Question · Q4 2025
Hannah Wynn asked about the decline in Atlantic Union Bankshares' deposits during the fourth quarter and requested guidance on the outlook for deposit growth into 2026.
Answer
John Asbury, President and CEO, attributed the Q4 deposit decline to typical end-of-year activity from large commercial depositors and the strategic runoff of higher-cost, less relationship-oriented deposits from the Sandy Spring acquisition. Rob Gorman, Executive Vice President and CFO, provided guidance for 2026, projecting approximately 3%-4% deposit growth off the Q4 base, citing opportunities in treasury management within the former Sandy Spring footprint.
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