2025 Corporate Social Responsibility (CSR) Report

Cautionary Information and Forward–Looking Statements

The information provided in this report reflects Atlantic Union Bankshares Corporation’s (the “Company”) approach to corporate social responsibility related matters as of the date of publication and is subject to change without notice. Our approach to inclusion of disclosures in this report is different from disclosures included in mandatory regulatory reporting, including under U.S. Securities and Exchange Commission (“SEC”) regulations, if applicable. Any inclusion of information in this report is not an indication that the subject or information is material to us for SEC reporting purposes or any other purposes, including any investment or voting decision with respect to Company securities. This report is intended to highlight some of the work of the Company in the areas of corporate social responsibility. It is not comprehensive or necessarily representative of all of our activities in those areas. 

This report contains certain forward–looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, statements relating to our plans, expectations, efforts, programs, goals, projections, and statements that include other projections, predictions, expectations or beliefs about future events or results or otherwise are not statements of historical fact. Such forward-looking statements are based on certain assumptions as of the time they are made, and are inherently subject to known and unknown risks, uncertainties, and other factors, some of which cannot be predicted or quantified, that may cause actual results, performance, or achievements to be materially different from those expressed or implied by such forward-looking statements. Forward–looking statements are often characterized by the use of qualified words (and their derivatives) such as “expect,” “seek to,” “strive to,” “anticipate,” “vision,” “committed,” “believe,” “intend,” “estimate,” “continue,” “plan,” “project,” “target,” “goal,” “will,” “may,” “view,” “potential,” or words of similar meaning or other statements concerning opinions of judgment of the Company and our management about future events. Although we believe that our expectations with respect to forward-looking statements are based upon reasonable assumptions within the bounds of our existing knowledge of our business and operations, there can be no assurance that actual future results, performance, or achievements of, or trends affecting, us will not differ materially from any projected future results, performance, achievements or trends expressed or implied by such forward-looking statements. Actual future results, performance, achievements or trends may differ materially from historical results or those anticipated depending on a variety of factors, including, but not limited to: changes in general economic, political, or industry conditions particularly in the markets in which we operate and which our loans are concentrated, including the effects of declines in real estate values, inflation, an increase in unemployment levels, U.S. fiscal debt budget and tax matters, U.S. government shutdowns, and slowdowns in economic growth; changes in market interest rates and their related impact on macroeconomic conditions, customer and client behavior, our funding costs, and our loan and securities portfolio; volatility and disruptions in capital and credit markets or in the financial services sector; competitive pressures on product pricing and services; success, impact, and timing of our business strategies; legislative or regulatory changes and requirements, including changes impacting the rulemaking, supervision, examination and enforcement priorities of the federal banking agencies; monetary, fiscal and regulatory policies of the U.S. government; potential claims, damages, and fines related to litigation or government actions; technological risks and developments, and cyber threats, attacks, or events; and data quality and availability. Please also refer to such other factors as discussed throughout Part I, Item 1A. “Risk Factors” and Part II, Item 7, “Management’s Discussion and Analysis of Financial Condition and Results of Operations” of our Annual Report on Form 10–K for the year ended December 31, 2025, and related disclosures in other filings, which have been filed with the SEC and are available on the SEC’s website at www.sec.gov. All risk factors and uncertainties described herein and therein should be considered in evaluating forward-looking statements, and all the forward-looking statements are expressly qualified by the cautionary statements contained or referred to herein and therein. Readers are cautioned not to rely too heavily on forward-looking statements, which speak only as of the date they are made. We do not intend or assume any obligation to update, revise or clarify any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law. 

No reports, documents or websites that are cited or referenced to in this report shall be deemed to form any part of this report. Information contained in this report that has been obtained from third-party sources, including those publicly available, is believed to be reliable, but no representation or warranty is made by the Company as to the quality, completeness, accuracy, fitness for a particular purpose or non-infringement of such information. Sources of third-party information referred to herein retain all rights with respect to such data and use of such data by the Company herein shall not be deemed to grant a license to any third party.

This report was published on March 10, 2026.