# Atlantic Union Bankshares competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/atlantic-union/competitors
Last updated: Oct 20, 2026

*Part of the [Atlantic Union Bankshares AI strategy profile](https://www.bankingnewsai.com/banks/atlantic-union). Peer group: United Bankshares, TowneBank, F.N.B. Corporation, Fulton Financial Corporation, SouthState Bank, WesBanco, Pinnacle Financial Partners, Hancock Whitney.*

## 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## 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." ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm))

"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." ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm))

"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." ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm))

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.) ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm))

## Who competes with Atlantic Union in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Truist'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. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | Bank | Ranked 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1), [American Banker](https://americanbanker.com/news/virginias-townebank-strikes-deal-to-deepen-n-c-footprint)) |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Bank | United'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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Atlantic Union Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/883948/000110465926034176/aub-20260505xdef14a.htm)) |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Bank | Headquartered 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. ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Bank | M&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. ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627026000010/mtb-20251231.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | Bank | First 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. ([First Citizens BancShares (SEC filing)](https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | Bank | F.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. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast)) |
| Home region: Virginia, Maryland, Washington, D.C. and North Carolina | [Fulton Financial](https://www.bankingnewsai.com/banks/fulton) | Bank | Fulton'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. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Atlantic Union Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/883948/000110465926034176/aub-20260505xdef14a.htm)) |
| Retail deposits, checking and everyday digital banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Ranked 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Retail deposits, checking and everyday digital banking | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | Ranked 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). ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| Retail deposits, checking and everyday digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | One 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits, checking and everyday digital banking | [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Fintech | Atlantic 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm)) |
| Retail deposits, checking and everyday digital banking | Credit unions in the footprint | Credit union | Atlantic 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm)) |
| Commercial, middle-market and treasury banking | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | Ranked 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm)) |
| Commercial, middle-market and treasury banking | [Truist (wholesale banking)](https://www.bankingnewsai.com/banks/truist) | Bank | Truist'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. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm)) |
| Commercial, middle-market and treasury banking | [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | Bank | A 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. ([Atlantic Union Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/883948/000110465926034176/aub-20260505xdef14a.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm)) |
| Small business banking and merchant services | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Bank 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. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm)) |
| Small business banking and merchant services | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block'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. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm)) |
| Payments, stablecoins and digital assets | [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Fintech | Atlantic 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results), [Circle](https://www.circle.com/pressroom/circle-receives-final-occ-approval-to-establish-national-trust-bank)) |

## 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.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Atlantic Union Bankshares (this page)](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [Index 53.7 (#52); 12 use cases, 5 in production](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language (Aug 6, 2026) ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot (12.5 million+ requests from 2023 to March 2026) and Truist Insights personalization ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [TowneBank](https://www.bankingnewsai.com/banks/townebank) | Talkdesk cloud contact center with Talkdesk Copilot agent assistance ([Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/)) | [Index 38.8 (#74); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/townebank) | blueharbor bank acquisition announced (Oct 6, 2026) ([Banking Dive](https://bankingdive.com/news/townebank-blueharbor-deal-north-carolina-bank-acquisition-targets/832513), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/townebank-agrees-acquire-blueharbor-bank-145031180.html)) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [Index 2 (#116); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced (Oct 8, 2026) ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Eno assistant in the app, by text and email, live since March 2017 ([Capital One](https://www.capitalone.com/digital/tools/eno/)) | [Index 86.9 (#9); 13 use cases, 13 in production](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot for 16,000 of 22,000 employees ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) | [Index 75.5 (#28); 14 use cases, 10 in production](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | An enterprise AI program being built, not bought ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [Index 67.7 (#39); 14 use cases, 12 in production](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired (Oct 6, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore Common app: one application for 50-plus products, with AI to cut keystrokes ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [Index 60.2 (#47); 15 use cases, 9 in production](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [Fulton Financial](https://www.bankingnewsai.com/banks/fulton) | Salesforce Agentforce agents used by 3,000 employees ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) | [Index 44.3 (#66); 12 use cases, 10 in production](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE (Sep 30, 2026) ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped; 3.6 billion interactions since 2018 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions in under three years (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| Credit unions in the footprint | Not disclosed | No profile | Not disclosed |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | A new mobile app built with PNC's agentic development system (July 2026) ([American Banker](https://www.americanbanker.com/news/pnc-bank-rolls-out-new-mobile-banking-app)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [Truist (wholesale banking)](https://www.bankingnewsai.com/banks/truist) | AI-enabled receivables platform for commercial clients (February 2026) ([Truist](https://media.truist.com/2026-02-03-Truist-launches-AI-enabled-receivables-platform-to-accelerate-cash-application-and-minimize-exceptions)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI and credit intelligence to shorten application-to-closing time ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Agent Stack and an Agent Marketplace with 900+ paid services for AI agents paying in USDC ([Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/circle) | Chainalysis counts 138 million agent payments on Base (Oct 14, 2026) ([Fortune](https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/)) |

