Atlantic Union Bankshares competitors
and the alternatives

Last updated Oct 20, 2026 · 8 peers · 65 sources cited

Who are Atlantic Union Bankshares's competitors, and what are the alternatives?

Atlantic Union's 2025 10-K, filed February 26, 2026, says it competes with large national and regional financial institutions, credit unions, community banks, consumer finance and mortgage companies, mutual funds, life insurers and fintech companies across 178 branches in Virginia, Maryland, Washington, D.C. and North Carolina. In Virginia its 6.3% deposit share makes it the largest regional bank headquartered in the state, but the investor-day table ranks it 4th behind Truist (21.3%), Wells Fargo (14.5%) and Bank of America (10.5%), with TowneBank (5.6%) and United Bankshares (4.2%) next. In Maryland it ranks 7th with 5.4%, behind Bank of America, Truist, M&T, PNC, Wells Fargo and Capital One. In North Carolina it is a newcomer: 26th with 0.4% of deposits and 11 branches before a plan for seven Raleigh and three Wilmington branches, where Truist, Wells Fargo, First Citizens and Bank of America lead. In commercial banking the rivals are the same large banks plus regionals expanding in the Carolinas, such as F.N.B. and Pinnacle. The non-bank rivals are named in the 10-K itself: fintech companies, brokerage accounts and prepaid cards that hold funds once kept in bank deposits, and payment stablecoins under the July 2025 GENIUS Act. Chime, with 10.4 million active members, sells a branchless account; Block lists banks among Cash App's and Square's competitors.[1][2][3][4][5][6]

Data as of Oct 20, 2026 · Atlantic Union profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

What does Atlantic Union say about its competition?

"The financial services industry remains highly competitive and is constantly evolving. We experience strong competition in all aspects of our business. In our market areas, we compete with large national and regional financial institutions, credit unions, other independent community banks, as well as consumer finance companies, mortgage companies, loan production offices, mutual funds, life insurance companies and fintech companies. Competition for deposits and loans is affected by various factors including, without limitation, interest rates offered, the number and location of branches and types of products offered, digital capabilities, and the reputation of the institution. Credit unions increasingly have been allowed to expand their membership definitions, and because they enjoy a favorable tax status, they may be able to offer more attractive loan and deposit pricing. Our non-bank affiliates also operate in highly competitive environments."[1]

"In addition, non-bank competitors are increasingly offering products and services that traditionally were only offered by banks. Many of these non-bank competitors are not subject to the same extensive federal regulations that govern bank holding companies and federally insured banks, which may allow them to offer greater lending limits and certain products and services that we do not provide."[1]

"We believe our community focused banking framework and philosophy provides us with a competitive advantage, particularly with regard to larger national and regional institutions, allowing us to compete effectively. Additionally, our attention to incorporating digital technology has made it possible for us to provide our customers with electronic, mobile, and internet-based financial solutions, such as online deposit accounts and electronic payment processing. Our deposit market share in Virginia was 6.3% of total bank deposits as of June 30, 2025, based on FDIC deposit data, and we were the largest regional bank headquartered in Virginia at that time. Our deposit market share in Maryland was 4.8% of total bank deposits as of June 30, 2025, based on FDIC deposit data, contributing to make us the largest regional bank headquartered in the lower mid-Atlantic at that time."[1]

From the risk factors of the same 10-K: "Our primary competitors include community, regional, national and internet banks, as well as credit unions and mortgage companies. Many of these financial institutions are significantly larger and have established customer bases, greater financial resources, and higher lending limits." And: "We face increasing competition from fintech companies, as trends toward digital financial transactions have accelerated." The filing adds that payment stablecoins under the GENIUS Act "could result in increased competition with respect to our deposit products." (2025 Form 10-K, filed February 26, 2026.)[1]

Who competes with Atlantic Union in each of its businesses?

