Community Involvement

AUB continues to demonstrate our commitment to communities.

We're proud to show our support and to be a responsible corporate partner for the world around us. It is important that we give back to the communities around us to make them stronger, because when our communities are thriving, so are we.

Volunteerism

In 2025, 1,280 AUB Teammates dedicated 16,722 hours to volunteering, supporting 935 community-based organizations that are making a meaningful impact. Each hour represents a cause close to a Teammate’s heart and reflects our shared commitment to enriching the lives of the people and communities we serve.

Through hands-on service, our Teammates are helping local nonprofits, schools and organizations thrive—strengthening our communities and making a lasting difference where it matters most.

Month of Caring

In November 2025, Atlantic Union Bank launched our inaugural Month of Caring—a bank‑wide initiative encouraging Teammates to support their local communities through volunteer service and charitable giving.

Throughout the month, Teammates contributed nearly 1,550 volunteer hours, which Atlantic Union Bank matched through the Dollars for Doers program with a $5,800 donation to United Way affiliates. Additionally, 556 Teammates participated in the myGiving Spree, directing $13,780 in incentive dollars to CRA‑qualified nonprofit organizations across our footprint.

We also partnered with the American Heart Association to host a Nation of Lifesavers lunch and learn. Teammates gained hands‑on training on when and how to administer life‑saving CPR and use an AED, empowering them with skills that make a difference both at work and in the community.

A key highlight of our Month of Caring was the Sandwich Showdown, supporting Ronald McDonald House Charities (RMHC) and the families they serve. Volunteers purchased fresh ingredients, teamed up across six RMHC locations in North Carolina, Virginia, Washington, D.C. and Maryland and raced to assemble as many sandwiches as possible in two minutes. This spirited competition produced 379 lunches for RMHC families, with the RMHC Southwest Virginia team leading the pack with 47 sandwiches in just two minutes!

Together, Atlantic Union Bank Teammates showed what it truly means to live our values—Caring, Committed, and Courageous—and created a ripple effect of service that will continue to carry us forward.

month of caring

AUB's Annual Volunteer Awards

We recognize the outstanding service of our Teammates with AUB's Annual Volunteer Awards. Our 2025 winners are: Vashon Noel, Emerging Community Impact Maker; Amy Ripley Baker, Commitment to Community Award; Gregory Godsey, Leadership Award; and Lauren Whited, Volunteer of the Year.

Teammates pictured: John Asbury, Amy Ripley Baker, Vashon Noel, Lauren Whited, Gregory Godsey, Maria Tedesco

2025 Volunteer of the Year — Lauren Whited

Each year, the Volunteer of the Year Award recognizes a Teammate who generously dedicates their time, compassion, and talents to strengthening our communities. In 2025, we were proud to celebrate Lauren Whited, whose unwavering commitment to service truly embodies what it means to live our values every day.

Lauren devotes much of her volunteer work to the faith community and early childhood learning—two areas she feels deeply connected to. For her, these spaces offer opportunities to support and uplift individuals from their earliest years, creating a foundation of care, stability and belonging. They fuel her drive to serve with intention and compassion.

“I truly root myself in thankfulness for all that I have and part of that is the ability to give to others. Serving others is a core tenet of who I am, and it is important to me that I live that out with purposeful action as often as possible.”

Building a workforce for tomorrow

Atlantic Union Bank is committed to cultivating the next generation of banking talent by creating meaningful pathways into the financial industry.

The Enterprise Internship Program is designed to attract and develop future banking professionals by providing meaningful, hands‑on experience across key lines of business. Interns gain direct exposure to our operations while participating in curated professional development and community engagement opportunities. As a modern, evolving program, intern roles adapt each year based on the needs of hosting business units, ensuring students receive a broad, inclusive, and well‑rounded introduction to the finance industry - creating space for the next generation of finance professionals.

