Investor Presentaiton

Attractive Core Deposit Base Deposit Base Characteristics Deposit Composition at June 30, 2021-$16.7 Billion Savings, 6% Jumbo Time, 3% Q2 2021 Cost of deposits - 18 bps 97% core deposits (1) 54% transactional accounts Retail Time, 10% Atlantic Union Bankshares ■ Non-Interest Bearing, 31% ■Money Market, 27% NOW, 23% (1) Core deposits defined as total deposits less jumbo time deposits 26 26

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