Business lineCompetitorTypeWhy it competes
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaTruistBankTruist's 2025 10-K ranks it 3rd by deposit share in Virginia and Maryland, 2nd in North Carolina and 5th in Washington, D.C., with 259 Virginia, 138 Maryland and 276 North Carolina branches; Atlantic Union's investor-day table puts Truist 1st in Virginia with 21.3% of deposits.[7][2]
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaTowneBankBankRanked 5th in Virginia deposits with 5.6% and 59 branches in Atlantic Union's investor-day table, and 2nd among Virginia-headquartered banks; TowneBank serves Virginia, North Carolina and South Carolina and bought Old Point and North Carolina's Dogwood State Bank in 2025 and 2026.[2][8][9]
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaUnited BanksharesBankUnited's 10-K counts 100 offices in Virginia's Shenandoah Valley, Northern Neck, Richmond and Lynchburg areas and the Northern Virginia, Maryland and Washington, D.C. metro, and 43 in North Carolina; it ranks 6th in Virginia deposits with 4.2% in the investor-day table, and sits in Atlantic Union's proxy peer group.[10][2][11]
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaCapital OneBankHeadquartered in McLean, Virginia; its 10-K places its branches and cafés primarily in New York, Louisiana, Texas, Maryland, Virginia, New Jersey and the District of Columbia. It ranks 6th in Maryland deposits (6.4%, 42 branches) in the investor-day table.[12][2]
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaM&T BankBankM&T's 10-K says its banking activities are largely focused on consumers in New York, Maryland and other Northeastern and Mid-Atlantic states, with 942 domestic banking offices including Washington, D.C.; it ranks 3rd in Maryland deposits with 10.6% and 157 branches in the investor-day table.[13][2]
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaFirst Citizens BancSharesBankFirst Citizens' 10-K makes it the third-largest bank in North Carolina by deposit share (11.8% including its Direct Bank, June 30, 2025) with 209 North Carolina branches, in the state where Atlantic Union plans ten new branches.[14][3]
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaF.N.B. CorporationBankF.N.B. has 355 branches in Pennsylvania, Ohio, Maryland, West Virginia, the Carolinas, Washington, D.C. and Virginia, ranks 7th in North Carolina deposits (3.8%, 94 branches) in Atlantic Union's investor-day table, and plans almost 30 new Southeast and Mid-Atlantic branches.[4][2][15]
Home region: Virginia, Maryland, Washington, D.C. and North CarolinaFulton FinancialBankFulton's 10-K defines a five-state market of Pennsylvania, Delaware, Maryland, New Jersey and Virginia; it sits in Atlantic Union's 2025 compensation peer group.[16][11]
Retail deposits, checking and everyday digital bankingBank of AmericaBankRanked 1st in Maryland deposits (16.1%), 3rd in Virginia (10.5%) and 4th in North Carolina (8.8%) in Atlantic Union's investor-day table; it reports 60 million clients using its digital capabilities.[2][17]
Retail deposits, checking and everyday digital bankingWells FargoBankRanked 2nd in Virginia (14.5%, 178 branches) and North Carolina (16.2%, 217 branches) and 5th in Maryland in the investor-day table; more than 33 million mobile active users (February 2026).[2][18]
Retail deposits, checking and everyday digital bankingChimeFintechOne of the fintech companies Atlantic Union's 10-K names as a competitor class; Chime's own 10-K claims 'a significant cost advantage compared to traditional banks' by avoiding branches and ATMs, and it had 10.4 million active members at June 30, 2026.[1][19][5]
Retail deposits, checking and everyday digital bankingCash App (Block)FintechAtlantic Union's 10-K says consumers can now hold funds in general-purpose reloadable prepaid cards and pay bills or transfer funds without banks; Block's 2025 10-K lists banks among Cash App's competitors in peer-to-peer payments and debit cards.[1][6]
Retail deposits, checking and everyday digital bankingCredit unions in the footprintCredit unionAtlantic Union's 10-K says credit unions have been allowed to expand their membership definitions and, because of their favorable tax status, may be able to offer more attractive loan and deposit pricing.[1]
Commercial, middle-market and treasury bankingPNCBankRanked 4th in Maryland (10.1%, 118 branches), 5th in North Carolina (4.8%) and 7th in Virginia (2.3%) by deposits in Atlantic Union's investor-day table; Atlantic Union's Wholesale Banking segment serves commercial clients across the same states.[2][1]
Commercial, middle-market and treasury bankingTruist (wholesale banking)BankTruist's 10-K describes commercial and corporate banking, investment banking and capital markets and treasury management for clients primarily within its footprint, which covers all of Atlantic Union's states; Atlantic Union sells treasury management and capital market services such as swaps and loan syndications.[7][1]
Commercial, middle-market and treasury bankingPinnacle Financial PartnersBankA member of Atlantic Union's 2025 compensation peer group that ranks 10th in North Carolina deposits (2.9%, 48 branches) in the investor-day table, where Atlantic Union is adding commercial, wealth and mortgage teams.[11][2][1]
Small business banking and merchant servicesBank of AmericaBankBank of America calls itself the number one small business lender in the US, citing FDIC data, serving 4 million small businesses; Atlantic Union's Consumer Banking segment serves consumers and small businesses in Virginia, Maryland, Washington, D.C. and North Carolina.[17][1]
Small business banking and merchant servicesSquare (Block)Payments companyBlock's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; Atlantic Union sells payment solutions, ACH and wires to business clients through treasury management.[6][1]
Payments, stablecoins and digital assetsCircle (USDC)FintechAtlantic Union's 10-K says payment stablecoins under the GENIUS Act could increase competition for its deposit products and that digital asset service providers are becoming active competitors; Circle had $73.3 billion of USDC in circulation at June 30, 2026 and won OCC approval for a national trust bank in July 2026.[1][20][21]

