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Investor Presentaiton

Virginia's Bank Virginia: All Banks Rank Institution Virginia: Banks Headquartered in VA Deposits Market Branches ($mm) Share (%) Rank Institution Deposits Market Branches ($mm) Share (%) 1 Truist Financial Corp $48,832 23.8% 368 1 Atlantic Union Bankshares Corp. $15,360 21.8% 123 Wells Fargo & Co 33,337 16.2 230 2 TowneBank 8,522 12.1 32 3 Bank of America Corp. 21,769 10.6 118 3 Capital One Financial Corp. 7,165 10.2 27 4 Atlantic Union Bankshares Corp 15,360 7.5 123 4 Blue Ridge Bankshares 3,391 4.8 37 5 United Bankshares, Inc. 8,596 4.2 85 5 Carter Bank & Trust 3,121 4.4 57 6 TowneBank 8,522 4.2 32 6 Burke & Herbert Bank & Trust Co. 2,706 3.8 23 7 Capital One Financial Corp. 7,165 3.5 27 7 Primis Financial Corp 1,907 2.7 39 8 PNC Financial Services Group Inc. 5,112 2.5 95 8 American National Bankshares, Inc. 1,773 2.5 18 9 Blue Ridge Bankshares 3,391 1.7 37 9 First Bancorp Inc. 1,668 2.4 20 10 Carter Bank & Trust 3,121 1.5 57 10 C&F Financial Corp 1,646 2.3 31. Top 10 Banks $155,205 75.7 1,172 Top 10 Banks $47,259 67.0 407 All Institutions in Market $205,525 100.00 2,072 All Institutions in Market $70,571 100.00 840 Statewide branch footprint brings unique franchise value Atlantic Source: SNL Financial and FDIC deposit data Deposit data as of 6/30/20; pro forma for announced transactions; AUB branch count is proforma based on completed branch closings 6 Union Bankshares Note: Excludes branches with deposits greater than $5.0 billion
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