Dominant Virginia Market Presence: Atlantic Union Bankshares Corporation holds a strong and well-established market position within Virginia, providing a competitive advantage through brand recognition, an extensive branch network, and deep community ties in its primary operating region.

Robust Core Deposit Franchise: AUB benefits from a stable and cost-effective core deposit base, which provides a reliable funding source for its lending activities and contributes to lower overall funding costs compared to peers with higher reliance on wholesale funding.

Diversified Loan Portfolio: The company maintains a well-diversified loan portfolio across various categories including commercial, real estate, and consumer loans, which helps to mitigate credit concentration risks and offers multiple avenues for revenue generation and growth.