How do the AI and digital offerings of Atlantic Union's competitors compare?

Atlantic Union first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

CompanyAI or digital offeringOn the record (our profiles)Latest dated AI move
Atlantic Union Bankshares (this page)Automated conversion and validation tooling (Sandy Spring integration)[22][23][24]Index 53.7 (#52); 12 use cases, 5 in productionSecond-quarter 10-Q repeats the AI risk language (Aug 6, 2026)[25]
TruistTruist Assist chatbot (12.5 million+ requests from 2023 to March 2026) and Truist Insights personalization[26][27]Index 82.6 (#16); 15 use cases, 13 in productionMid-table on AI-judged reputation (Sep 18, 2026)[28]
TowneBankTalkdesk cloud contact center with Talkdesk Copilot agent assistance[29]Index 38.8 (#74); 12 use cases, 9 in productionblueharbor bank acquisition announced (Oct 6, 2026)[30][31]
United BanksharesNot disclosedIndex 2 (#116); 8 use cases, 5 in productionFlorida expansion announced (Oct 8, 2026)[32]
Capital OneEno assistant in the app, by text and email, live since March 2017[33]Index 86.9 (#9); 13 use cases, 13 in productionSecond on the Evident AI index for a fourth year (Oct 6, 2026)[34][35]
M&T BankMicrosoft Copilot for 16,000 of 22,000 employees[36]Index 75.5 (#28); 14 use cases, 10 in productionRajwani on AI agents and deposit runs (Oct 1, 2026)[37]
First Citizens BancSharesAn enterprise AI program being built, not bought[38][39][40]Index 67.7 (#39); 14 use cases, 12 in productionFirst Citizens Innovation Banking launched; SVB name retired (Oct 6, 2026)[41]
F.N.B. CorporationeStore Common app: one application for 50-plus products, with AI to cut keystrokes[42]Index 60.2 (#47); 15 use cases, 9 in production16th for customer reputation (Aug 17, 2026)[43]
Fulton FinancialSalesforce Agentforce agents used by 3,000 employees[44]Index 44.3 (#66); 12 use cases, 10 in productionContact-centre manager describes Fulton's AI journey with NICE (Sep 30, 2026)[45]
Bank of AmericaErica virtual assistant: more than 24.6 million clients helped; 3.6 billion interactions since 2018[17]Index 97.3 (#1); 18 use cases, 16 in productionTreasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)[46][47][48]
Wells FargoFargo virtual assistant: more than 1 billion interactions in under three years (March 2026)[18]Index 88.8 (#7); 16 use cases, 13 in productionQ3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026)[49][50]
ChimeJade, an in-app AI financial partner available to some members[51]8 use cases, 6 in productionAgreement to acquire Stride Bank (Sep 8, 2026)[52]
Cash App (Block)Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026)[53]7 use cases, 6 in productionQ2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[53]
Credit unions in the footprintNot disclosedNo profileNot disclosed
PNCA new mobile app built with PNC's agentic development system (July 2026)[54]Index 68.2 (#38); 14 use cases, 8 in productionHead of ATM Banking hired with an AI mandate (Sep 25, 2026)[55]
Truist (wholesale banking)AI-enabled receivables platform for commercial clients (February 2026)[56]Index 82.6 (#16); 15 use cases, 13 in productionMid-table on AI-judged reputation (Sep 18, 2026)[28]
Pinnacle Financial PartnersA head of AI and credit intelligence to shorten application-to-closing time[57][58]Index 65.3 (#42); 12 use cases, 9 in productionChief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026)[59]
Square (Block)Managerbot, an AI business agent for Square sellers[60]7 use cases, 6 in productionQ2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[53]
Circle (USDC)Agent Stack and an Agent Marketplace with 900+ paid services for AI agents paying in USDC[20]7 use cases, 6 in productionChainalysis counts 138 million agent payments on Base (Oct 14, 2026)[61]

