Atlantic Union (AUB) Earnings Call Transcript

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Thursday, January 22, 2026 astatine 9 a.m. ET

• President and Chief Executive Officer — John Asbury

• Executive Vice President and Chief Financial Officer — Rob Gorman

• Head of Consumer and Business Banking — Shawn O'Brien

• Executive Vice President, Commercial — David Ring

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Bill Samia: Thank you, Olivia, and bully morning, everyone. I person Atlantic Union Bancshares' President and CEO, John Asbury, and Executive Vice President and CFO, Rob Gorman with maine today. We besides person different members of our enforcement absorption squad with america for the question and reply period. Please enactment that today's net merchandise and the accompanying descent presumption we are going done connected this webcast are disposable to download connected our capitalist website investors.atlanticunionbank.com. During today's call, we volition remark connected our fiscal show utilizing some GAAP metrics and non-GAAP fiscal measures.

Important accusation astir these non-GAAP fiscal measures, including reconciliations to comparable GAAP measures, is included successful the appendix to our descent presumption and successful our net merchandise for the 4th fourth and afloat twelvemonth 2025. We volition besides marque forward-looking statements, which are not statements of humanities information and are taxable to risks and uncertainties. There tin beryllium nary assurance that existent show volition not disagree materially from immoderate aboriginal expectations oregon results expressed oregon implied by these forward-looking statements. We undertake nary work to publically revise oregon update immoderate forward-looking connection but arsenic required by law.

Please notation to our net merchandise and our descent presumption issued contiguous arsenic good arsenic our different SEC filings for further treatment of the company's hazard factors including different accusation regarding the forward-looking statements, including factors that could origin existent results to disagree from those expressed oregon implied successful the forward-looking statements. All comments made during today's telephone are taxable to that harmless harbor statement. And astatine the extremity of today's call, we volition instrumentality questions from the probe expert community. Now, I volition crook the telephone implicit to John.

John Asbury: Thanks, Bill. Good morning, everyone, and convey you for joining america today. Atlantic Union Bankshares reported beardown 4th fourth fiscal results, reflecting disciplined execution and palmy integration of the Sandy Springs acquisition. We judge the adjusted operating fiscal results for the 4th showcased the organization's earning capacity. While merger-related charges proceed to impact this quarter's results, the underlying operating show supports our continued assurance successful achieving the strategical goals associated with the Sandy Spring acquisition, namely, the targets for adjusted operating instrumentality connected assets, instrumentality connected tangible communal equity, and ratio ratio.