer Median

Ǫ1 AUB 2026 Ǫ1 2026 Peer Top

Ǫuartile

Ǫ1 2026 Peer Median

Data as of or for the twelve months ended each respective year, except for Ǫ1 2026 which is as of the three months ended March 31, 2026

2022 - 2025 peer group comparisons are from 2025 peer group used by our compensation committee as disclosed in our definitive proxy statement filed with the SEC on March 25, 2026. Ǫ1 2026 peer group is the 2026 peer group as defined by our compensation committee, which consists of publicly traded U.S. banks with assets (as of the end of the first quarter of 2026) ranging from approximately 59% to 329% of our asset size, taking into account the "compatibility" and "comparability" of each company by reviewing, among other things, asset size, geographical location, business model and practices. Peer data per SP Global Intelligence 15

Non-GAAP financial measure; See reconciliation to most directly comparable GAAP measure in "Appendix -- Reconciliation of Non-GAAP Disclosures"

At March 31, 2026

CAPITAL RATIO

REGULATORY WELL CAPITALIZED MINIMUMS

REPORTED

PRO FORMA INCLUDING AOCI G HTM UNREALIZED LOSSES

ATLANTIC UNION BANKSHARES

ATLANTIC UNION BANK

ATLANTIC UNION BANKSHARES

ATLANTIC UNION BANK

Common Equity Tier 1 Ratio (CET1)

6.5%

10.2%

13.1%

G.2%

12.1%

Tier 1 Capital Ratio

8.0%

10.8%

13.1%

G.7%

12.1%

Total Risk Based Capital Ratio

10.0%

14.0%

14.1%

13.0%

Leverage Ratio

5.0%

G.3%

11.3%

8.4%

10.4%

Tangible Equity to Tangible Assets (non-GAAP)1

8.5%

10.5%

8.4%

10.4%

Tangible Common Equity Ratio (non-GAAP) 1

8.0%

10.5%

7.G%

10.4%

As of 3/31/2026 As of 12/31/2025 % Change

Tangible Book Value per share

(non-GAAP) 1 -

$1G.G3 $1G.6G

1.2%

1. For non-GAAP financial measures, see reconciliation to most directly comparable GAAP measures in "Appendix - Reconciliation of Non-GAAP Disclosures"

* Capital information presented herein is based on estimates and subject to change pending the Company's filing of its regulatory reports 16

CAPITAL MANAGEMENT STRATEGY

ATLANTIC UNION CAPITAL MANAGEMENT OBJECTIVES ARE TO:

Maintain designation as a "well capitalized" institution.

Ensure capital levels are commensurate with the Company's risk profile, capital stress test projections, and strategic plan objectives.

THE COMPANY'S CAPITAL RATIOS ARE WELL ABOVE REGULATORY WELL CAPITALIZED LEVELS AS OF MARCH 31, 2026

On a pro forma standalone basis, the Company and the Bank would be well capitalized if unrealized losses on securities were realized at March 31, 2026.

CAPITAL MANAGEMENT ACTIONS

During the first quarter of 2026, the Company paid a common stock dividend of 37 cents per share, which was the same as the fourth quarter of 2025, and an increase of 8.8% from the first quarter of 2025 dividend amount.

During the first quarter of 2026, the Company paid dividends of $171.88 per outstanding share of Series A Preferred Stock

CAPITAL PRIORITIES

CONSOLIDATED COMMON EǪUITY TIER 1 CAPITAL RATIO

Target Range G.5%-10.5%

(We consider CET1 ratio > 10.5% at the holding company to be excess capital)

10.2% 10.3% 10.2%

10.2%

SUPPORT ORGANIC GROWTH

COMMON SHARE REPURCHASES

COMMON DIVIDEND PAYOUT RATIO TARGET OF 35%-45%

9.9%

10.0%

9.8%

10.0% 10.1%

2018 2019 2020 2021 2022 2023 2024 2025 Ǫ1 2026

ANNUAL COMMON STOCK DIVIDEND GROWTH

7% 7-year CAGR

$1.09 $1.16

$0.96 $1.00

$0.88

$1.22

$1.39

$1.30

2018 2019 2020 2021 2022 2023 2024 2025

ADJUSTED OPERATING EARNINGS RETURNED TO COMMON SHAREHOLDERS1

70%

62%

41%

44%

41%

42%

32%

$ (000s)