Who should look beyond Atlantic Union, and where?

If you areLook atWhy
Customers who want an AI virtual assistant inside the banking appBank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)Atlantic Union's AI-enhanced chatbot is on its roadmap, not in production (December 2025). Erica helps more than 24.6 million clients, Fargo passed 1 billion interactions in March 2026, and Truist Assist logged 12.5 million+ requests from 2023 to March 2026; all three banks rank in the top three by Virginia deposits.[2][17][18][26]
People who need branches outside Virginia, Maryland, Washington, D.C. and North CarolinaTruist, JPMorgan Chase or Bank of AmericaAtlantic Union operated 178 branches in those four jurisdictions at December 31, 2025. Truist reported 1,927 branches across a footprint from Florida to New Jersey, Chase 5,083 branches in 2025, and Bank of America 3,500 financial centers.[1][7][62][17]
North Carolina customers who want a large branch network in the state todayFirst Citizens or TruistAtlantic Union held 0.4% of North Carolina deposits with 11 branches (June 30, 2025, pro forma) and is adding seven Raleigh and three Wilmington branches over three years, the first in July 2026. First Citizens has 209 North Carolina branches and Truist 276.[2][3][63][14][7]
Customers who want a branchless, app-only checking accountChimeAtlantic Union is a branch-based bank that says customers still value in-person banking. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner.[63][19][5][51]
Businesses that want a card program from a large card issuerCapital OneAtlantic Union's 10-K says the credit cards in its treasury management services come through an arrangement with Elan Financial Services. Capital One says it was the largest issuer of credit cards in the US by outstanding card loans at December 31, 2025, and is headquartered in Atlantic Union's home state.[1][12]

Where does Atlantic Union rank in its home states, and who is bigger there?

Deposit ranks from Atlantic Union's December 2025 investor-day deck (SNL Financial and FDIC deposit data as of June 30, 2025, pro forma for announced deals, excluding branches with deposits over $6 billion). The 10-K's own FDIC-based shares, which count every branch, are 6.3% in Virginia and 4.8% in Maryland.

