Q3 2025 Atlantic Union Bankshares Corp Earnings Call Transcript

Oct 23, 2025 / 01:00 PM GMT

Release Date Price: €29.2

Transcript 10-Q8-K

Key Points

Positve

Successful integration of Sandy Spring acquisition, including core systems conversion and branch closures, enhancing operational efficiency.
Solid loan growth with a 4.3% annualized increase in average loans held for investment, indicating strong lending activity.
Improvement in non-interest-bearing deposits with a 4% annualized growth, contributing to a stable funding base.
Strength in fee income, particularly from interest rate swaps and wealth management, boosted by the Sandy Spring acquisition.
Improved credit quality with non-performing assets at a low 0.49% of total loans and a significant reduction in criticized asset levels.

Negative

Merger-related costs from the Sandy Spring acquisition continue to impact quarterly results, creating financial noise.
Increased charge-offs due to two commercial and industrial loans, affecting overall credit performance.
Decline in revolving credit utilization from 44% to 41%, impacting loan growth potential.
Non-interest income decreased significantly due to the absence of prior quarter gains from CRE loan sales and equity interest sales.
Challenges in forecasting loan growth due to economic uncertainties, with expectations for mid single-digit growth in a still uncertain environment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

AUB.N - Atlantic Union Bankshares Corp
Q3 2025 Atlantic Union Bankshares Corp Earnings Call
Oct 23, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good day and thank you for standing by.

Welcome to the Atlantic Union Bank shares 3rd quarter, 2025 earnings conference call. At this time, all participants are in a listen-only mood.

After the speaker's presentation, there will be a question-and-answer session.

To ask a question during the session, you will need to press 11 on your telephone.

You will then hear an automated message advising that your hand is raised. To withdraw your question, please press 11 again.

Please be advised that today's conference is being recorded. I'd now like to hand the conference over to your speaker today, Bill Semena, senior Vice President of Investor relations. Please go ahead.

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