REGULATORY MATTERS AND CAPITAL (Tables) 10K

12 Months Ended

Dec. 31, 2025

Regulatory Capital Requirements [Abstract]

Schedule of Bank Capital Amount and Ratio

The Company and the Bank’s capital amounts and ratios are also presented in the following table as of December 31, (dollars in thousands):

					Required for Capital			Required in Order to Be
	Actual				Adequacy Purposes (1)			Well Capitalized (2)
	Amount		Ratio		Amount		Ratio	Amount	Ratio
2025
Common equity Tier 1 capital to risk weighted assets:
Consolidated	$	3,074,066	10.10	%	$	1,369,633	4.50%	NA	NA
Atlantic Union Bank		3,952,859	13.02	%		1,366,196	4.50%	1,973,394	6.50%
Tier 1 capital to risk weighted assets:
Consolidated		3,240,422	10.64	%		1,827,306	6.00%	1,827,306	6.00%
Atlantic Union Bank		3,952,859	13.02	%		1,821,594	6.00%	2,428,792	8.00%
Total capital to risk weighted assets:
Consolidated		4,232,521	13.90	%		2,435,983	8.00%	3,044,979	10.00%
Atlantic Union Bank		4,245,839	13.98	%		2,429,665	8.00%	3,037,081	10.00%
Tier 1 capital to average adjusted assets (Leverage):
Consolidated		3,240,422	9.10	%		1,424,361	4.00%	NA	NA
Atlantic Union Bank		3,952,859	11.13	%		1,420,614	4.00%	1,775,768	5.00%
2024
Common equity Tier 1 capital to risk weighted assets:
Consolidated	$	2,063,163	9.96	%	$	932,152	4.50%	NA	NA
Atlantic Union Bank		2,563,499	12.44	%		927,311	4.50%	1,339,449	6.50%
Tier 1 capital to risk weighted assets:
Consolidated		2,229,519	10.76	%		1,243,226	6.00%	1,243,226	6.00%
Atlantic Union Bank		2,563,499	12.44	%		1,236,414	6.00%	1,648,552	8.00%
Total capital to risk weighted assets:
Consolidated		2,819,398	13.61	%		1,657,251	8.00%	2,071,564	10.00%
Atlantic Union Bank		2,740,617	13.30	%		1,648,491	8.00%	2,060,614	10.00%
Tier 1 capital to average adjusted assets (Leverage):
Consolidated		2,229,519	9.29	%		959,965	4.00%	NA	NA
Atlantic Union Bank		2,563,499	10.74	%		954,748	4.00%	1,193,435	5.00%

⁽¹⁾ Amounts and ratios shown do not include the impact of a capital conservation buffer of 2.50%.

⁽²⁾ Reflects the well-capitalized standard under Regulation Y for Atlantic Union Bankshares Corporation and the prompt corrective actions framework for Atlantic Union Bank.