StateAtlantic UnionLeaders ahead of itOther regionals in the table
Virginia4th: $20.4 billion, 8.9%, 131 branchesTruist 21.3% (259 branches); Wells Fargo 14.5% (178); Bank of America 10.5% (98)TowneBank 5.6% (59); United Bankshares 4.2% (80); PNC 2.3% (53); Capital One 1.8% (20)[2]
Maryland7th: $9.6 billion, 5.4%, 40 branchesBank of America 16.1%; Truist 12.5%; M&T 10.6%; PNC 10.1%; Wells Fargo 6.7%; Capital One 6.4%Eagle Bancorp 3.9%; Forbright 3.4%; Shore Bancshares 2.8%[2]
North Carolina26th: $892 million, 0.4%, 11 branches; ten more plannedTruist 18.0%; Wells Fargo 16.2%; First Citizens 11.0%; Bank of America 8.8%PNC 4.8%; First Bancorp 4.0%; F.N.B. 3.8%; Fifth Third 3.2%; First Horizon 3.0%; Pinnacle 2.9%[2][3]
Virginia-headquartered banks only1st: 23.9% of the in-state groupNoneTowneBank 14.9%; Capital One 4.8%; Burke & Herbert 4.2%; Carter Bank & Trust 4.1%[2]

How does Atlantic Union's branch network compare with its largest rivals'?

Branch or office counts as each bank reports them in its 2025 10-K, with where they are.

BankBranches or officesWhereAs of
Atlantic Union178 branchesVirginia, Maryland, Washington, D.C. and North CarolinaDecember 31, 2025[1]
Truist1,927 branches, incl. 259 Virginia, 138 Maryland, 276 North Carolina, 18 Washington, D.C.Florida to New Jersey and TexasDecember 31, 2025[7]
United Bankshares237 full-service offices, incl. 100 in Virginia and the Maryland and Washington, D.C. metro, 43 in North CarolinaWest Virginia, Virginia, Maryland, D.C., the Carolinas, Georgia, Pennsylvania, OhioDecember 31, 2025[10]
F.N.B.355 Community Banking branchesPennsylvania, Ohio, Maryland, West Virginia, the Carolinas, Washington, D.C., VirginiaDecember 31, 2025[4]
M&T Bank942 domestic banking officesNortheast and Mid-Atlantic, incl. Washington, D.C.December 31, 2025[13]

Who are Atlantic Union Bank's biggest competitors?

By deposits in its home states, the national and super-regional banks: Truist (1st in Virginia with 21.3%), Wells Fargo, Bank of America, M&T and PNC in Maryland, and First Citizens in North Carolina. Among regionals, TowneBank and United Bankshares in Virginia and F.N.B. in the Carolinas. Its 10-K also names credit unions, mortgage companies and fintech companies.[2][14][4][1]

Is Capital One a competitor of Atlantic Union?

Yes, in deposits and cards. Capital One is headquartered in McLean, Virginia and places its branches and cafés mainly in states including Virginia and Maryland and in Washington, D.C.; it ranks 6th in Maryland with 6.4% in Atlantic Union's investor-day table. It is also the largest US card issuer by card loans, while Atlantic Union offers cards through Elan Financial Services.[12][2][1]

Is Chime a competitor of Atlantic Union?

By category, yes: Atlantic Union's 10-K names fintech companies among its competitors and says it faces increasing competition from them. Chime's 10-K says its digital-first model gives it a cost advantage over traditional banks, and it had 10.4 million active members at June 30, 2026. Neither company names the other.[1][19][5]

Who competes with Atlantic Union in North Carolina?

Truist (18.0% of state deposits), Wells Fargo (16.2%), First Citizens (11.0%) and Bank of America (8.8%) lead the investor-day table, with PNC, First Bancorp, F.N.B., Fifth Third, First Horizon and Pinnacle next; Atlantic Union ranked 26th with 0.4%. It is adding seven Raleigh and three Wilmington branches and bought Raleigh convention center naming rights in June 2026.[2][3][64]

How does Atlantic Union compare with TowneBank?

Both are Virginia-headquartered: Atlantic Union holds 23.9% of deposits among Virginia-based banks and TowneBank 14.9% in the investor-day table, and both are expanding in North Carolina, TowneBank through Dogwood State Bank. On AI, TowneBank runs Talkdesk Copilot in its contact center; Atlantic Union's call-center AI is announced.[2][9][29][22]

What are alternatives to Atlantic Union for small business banking?

