Q4 2025 Atlantic Union Bankshares Corp Earnings Call Transcript
Key Points
- Atlantic Union Bankshares Corp (AUB) reported strong fourth-quarter financial results, reflecting disciplined execution and successful integration of the Sandy Springs acquisition.
- Quarterly loan growth was approximately 6.3% annualized, ending the year at $27.8 billion, with pipelines higher at the end of the fourth quarter.
- The FTE net interest margin increased by 13 basis points to 3.96%, driven by reduced deposit costs and steady loan yields.
- Fee income was strong, primarily driven by loan-related interest rate swap fees and fiduciary and asset management fees.
- Credit quality showed continued strength with a fourth-quarter annualized net charge-off ratio of 1 basis point and a decline in nonperforming assets.
- Merger-related charges continue to affect quarterly results, although they are expected to decline in the first quarter of 2026.
- Deposit base experienced typical year-end fluctuations, with a decrease of $193.7 million or 2.5% annualized from the prior quarter.
- Noninterest expense increased by $4.8 million in the fourth quarter, primarily driven by merger-related costs.
- The allowance for credit losses as a percentage of total loans decreased by 1 basis point to 116 basis points at the end of the fourth quarter.
- There were noncredit-related losses on customer transactions, contributing to an increase in other expenses.
Good day, and thank you for standing by. Welcome to Atlantic Union Bankshares fourth-quarter 2025 earnings conference call. (Operator Instructions). Please note that today's conference is being recorded.
I will now hand the conference over to your speakers Bill Cimino, Senior Vice President of Investor Relations. Please go ahead.
Thank you, Olivia, and good morning, everyone. I have Atlantic Union Bankshares' President and CEO, John Asbury; and Executive Vice President and CFO, Rob Gorman, with me today. We also have other members of our Executive Management Team with us for the question-and-answer period.
Please note that today's earnings release and the accompanying slide presentation we are going through on this webcast are available to download on our investor website, investors.atlanticunionbank.com. During today's call, we will comment on our financial performance using both GAAP metrics and non-GAAP financial measures. Important information about these non-GAAP
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