Financial Inclusion

Accessible Banking Solutions

We are committed to increasing people’s access to financial tools by ensuring our products are designed with affordability in mind for the communities we serve. This helps people access financial freedom for themselves and their families. Our Steps Toward Achieving Results (STAR) program is designed to make owning a home an affordable reality. This year, through our STAR program, we helped 334 families reach their goals of homeownership or home improvement.

Since 2022, our PRISM Checking/Savings accounts have been Bank On certified, meeting standards for safe, low-cost financial products. These accounts offer a low minimum opening deposit, a low monthly maintenance fee, no overdrafts, free branch access and functionalities like Bill Pay and Online Banking.

To further support financial access, PRISM accounts come with waived fees for our youngest and senior customers. Additionally, we offer Thank U Checking, a low-cost account option for military personnel, educators, healthcare professionals and first responders.

Round Up Savings

In 2024 we introduced Round-Up Savings – an easy way for people to save. Round-Up Savings rounds up every transaction made with a debit card to the nearest whole dollar and moves the extra into a savings account. This helps customers automatically save small amounts that can really add up over time. Last year, our customers collectively "rounded up" and moved $1.375 million to savings accounts.

Opening Doors to Homeownership

We believe that owning a home shouldn’t be out of reach—especially for those working hard to achieve it. That’s why we are committed to providing down payment assistance, affordable loan options and community-focused lending to help individuals and families turn their homeownership dreams into reality.

In 2025 alone, we:

Provided $835,000 in down payment assistance to support 64 homebuyers, making homeownership more accessible.
Helped 230 first-time buyers secure financing, guiding them through the process with personalized support.
Funded over $47.4 million mortgages in low-to-moderate income (LMI) areas and underserved communities, increasing access to housing opportunities.

For many, purchasing a home is one of the most significant financial steps they will take. Whether it’s a young family buying their first home, a longtime renter finally achieving homeownership or a community member finding stability in an affordable home, we are here to offer qualified buyers the financial resources and guidance needed to make it happen.

Community Lending Specialists (CLS) serve as a bridge between Atlantic Union Bank and the communities that need financial access the most. The CLS team's mission is to extend banking services, products and financial education to low to moderate income (LMI) neighborhoods and other under resourced areas, providing individuals and families with the tools to build long-term financial stability.

The CLS team works closely with community organizations, housing partners and local businesses to bring financial guidance directly into the neighborhoods they serve. The team has a strong focus on supporting first time homebuyers, offering education on the homebuying process, credit readiness, budgeting and long term financial planning. CLS provides personalized support to help potential homebuyers strengthen their financial profile—whether through improving credit, building healthier financial habits or better understanding the steps that lead to sustainable homeownership.

Through this relationship driven approach, CLS helps expand responsible access to capital, supports financial empowerment and increases opportunities for homeownership and economic mobility in the communities that need it most.

Helping when times are tough

When unexpected challenges affect our communities or our customers, Atlantic Union Bank stands ready to respond with compassion and practical solutions. Throughout 2025, the Mortgage Assistance Center (MAC) supported more than 650 homeowners facing financial hardship. At its core, MAC serves homeowners experiencing unexpected challenges—such as job loss, medical emergencies or the passing of a loved one. By offering customized solutions like loan modifications, forbearances and alternative options, MAC has helped numerous families avoid foreclosure and find a path forward. In 2025 alone, these efforts restructured or deferred more than $16 million in mortgage obligations, enabling families to remain in their homes.

Our commitment was especially evident during the 2025 federal government shutdown, when many families and businesses experienced heightened financial strain. In response, Atlantic Union Bank implemented a month‑to‑month payment deferral program for mortgages, HELOCs, HELOANs and Tranches, administered primarily through MAC. Several departments throughout the bank also assisted in waiving late and other fees to ease additional strain. These efforts protected borrowers’ credit standing and provided critical relief to more than 130 clients.

Banzai Financial Education Program

Learning about money is an eye-opener and door-opener to future success. That's why Atlantic Union Bank sponsors Banzai, an online financial education platform, giving educators, students and community members free access to fun, easy to follow lessons right on their smartphone or computer.

Since partnering with Banzai, AUB has been able to help more than 42,000 students and 885 educators in our service areas to become better prepared for a successful financial future.

Many options exist for financial education teaching materials. Unfortunately, most of the options available do not engage students with interesting and relevant material that is based on the real world. The Banzai Financial Literacy Program teaches proven principles through real life scenarios in an interactive virtual environment. Students are able to work at their own learning pace. Representatives from Atlantic Union Bank have also made themselves available to provide in-class support to students working through the program.

In addition to teaching financial skills in the classroom, we believe it’s never too late to begin your financial journey. With online platforms making learning more accessible than ever, financial education is within reach for all ages. As part of our ongoing commitment to the communities we serve, empowering individuals through financial literacy is a top priority. Our goal is to support schools, teachers, students and community members in building stronger financial futures.

Visit Banzai

2025 Banzai Numbers:

173 Sponsored Schools
14,740 Workbooks Ordered
84 New Teachers
3,748 Total Student Sign-Ups
10,150 Student Logins
8,680 Hours Spent
56% Average Pre-Test Score
80% Average Post-Test Score

Solutions Banking

Solutions Banking is a financial wellness program for businesses as a no-cost component of their employee benefits package. Atlantic Union Bank provides the companies' employees with special banking rewards and tailored financial education through one-to-one consultation, tailored seminars, webinars and our on-demand financial education platform with Banzai.

