Updated
The most significant concentration Atlantic Union Bankshares Corpo discloses is commercial and residential real estate loans, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Atlantic Union Bankshares Corpo’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1: 'A substantial portion of our loan portfolio is represented by commercial and residential real estate loans (including acquisition and development loans and residential construction loans).'”
“10-K Item 1: 'Our deposits are primarily made to customers based in Virginia, Maryland, Washington, D.C., and North Carolina.'”
“10-K Item 1: 'The Company is registered as a bank holding company with the Federal Reserve ... we are subject to comprehensive regulation, examination and supervision by the Federal Reserve'”
The company's disclosed concentration profile is anchored in three structural dimensions that are typical of a regional bank holding company operating in mid-Atlantic markets. The loan book carries a meaningful tilt toward commercial and residential real estate, including acquisition, development, and residential construction loans. By disclosed size this is a moderate-share exposure with a structural character — reflecting the types of lending that community and regional banks in this geography naturally concentrate in, rather than idiosyncratic bets on individual borrowers. The geographic footprint is similarly structural: deposits are drawn primarily from customers in Virginia, Maryland, Washington D.C., and North Carolina, a moderate-share concentration that reflects the company's franchised operating territory rather than a choice to shun diversification. These two exposures reinforce each other — a severe regional economic downturn would stress both the loan book composition and the deposit base simultaneously. The third disclosed exposure is regulatory: the company operates as a bank holding company under comprehensive oversight of the Federal Reserve, a structural reality rather than an idiosyncratic risk. No single large counterparty, customer, or supplier concentration is disclosed on top of these three. On balance, the profile is consistent with a typical regional bank — geographic and product-type concentration that is deliberate and well-understood, with regulatory oversight as the structural frame.
For the engine’s reasoning on AUB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB● | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| BANR | Banner Corporation | 0 | 2 | 0 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.