2018

2019

2020

2021

2022

2023

2024

2025

Ǫ1 2026

Total

Common Dividends

$58,001

$78,345

$78,860

$84,307

$86,899

$91,417

$112,007

$180,265

$52,750

$822,851

Share Buybacks

$80,280

$49,879

$125,000

$48,231

$303,390

Total

$58,001

$158,625

$128,739

$209,307

$135,130

$91,417

$112,007

$180,265

$52,750

$1,126,241

74% 77%

2018 2019 2020 2021 2022 2023 2024 2025 Ǫ1

2026

Data as of or for the twelve months ended each respective year, except for Ǫ1 2026 which is for the three months ended March 31, 2026. Total Common shareholder payout includes common share repurchases, common share dividends and adjusted operating earnings available to common shareholders (Non-GAAP).

1) See reconciliation to most directly comparable GAAP measure in "Appendix -- Reconciliation of Non-GAAP Disclosures" 17

1G% - 20%

Return on Tangible Common Equity

1.4% -1.5%

Return on Assets

46% - 48%

Efficiency Ratio (FTE)

Medium-Term Financial Targets1

KEY FINANCIAL PERFORMANCE OPERATING METRICS BENCHMARKED AGAINST TOP ǪUARTILE PROXY PEERS

Atlantic Union is committed to achieving top tier financial performance and providing our shareholders with above average returns on their investment regardless of the operating environment

We expect to achieve these financial targets in 2026

Medium-term is 2026 to 2027 18

KEY ASSUMPTIONS1

The Federal Reserve Bank does not cut the fed funds rate in 2026 and term rates remain stable

Assumes moderate GDP growth and a stable economy in AUB's branch footprint

Expect Virginia, Maryland, and North Carolina unemployment rate to rise but remain below the national unemployment rate in 2026

FULL YEAR 2026 OUTLOOK 1

Loans (end of period) $2G.0 - 30.0 billion

Deposits (end of period) $31.0 - 32.0 billion

ACL to loans: ~115 - 120 bps

Credit Outlook

Net charge-off ratio: ~10 - 15 bps

Net Interest Income (FTE) 2 ~$1.34 - $1.35 billion

Net Interest Margin (FTE) 2 ~3.G0% - 4.00%

Noninterest Income ~$220 - $230MM

Adjusted Operating Noninterest Expense2

(excludes amortization of intangible assets)

~$742- $752MM

Amortization of intangible assets ~$60MM

Tangible Book Value Growth Per Share ~12-15% growth

Information on this slide is presented as of April 21, 2026, reflects the Company's financial outlook, certain of the Company's financial targets, and key economic and other assumptions, and will not be updated or affirmed unless and until the Company publicly announces such an update or affirmation. The 2026 financial outlook, the Company's financial targets and the key economic assumptions contain forward-looking statements. These statements are based on current beliefs and expectations of our management and are subject to significant risks and uncertainties, including, but not limited to, volatility and uncertainty in the macro economic environment, changes in federal and state governmental policies, the imposition or expansion of tariffs, sustained inflationary pressures, macroeconomic conditions, and geopolitical instability. As a result, actual results or conditions may differ materially. See the information set forth below the heading "Forward-Looking Statements" on slide 2 of this presentation.

Refer to "Additional Information" slide and Appendix for non-GAAP disclosures. 19

OUR SHAREHOLDER VALUE PROPOSITION

ATTRACTIVE FINANCIAL PROFILE

LEADING REGIONAL PRESENCE

Dense, uniquely valuable presence across attractive markets

FINANCIAL STRENGTH

Solid balance sheet &

Solid dividend yield & payout ratio with earnings upside

capital levels

PEER-LEADING PERFORMANCE

Committed to top-tier financial performance

STRONG GROWTH POTENTIAL

Organic & acquisition opportunities

Positioned for growth and long-term shareholder value creation as a preeminent regional bank with a leading presence in attractive markets

Disclaimer

Atlantic Union Bankshares Corporation published this content on May 05, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 05, 2026 at 12:16 UTC.