In 2025, our Solutions Banking team made a measurable impact:

377 companies participated in the program.
290 site visits were conducted to deliver tailored support directly to businesses.
154 financial education events were hosted to help employees at all levels enhance their financial well-being.
Over 1,800 were reached with financial education.
938 hours volunteered.

Through Solutions Banking, Atlantic Union Bank is:

making financial education accessible to workplaces throughout the bank’s footprint
addressing the unique needs of employees from entry level to the C-suite
reducing a top workforce pain point of attracting and retaining talent with our added employee financial wellness benefit.

We want businesses to have the tools to empower their teams with financial education. We believe in equipping employees with the knowledge and tools they need to thrive financially.

Teammates pictured: Cheryl Kirby, Vanessa Sungalo, Jennifer Huffman, Tonya Young

Small business loans make an impact

We are committed to strengthening our business ecosystem by providing small businesses with the financing they need to grow, create jobs and drive economic success. In 2025, Atlantic Union Bank was the top SBA 7a lender for a bank that is headquartered in Virginia, with over $45 million in loans. We are committed to helping businesses across our communities thrive.

As a Preferred SBA Lender, our experienced Relationship Managers guide business owners through the benefits of SBA 7a, 504 and Express loans, helping them select the financing options for their unique needs. From navigating documentation and approvals to structuring loan terms that align with their goals, we are dedicated to making the lending process seamless.

Beyond our SBA lending, our in‑branch business loans play an equally vital role in fostering thriving local economies. Smaller-dollar loans often serve as the first spark that helps entrepreneurs launch, stabilize or expand their operations—whether that’s purchasing essential equipment, hiring their first employee or managing seasonal cash flow. By offering personalized guidance and relationship-based lending, our branch teams ensure that even modest investments can create a meaningful, measurable impact for the businesses and communities we serve. In 2025, our branch network supported 84 small businesses with loans totaling $3.47 million.

Pictured: AUB Head of SBA Lending John Young with SBA Chief Linda Reilly and Business Finance Group (BFG) Chair, Scot Browning.

Business Support & Community Impact

Atlantic Union Bank is committed to helping bring business visions to life while strengthening the communities we serve. We work alongside local businesses to help them build on their success and take their companies to the next level with a financial partner they can trust.

Our team of 29 Business Bankers and 4 Team Leaders are dedicated to supporting small businesses across our footprint. In 2025, we funded more than $108,743,609 in loans and connected 678 clients with our trusted Atlantic Union Bank partners. These efforts reflect our commitment to fostering economic growth, expanding opportunity, and empowering entrepreneurs to thrive.

Our responsibility to the community extends beyond banking. We reinvested more than $200,000 back into our business communities through donations, sponsorships and memberships—supporting organizations and initiatives that strengthen local economies and contribute to long term community prosperity.

Atlantic Union Bank remains focused on helping ensure a thriving future for the businesses and communities we proudly serve.

A Trusted Partner

At Atlantic Union Bank, we are deeply committed to understanding the needs of women and minority owned businesses and equipping them with the tools, resources and support needed to thrive. Through strong affinity partnerships across our communities, we participate in workshops, seminars, and networking opportunities designed to promote education, financial empowerment and business development. Our dedicated team of Bankers works closely with entrepreneurs to help them make informed financial decisions and confidently pursue their business goals.

In 2025, we partnered with 17 women and minority organizations through donations, sponsorships and memberships. Our team attended, volunteered at, and facilitated more than 35 meetings and events focused on financial literacy for small business owners. We also responded to over 128 inquiries from entrepreneurs seeking guidance through our Women and Minority Business Banking website.

We remain committed to being a trusted partner and advocate for the businesses we serve—today and in the years ahead.

Teammates pictured: Brenda Hisghman, Katrice Howard, Angela Sadsad and Neddal Abu-Taa

Our Customer: Heba's Health Foods

Walk into Heba's Health Foods & Elwazeer Market, and you’ll know you’ve stepped into a community meeting place. With the owner, Ebram Ibrahem, often working the counter, he greets his regular customers by name.

As Ebram looks to expand throughout Virginia, Maryland and beyond, his Atlantic Union Bank Relationship Manager, Paul Reilly, is with him every step of the way. Ebram loves that he has a bank where his business is a priority. As Ebram says, “it’s more than a business relationship – it feels like a partnership. Paul is always available, supportive and treats us like part of the Atlantic Union Bank family.” That personal connection has helped him expand his business to a second and third location.

Fair Banking and Lending

Atlantic Union Bankshares Corporation and its subsidiary Atlantic Union Bank are committed to policies and practices that foster fair and equal treatment by proactively working to ensure that equal treatment, full disclosure of account processes and understandable product terms are mainstays within all the financial products and processes offered by Atlantic Union Bank. Atlantic Union Bank operates within a strong framework of consumer protection laws, including the Community Reinvestment Act and all Fair Banking laws and regulations, which are designed to promote equitable access to financial services and responsible banking practices. Atlantic Union Bank is committed to meeting both the letter and the spirit of the requirements as part of how we serve our customers, communities, and stakeholders. Atlantic Union Bank requires training to educate and inform all Teammates of the necessity to avoid discriminatory, unfair, deceptive, or abusive practices related to all aspects of banking and to ensure that all Atlantic Union Bank customers are treated in a fair and equitable manner.

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.