Bank of America calls itself the number one US small business lender (FDIC data), serving 4 million small businesses, and Square sells payments, point-of-sale software and banking to sellers. Atlantic Union serves small businesses through its Consumer Banking segment and offers treasury management, ACH, wires and payment solutions.[17][6][1]

Does Atlantic Union see stablecoins as a competitor?

Its 10-K says the GENIUS Act, enacted in July 2025, could result in increased competition for its deposit products, depending on regulations still to be written, and that digital asset service providers are becoming active competitors. Circle, the USDC issuer, had $73.3 billion in circulation at June 30, 2026. Atlantic Union itself joined the Cari tokenized-deposit network in July 2026.[1][20][65]

  1. Atlantic Union Bankshares Form 10-K for the year ended December 31, 2025
    SEC (EDGAR) · Feb 26, 2026
  2. Atlantic Union Bankshares Investor Day presentation, December 10, 2025 (Form 8-K, Exhibit 99.1)
    Atlantic Union Bankshares (SEC filings) · Dec 10, 2025
  3. Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates
    Investing.com · Jul 21, 2026
  4. F.N.B. Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    F.N.B. Corporation (SEC filings) · Feb 24, 2026
  5. Chime Reports Second Quarter 2026 Financial Results
    Chime · Aug 5, 2026
  6. Block, Inc. Annual Report 2025 (Form 10-K)
    Block, Inc. via SEC EDGAR · Feb 26, 2026
  7. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Truist Financial (SEC filing) · Feb 24, 2026
  8. TowneBank Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    TowneBank (FDIC filings) · Feb 27, 2026
  9. Virginia's TowneBank strikes deal to deepen N.C. footprint
    American Banker · Aug 19, 2025
  10. United Bankshares, Inc. Form 10-K for 2025
    SEC EDGAR · Feb 27, 2026
  11. Atlantic Union Bankshares 2026 Proxy Statement (Schedule 14A): 2025 compensation peer group
    Atlantic Union Bankshares (SEC filing) · Mar 25, 2026
  12. Capital One Financial Corporation Annual Report on Form 10-K for 2025
    Capital One via SEC EDGAR · Feb 19, 2026
  13. M&T Bank Corporation Annual Report on Form 10-K for 2025
    M&T Bank (SEC filings) · Feb 18, 2026
  14. First Citizens BancShares Annual Report on Form 10-K for 2025
    First Citizens BancShares (SEC filing) · Feb 24, 2026
  15. FNB Corp. is the latest bank to plot growth in the Southeast
    American Banker · Sep 2, 2025
  16. Fulton Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Fulton Financial (SEC filings) · Feb 27, 2026
  17. Bank of America Fast Facts (undated page, retrieved 2026-10-19)
    Bank of America Newsroom · Oct 19, 2026
  18. Wells Fargo Reaches Major Digital Milestones
    Wells Fargo (Business Wire) · Mar 26, 2026
  19. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Chime via SEC EDGAR · Mar 6, 2026
  20. Circle Reports Second Quarter 2026 Results
    Circle · Aug 5, 2026
  21. Circle Receives Final OCC Approval to Establish National Trust Bank
    Circle · Jul 10, 2026
  22. #31 Atlantic Union's CIO automated his way through a $14 billion merger
    American Banker · Jun 1, 2026
  23. Atlantic Union Bankshares 2025 Annual Report to Shareholders (Form ARS, including the Form 10-K)
    Atlantic Union Bankshares · Mar 25, 2026
  24. Atlantic Union Bank Completes Integration of Sandy Spring Bank
    Atlantic Union Bank · Oct 14, 2025
  25. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026
    SEC (EDGAR) · Aug 6, 2026
  26. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K)
    Truist Financial (SEC filing) · Apr 17, 2026
  27. Exhibit 99.3: Second quarter 2026 earnings presentation (Form 8-K)
    Truist Financial (SEC filing) · Jul 17, 2026
  28. People use AI to gauge banks' reputations, and its verdicts are harsh
    American Banker · Sep 18, 2026
  29. Celebrating the CX Innovators winners shaping customer experience
    Talkdesk · Oct 30, 2025
