Atlantic Union Bankshares Corporation (AUB) — ESG & Values Scores

Environment story

Atlantic Union Bankshares discloses minimal environmental metrics and climate commitments. The 10-K identifies environmental risks (hazardous substances in foreclosed properties, real estate collateral exposure) but does not publish Scope 1, 2, or 3 greenhouse gas emissions, renewable energy percentages, or a net-zero target date. Environmental policies exist for CRE loan underwriting (environmental studies) and foreclosure review, but these are defensive risk controls, not decarbonization initiatives. The company faces environmental liability exposure from real estate holdings and lending; no evidence of active mitigation or physical decarbonization infrastructure investments. Absence of disclosed climate strategy and emissions data results in significant deductions.

Criticisms on file

Environmental liability exposure from real estate holdings and foreclosed properties; potential remediation costs for hazardous or toxic substances.
Source: AUB 10-K Risk Factors: 'We are subject to environmental risks' section

Disclosed initiatives

Environmental Review in CRE Underwriting

Company performs environmental studies during CRE loan origination and environmental reviews before foreclosure actions to identify hazardous substances.

Defensive risk management; does not constitute active decarbonization or emissions reduction.

Social story

Atlantic Union Bankshares does not disclose CEO-to-median-worker pay ratio, workforce turnover rate, or detailed diversity metrics (executive/board women and URM percentages) in the provided 10-K excerpt. The company describes itself as 'customer-focused and relationship-driven' with heavy reliance on talent attraction and retention; management transitions and CFO transition in progress are noted. No evidence of union activity, labor disputes, strikes, or NLRB complaints in the source documents. No supply-chain labor audits, human-rights statements, or living-wage commitments disclosed. Absence of critical DEI and compensation transparency data prevents precise scoring; moderate deduction applied for lack of disclosure.

Criticisms on file

No material criticisms on file for this pillar.

Disclosed initiatives

Talent Development and Retention

Company emphasizes importance of attracting, developing, and retaining qualified employees and management team; conducts management transitions.

Ongoing practice; no specific measurable DEI program, supplier diversity, or civil-rights audit disclosed.

Governance story

Atlantic Union Bankshares is subject to extensive federal and state regulation as a bank holding company exceeding $10 billion in assets, including Federal Reserve, CFPB, FDIC, and state oversight. The 10-K does not disclose board independence percentage, share-class structure details, annual lobbying expenditures, or specific regulatory fines/settlements. The company operates under strict regulatory capital requirements and compliance obligations; recent mention of CFO transition and management changes. Regulatory framework emphasizes capital adequacy, consumer protection compliance, and Bank Secrecy Act/OFAC sanctions adherence. No evidence of dual-class voting supermajority, active climate-deregulation lobbying, or major antitrust proceedings in provided documents. Governance operates within strict regulatory framework; moderate score reflects lack of transparency on board composition and lobbying activity.

Criticisms on file

Bank Secrecy Act and OFAC compliance obligations; company notes potential civil penalties for non-compliance.
Source: AUB 10-K Risk Factors: 'The Bank is subject to the Bank Secrecy Act' section

Disclosed initiatives

Regulatory Capital Management

Company maintains capital levels and liquidity per Federal Reserve and FDIC guidelines; subject to enhanced supervision as $10B+ asset institution.

Mandatory compliance framework; contributes to financial stability.
Risk Management Framework

Enterprise risk management program designed to identify, assess, mitigate, monitor, and report strategic, credit, market, liquidity, operational, compliance, legal, and technology risks.

Governance tool; effectiveness not independently verified in source documents.

These are Missionomics' own editorial scores — directional signals built from disclosed facts under a published method, not certifications or definitive ratings of Atlantic Union Bankshares Corporation. Coverage and confidence vary by data point, and figures can lag real-world changes. Read the full Methodology for sourcing, scoring, and correction details — or open Atlantic Union Bankshares Corporation in the app for interactive charts and portfolio building.

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