## Who should look beyond Atlantic Union, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant inside the banking app | [Bank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)](https://www.bankingnewsai.com/banks/bank-of-america) | 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| People who need branches outside Virginia, Maryland, Washington, D.C. and North Carolina | [Truist, JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/truist) | Atlantic 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| North Carolina customers who want a large branch network in the state today | [First Citizens or Truist](https://www.bankingnewsai.com/banks/first-citizens) | Atlantic 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697), [Triangle Business Journal](https://www.bizjournals.com/triangle/news/2026/10/15/atlantic-union-bank-ceo-nc-branch-expansion.html), [First Citizens BancShares (SEC filing)](https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Atlantic 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. ([Triangle Business Journal](https://www.bizjournals.com/triangle/news/2026/10/15/atlantic-union-bank-ceo-nc-branch-expansion.html), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Businesses that want a card program from a large card issuer | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Atlantic 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm)) |

## 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.

| State | Atlantic Union | Leaders ahead of it | Other regionals in the table |
| --- | --- | --- | --- |
| Virginia | 4th: $20.4 billion, 8.9%, 131 branches | Truist 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) ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| Maryland | 7th: $9.6 billion, 5.4%, 40 branches | Bank 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% ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| North Carolina | 26th: $892 million, 0.4%, 11 branches; ten more planned | Truist 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% ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |
| Virginia-headquartered banks only | 1st: 23.9% of the in-state group | None | TowneBank 14.9%; Capital One 4.8%; Burke & Herbert 4.2%; Carter Bank & Trust 4.1% ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |

## 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.

| Bank | Branches or offices | Where | As of |
| --- | --- | --- | --- |
| Atlantic Union | 178 branches | Virginia, Maryland, Washington, D.C. and North Carolina | December 31, 2025 ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm)) |
| Truist | 1,927 branches, incl. 259 Virginia, 138 Maryland, 276 North Carolina, 18 Washington, D.C. | Florida to New Jersey and Texas | December 31, 2025 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| United Bankshares | 237 full-service offices, incl. 100 in Virginia and the Maryland and Washington, D.C. metro, 43 in North Carolina | West Virginia, Virginia, Maryland, D.C., the Carolinas, Georgia, Pennsylvania, Ohio | December 31, 2025 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) |
| F.N.B. | 355 Community Banking branches | Pennsylvania, Ohio, Maryland, West Virginia, the Carolinas, Washington, D.C., Virginia | December 31, 2025 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm)) |
| M&T Bank | 942 domestic banking offices | Northeast and Mid-Atlantic, incl. Washington, D.C. | December 31, 2025 ([M&T Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/36270/000003627026000010/mtb-20251231.htm)) |

## Common questions

### 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [First Citizens BancShares (SEC filing)](https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm))

### 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. ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm))

### 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697), [Triangle Business Journal](https://www.bizjournals.com/triangle/news/2026/06/16/atlantic-union-bank-raleigh-convention-center.html))

### 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. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [American Banker](https://americanbanker.com/news/virginias-townebank-strikes-deal-to-deepen-n-c-footprint), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking))

### 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. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm))

### 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. ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results), [Cari Network (via Business Wire, Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/cari-joins-american-bankers-association-120000507.html))

## Peers on this site

- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)
- [TowneBank AI strategy](https://www.bankingnewsai.com/banks/townebank) · [vs peers](https://www.bankingnewsai.com/banks/townebank/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) · [vs peers](https://www.bankingnewsai.com/banks/wesbanco/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)