  30. TowneBank deal shrinks pool of NC bank targets
    Banking Dive · Oct 7, 2026
  31. TowneBank Agrees to Acquire blueharbor bank for Approximately $154 Million
    Yahoo Finance · Oct 6, 2026
  32. United Bankshares, Inc. Announces Florida Expansion
    Business Wire · Oct 8, 2026
  33. Eno, your Capital One assistant
    Capital One · Sep 19, 2026
  34. JPMorganChase still tops AI ranking as big-bank lead widens
    American Banker · Oct 6, 2026
  35. Banks prioritize responsible AI, governance as use soars
    Banking Dive · Oct 6, 2026
  36. How M&T Bank ensures data quality as it implements gen AI
    American Banker · Sep 18, 2025
  37. AI agent bank runs possible but unlikely, experts say
    American Banker · Oct 1, 2026
  38. Frontier AI Fact Sheet
    First Citizens Bank · Jul 3, 2026
  39. First Citizens Bank Corporate Profile 1Q26
    First Citizens Bank · Apr 30, 2026
  40. A Q&A With Scott Richardson: AI at First Citizens Bank
    First Citizens Bank · Sep 3, 2026
  41. First Citizens Bank Launches New Innovation Banking Brand
    First Citizens Bank · Oct 6, 2026
  42. F.N.B. Corporation Further Expands eStore Common Application Capabilities with Introduction of Business Loan Products
    PR Newswire via FT Markets · Mar 10, 2026
  43. Top Banks by Reputation 2026: Customers
    American Banker · Aug 17, 2026
  44. Five Big Ideas Coming Out of Dreamforce 2026
    Salesforce · Sep 24, 2026
  45. Fulton Bank: Frictionless for Customers, Frictionless for Agents
    NICE · Sep 30, 2026
  46. U.S. Treasury Announces Record Enforcement Actions Against Bank of America
    U.S. Department of the Treasury · Oct 13, 2026
  47. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance
    Office of the Comptroller of the Currency · Oct 13, 2026
  48. BofA fined $1.21 billion over AML
    Banking Dive · Oct 13, 2026
  49. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets
    PYMNTS · Oct 13, 2026
  50. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share
    Wells Fargo · Oct 13, 2026
  51. What is Jade Financial Partner? (help centre, retrieved 2026-09-23)
    Chime · Sep 23, 2026
  52. Chime Announces Agreement to Acquire Stride Bank
    Chime · Sep 8, 2026
  53. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K)
    Block, Inc. via SEC EDGAR · Aug 5, 2026
  54. PNC Bank rolls out new mobile banking app
    American Banker · Jul 8, 2026
  55. Mark Williamson hired as Head of ATM Banking
    Columbus Business First (bizjournals.com) · Sep 25, 2026
  56. Truist launches AI-enabled receivables platform
    Truist · Feb 3, 2026
  57. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile)
    American Banker · Apr 21, 2026
  58. Pinnacle (PNFP) Q1 2026 Earnings Transcript
    The Motley Fool (earnings call transcript) · Apr 23, 2026
  59. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners
    American Banker · Oct 1, 2026
  60. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent
    Square · Apr 28, 2026
  61. AI agents are on a shopping spree: Total payments on Base blockchain eclipse 138 million, Chainalysis finds
    Fortune · Oct 14, 2026
  62. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025
    JPMorgan Chase & Co. (SEC filings) · Feb 13, 2026
  63. Atlantic Union Bank CEO sees North Carolina as one of country's most attractive markets (podcast)
    Triangle Business Journal · Oct 15, 2026
  64. Atlantic Union Bank buys Raleigh convention center naming rights
    Triangle Business Journal · Jun 16, 2026
  65. Cari Joins American Bankers Association's Premier Partner Network, Expands Bank-Governed Tokenized Deposit Network
    Cari Network (via Business Wire, Yahoo Finance) · Jul 2, 2026

When Atlantic Union or its peers move on AI, you'll read it here first.

when one of the banks we cover moves on AI, it is in the next morning's brief · six sourced stories · 7 am PT · free

plus every regulation, bank and agent page update, the morning after · leave any morning