We also sponsor fellowships with the Virginia Bankers Association. The Fellows Program provides students from Virginia’s community colleges with hands-on banking experience, professional development and opportunities to engage with leaders across the financial industry. In addition to gaining valuable career insights, Fellows collectively completed over 900 hours of community service this year—demonstrating a deep commitment to both their education and their communities.

Our Future Impact Makers Grant addresses a critical gap in workforce development by funding paid internships at nonprofits and community organizations that primarily serve low‑ to moderate‑income populations. In 2025, we awarded 50 grants to organizations across North Carolina, Virginia, Washington, D.C., and Maryland. These grants provide vital support to organizations as they carry out their missions while also empowering students—who might otherwise be unable to accept an unpaid position—to gain valuable professional experience, participate in development sessions led by Atlantic Union Bank, and take meaningful steps toward their careers.

Beyond our college‑level programs, we are committed to providing early career exposure for youth. To introduce younger students to the many career pathways within the financial sector, we partner with schools, after‑school programs such as Boys and Girls Clubs, and large‑scale career fairs like Mission Tomorrow—a regional event that engages nearly 12,000 eighth‑grade students each year. Through guest speakers, interactive games, and reading activities, students explore high‑demand fields and begin making informed decisions about their educational and career pathways.

interns

Our Communities

In 2025, we donated over $4.5 million to 791 community-based organizations supporting local causes and initiatives through sponsorships and grants that strengthen the communities we serve.

Our top giving priorities are grants and donations to community-based organizations that fund activities that provide community members with access to a safe and affordable place to call home, create and provide economic development opportunities and deliver programming that brings financial education to our communities to prepare people for healthier financial lives.

myGiving

AUB matches up to $500 a year per Teammate when they give to community based non-profit organization meeting our myGiving guidelines..

In 2025, our program guidelines widened nationally—expanding our charitable impact between Teammate giving and AUB matching over $170,000 was distributed to causes important to our Teammates - a 13% increase over 2024.

Suter Street Housing Development

Atlantic Union Bank's commitment to strengthening our communities comes to life through partnerships that make a meaningful, lasting impact. One recent example is the four-year journey supporting the development of 21 much‑needed affordable housing units in Harrisonburg, Virginia.

What began as a conversation in the office of Teammate Erik Govoni grew into a collaborative, multi‑department effort: Consumer Banking assisting with business accounts and personal lines of credit for guarantors, Wholesale Banking providing construction financing and Mortgage supporting prospective buyers—this project reflects the power of cross‑bank partnership.

The effort came full circle when Erik volunteered alongside Central Valley Habitat for Humanity to finish the final units on Suter Street. These homes mark an important milestone in the shared mission to create safe, affordable housing opportunities for local families.

This project exemplifies how we live our values: by showing up, working together and investing in brighter futures for the communities we serve.

Sutter Street

Community Development Loans and Investments

We recognize that affordable housing and community revitalization are essential to building stronger, more resilient communities. That’s why we are committed to making impactful Community Reinvestment Act investments that create opportunities for individuals, families and businesses across our footprint.

Our 2025 Impact:

$269 million in community development loans across 40 projects, supporting initiatives that drive economic growth, affordable housing development and revitalization efforts.
$82 million invested in affordable housing, expanding access to safe and stable homes for low-to-moderate-income individuals and families.
$3.1 million in investments for small business financing, providing entrepreneurs with resources to create or retain jobs, providing entrepreneurs with resources to keep their business strong.

Through these strategic investments, we are funding projects that create more affordable housing, support small businesses and revitalize neighborhoods. Every dollar we invest reflects our deep commitment to strengthening communities and making economic opportunities more accessible.

We don’t just invest in projects—we invest in people, neighborhoods and a brighter future for the communities we serve.

Inclusive Sourcing Statement

We are committed to establishing and maintaining supplier relationships that deliver the highest level of service, quality and value. We know having a variety of suppliers is important in developing innovative business solutions and delivering the best value and service to customers and the overall community. We seek to develop networks of capable suppliers, not only to meet our own sourcing needs but to enable these businesses to become pillars of the industries and communities where they operate.

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.