## Sources

1. Atlantic Union Bankshares Form 10-K for the year ended December 31, 2025 — SEC (EDGAR), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm
2. Atlantic Union Bankshares Investor Day presentation, December 10, 2025 (Form 8-K, Exhibit 99.1) — Atlantic Union Bankshares (SEC filings), Dec 10, 2025. https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm
3. Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates — Investing.com, Jul 21, 2026. https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697
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. https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm
5. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
6. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
7. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm
8. TowneBank Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — TowneBank (FDIC filings), Feb 27, 2026. https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1
9. Virginia's TowneBank strikes deal to deepen N.C. footprint — American Banker, Aug 19, 2025. https://americanbanker.com/news/virginias-townebank-strikes-deal-to-deepen-n-c-footprint
10. United Bankshares, Inc. Form 10-K for 2025 — SEC EDGAR, Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm
11. Atlantic Union Bankshares 2026 Proxy Statement (Schedule 14A): 2025 compensation peer group — Atlantic Union Bankshares (SEC filing), Mar 25, 2026. https://www.sec.gov/Archives/edgar/data/883948/000110465926034176/aub-20260505xdef14a.htm
12. Capital One Financial Corporation Annual Report on Form 10-K for 2025 — Capital One via SEC EDGAR, Feb 19, 2026. https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm
13. M&T Bank Corporation Annual Report on Form 10-K for 2025 — M&T Bank (SEC filings), Feb 18, 2026. https://www.sec.gov/Archives/edgar/data/36270/000003627026000010/mtb-20251231.htm
14. First Citizens BancShares Annual Report on Form 10-K for 2025 — First Citizens BancShares (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm
15. FNB Corp. is the latest bank to plot growth in the Southeast — American Banker, Sep 2, 2025. https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast
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. https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm
17. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
18. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
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. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
20. Circle Reports Second Quarter 2026 Results — Circle, Aug 5, 2026. https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results
21. Circle Receives Final OCC Approval to Establish National Trust Bank — Circle, Jul 10, 2026. https://www.circle.com/pressroom/circle-receives-final-occ-approval-to-establish-national-trust-bank
22. #31 Atlantic Union's CIO automated his way through a $14 billion merger — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking
23. Atlantic Union Bankshares 2025 Annual Report to Shareholders (Form ARS, including the Form 10-K) — Atlantic Union Bankshares, Mar 25, 2026. https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf
24. Atlantic Union Bank Completes Integration of Sandy Spring Bank — Atlantic Union Bank, Oct 14, 2025. https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring
25. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026 — SEC (EDGAR), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm
26. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
27. Exhibit 99.3: Second quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Jul 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm
28. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
29. Celebrating the CX Innovators winners shaping customer experience — Talkdesk, Oct 30, 2025. https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/
30. TowneBank deal shrinks pool of NC bank targets — Banking Dive, Oct 7, 2026. https://bankingdive.com/news/townebank-blueharbor-deal-north-carolina-bank-acquisition-targets/832513
31. TowneBank Agrees to Acquire blueharbor bank for Approximately $154 Million — Yahoo Finance, Oct 6, 2026. https://finance.yahoo.com/markets/stocks/articles/townebank-agrees-acquire-blueharbor-bank-145031180.html
32. United Bankshares, Inc. Announces Florida Expansion — Business Wire, Oct 8, 2026. https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion
33. Eno, your Capital One assistant — Capital One, Sep 19, 2026. https://www.capitalone.com/digital/tools/eno/
34. JPMorganChase still tops AI ranking as big-bank lead widens — American Banker, Oct 6, 2026. https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens
35. Banks prioritize responsible AI, governance as use soars — Banking Dive, Oct 6, 2026. https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/
36. How M&T Bank ensures data quality as it implements gen AI — American Banker, Sep 18, 2025. https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai
37. AI agent bank runs possible but unlikely, experts say — American Banker, Oct 1, 2026. https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say
38. Frontier AI Fact Sheet — First Citizens Bank, Jul 3, 2026. https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf
39. First Citizens Bank Corporate Profile 1Q26 — First Citizens Bank, Apr 30, 2026. https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf
40. A Q&A With Scott Richardson: AI at First Citizens Bank — First Citizens Bank, Sep 3, 2026. https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank
41. First Citizens Bank Launches New Innovation Banking Brand — First Citizens Bank, Oct 6, 2026. https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand
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. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1
43. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
44. Five Big Ideas Coming Out of Dreamforce 2026 — Salesforce, Sep 24, 2026. https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/
45. Fulton Bank: Frictionless for Customers, Frictionless for Agents — NICE, Sep 30, 2026. https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents
46. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
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. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
48. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
49. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
50. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
51. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
52. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
53. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
54. PNC Bank rolls out new mobile banking app — American Banker, Jul 8, 2026. https://www.americanbanker.com/news/pnc-bank-rolls-out-new-mobile-banking-app
55. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
56. Truist launches AI-enabled receivables platform — Truist, Feb 3, 2026. https://media.truist.com/2026-02-03-Truist-launches-AI-enabled-receivables-platform-to-accelerate-cash-application-and-minimize-exceptions
57. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile) — American Banker, Apr 21, 2026. https://digital-banking.americanbanker.com/profile/kevin-d-johnson
58. Pinnacle (PNFP) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript
59. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
60. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
61. AI agents are on a shopping spree: Total payments on Base blockchain eclipse 138 million, Chainalysis finds — Fortune, Oct 14, 2026. https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/
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. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
63. Atlantic Union Bank CEO sees North Carolina as one of country's most attractive markets (podcast) — Triangle Business Journal, Oct 15, 2026. https://www.bizjournals.com/triangle/news/2026/10/15/atlantic-union-bank-ceo-nc-branch-expansion.html
64. Atlantic Union Bank buys Raleigh convention center naming rights — Triangle Business Journal, Jun 16, 2026. https://www.bizjournals.com/triangle/news/2026/06/16/atlantic-union-bank-raleigh-convention-center.html
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. https://finance.yahoo.com/technology/ai/articles/cari-joins-american-bankers-association-120000507.html

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