I found a mathematical note by George Marsaglia entitiled "Bounds for the rank of the sum of two matrices", where he proves the following result.
Let $A_1$ and $A_2$ be two complex matrices of the same size. Then $$ \operatorname{rk}(A_1 + A_2) \geq \operatorname{rk}(A_1) + \operatorname{rk}(A_2) - \dim(\mathcal{R}_1 \cap \mathcal{R}_2) - \dim(\mathcal{C}_1 \cap \mathcal{C}_2),$$
where $\operatorname{rk}()$ denotes the rank, $\mathcal{R}_i$ (resp. $\mathcal{C}_i$) is the rowspace (resp. columnspace) of $A_i$, for $i = 1, 2$.
How does one extend this formula to a sum of, say, $n$ matrices $A_1, \dots, A_n$?
I conjecture that: $$ \operatorname{rk}(A_1 + \dots + A_n) + \sum_{i=1}^n \operatorname{rk}(A_i) \geq \operatorname{rk}(A_1, \dots, A_n) + \operatorname{rk}\begin{pmatrix} A_1 \\ \vdots \\ A_n \end{pmatrix}.$$
The first, resp. second, term on the RHS is the rank of the matrix having the $A_i$ stacked next to each other horizontally, resp. vertically.
I have run some numerical simulations by generating, each time, a large number (usually $1000$) of collections of $n$ (pseudo-)random matrices with integer entries and specified ranks, for some low values of $a$, $b$, $n$ and some choices of $n$ ranks. I could not yet find any counterexample this way. I am starting to think this could be true.
Note: I had written another conjecture initially, but the original conjecture was false. A counterexample can be obtained by taking $A_1 = (1, 0)$, $A_2 = (0, 1)$ and $A_3 = (-1, -1)$. In order not to clutter this post, I deleted the false conjecture and kept the one above, which may still possibly be true (or not).