Atlantic Union Bankshares (AUB) - 2025 Q2 - Earnings Call Presentation

Financial Performance - Q2 2025 net income available to common shareholders was $16824 thousand, or $0.12 per diluted share[40] - Adjusted operating earnings available to common shareholders increased $836 million to $135145 thousand[43] - Q2 2025 adjusted operating return on tangible common equity was 238%[26] - Q2 2025 adjusted operating return on assets was 146%[26] - Q2 2025 adjusted operating efficiency ratio (FTE) was 4831%[26] Loan and Deposit Growth - Assuming the Sandy Spring acquisition closed on March 31 instead of April 1, and excluding both the loan fair value marks on the acquired loans and the effect of the CRE loan sale transaction, loan growth was approximately 4% annualized in Q2 2025[25] - Paid down approximately $340 million in brokered deposits[25] - At June 30, 2025, loans held for investment totaled $273 billion, an increase of $89 billion from the prior quarter[58] - At June 30, 2025, total deposits were $310 billion, an increase of $105 billion from the prior quarter[58] - Noninterest-bearing demand deposits accounted for 23% of total deposit balances at the end of the second quarter of 2025[58] Asset Quality and Capital - Q2 2025 net charge-offs at 1 basis point of total average loans held for investment annualized[26] - Increased Allowance for Credit Loss to 125% of loans held for investment[26] - Loan/Deposit ratio of 882% at June 30, 2025[25] - Common Equity Tier 1 Ratio (CET1) is 98%[59]