AUB Atlantic Union Bankshares (AUB) Q1 FY26 earnings call
Atlantic Union Bankshares reported solid Q1 FY26 results, marking the successful conclusion of the Sandy Spring Bank integration. The underlying operating performance supports confidence in achieving full-year financial outlooks, with a focus now on demonstrating earnings power and capital generation. Despite some NIM pressure from lower accretion income and geopolitical uncertainties, the bank is well-positioned for sustainable growth in its attractive markets, driven by strong loan pipelines and customer deposit growth.
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AUB operating KPIs by quarter
| KPI | This call Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 3.85%Our reported FTE net interest margin declined 11 basis points to 3.85%, mainly because accretion income was lower compared to the elevated levels seen in Q4 '25.Source: earnings call transcript | 3.94%Reported FTE net interest margin increased 9 basis points to 3.94% driven primarily by higher accretion income compared with the first quarter.Source: earnings call transcript | +0.1 pt |
| Net interest margin Core | 3.45%Of note, excluding the impact of net accretion income, our core net interest margin increased by 4 basis points to 3.45% from 3.41% in the prior quarter, which is primarily driven by lower deposit costs, partially offset by lower core loan yields.Source: earnings call transcript | 3.46%Of note, excluding the impact of accretion income, our core net interest margin increased by 1 basis point to 3.46%.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.