AUB Atlantic Union Bankshares (AUB) Q3 FY26 earnings call
Atlantic Union Bankshares delivered a solid third quarter with healthy loan growth and strong credit quality, despite a challenging funding environment that pressured net interest margin. The company's strategic investments in North Carolina and disciplined capital allocation continue to support long-term growth and shareholder returns, while management remains focused on navigating evolving market conditions and maintaining balance sheet strength.
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AUB operating KPIs by quarter
| KPI | 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.