# ATLANTIC CAPITAL BANK NA
ATLANTA, GA · FDIC certificate 35525 · asset band $1-10B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.82B | |
| Deposits | $3.34B | |
| Loans and leases | $2.37B | |
| Total equity | $440.7M | |
| Loans / deposits | 70.37% (p43 of band) | 73.47% |
| Liquid assets / assets | 33.26% (p54 of band) | |
| Uninsured deposits / deposits | 76.24% (p98 of band) | 33.32% |
| Brokered deposits | 2.47% | |
| Wholesale funding | 2.47% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.66% (p74 of band) | 9.53% |
| Unrealized securities loss / equity | 1.75% (p85 of band) | -0.38% |
| AOCI / equity | -2.90% (p28 of band) | |
| ROA (annualized) | 1.42% (p68 of band) | 1.21% |
| Net interest margin | 2.87% (p28 of band) | 3.23% |
| Efficiency ratio | 50.67% (p20 of band) | |
| Noncurrent loans | 0.18% (p29 of band) | 0.34% |
| Net charge-offs (annualized) | 0.04% (p72 of band) | |
| Reserve coverage of noncurrent | 534.34% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 34.93% (p40 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 202 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 6 | noncurrent p90 |  |
| 2011-09 | 8 | leverage <7%, capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 8 | NIM <2.5% | noncurrent p90 |
| 2012-06 | 11 | leverage <5%, noncurrent p90 |  |
| 2012-09 | 11 | charge-offs p90 | noncurrent p90 |
| 2012-12 | 12 | construction >100% equity |  |
| 2013-03 | 10 | assets shrinking | wholesale funding >15%, reserve under noncurrent, charge-offs p90 |
| 2013-06 | 5 | deposits shrinking | leverage <7%, capital falling, leverage <5%, construction >100% equity, assets shrinking |
| 2013-09 | 5 | assets shrinking | brokered >10% |
| 2013-12 | 5 |  |  |
| 2014-03 | 3 |  | losing money, NIM <2.5% |
| 2014-06 | 2 |  | assets shrinking |
| 2014-09 | 1 |  | deposits shrinking |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 3 | brokered >10%, charge-offs p90 | wholesale funding >15% |
| 2015-06 | 3 | wholesale funding >15%, capital falling | brokered >10%, charge-offs p90 |
| 2015-09 | 5 | losing money, charge-offs p90 |  |
| 2015-12 | 1 | uninsured deposits >50% | expense ratio p90, wholesale funding >15%, capital falling, losing money, charge-offs p90 |
| 2016-03 | 0 |  | uninsured deposits >50% |
| 2016-06 | 3 | uninsured deposits >50%, wholesale funding >15%, capital falling |  |
| 2016-09 | 2 | run vulnerability | wholesale funding >15%, capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | wholesale funding >15% | run vulnerability |
| 2017-06 | 1 |  | wholesale funding >15% |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 2 | losing money | charge-offs p90 |
| 2018-03 | 1 |  | losing money |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 2 | run vulnerability | capital falling |
| 2019-06 | 4 | deposits shrinking, assets shrinking |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 | capital falling | run vulnerability, deposits shrinking, assets shrinking |
| 2020-03 | 3 | deposits shrinking |  |
| 2020-06 | 3 | run vulnerability | deposits shrinking |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 1 |  | run vulnerability |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-03-01 [SouthState Closes Merger with Atlantic Capital Bank - PR Newswire](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQUWVmWFgyZlBDVUlHbkhHbmRxSm5UaE01UkwxR2FQQjhMZmF1LVM0ZGtSMGxUVUU1VXhXUzJORlFPMjZOWXZPV2V1MUdKeEhvRE1GVzZ5UjJaZ251d3FRdDdFdlB1Rk4ySlpwTERVdGZHMkRJSjRfdU9Yak8tWGpsc2x6U1JvMEtjdWd0LXJSN1lzLVRRcE5LU3RLMWcxNUEzaTNlaThxYWhZdk0?oc=5) · PR Newswire
- 2016-11-20 [FSG Bank Names New Business Development Officer - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOR0V5bnB0bnY0U3doczlOLWh0Y095cW1vb1d0YWM5QklaUWRqVnVrQm9ZZEhIQjRaV1l4dlV5aGQtWmZNaVpxbU9tcDJFd3JUaE9tVTNUay1obFBLZWFRVXh5b0VqZzFxRldZTlR1Ri1KVWhyZ3B4SXNnMk8yVEl3MzRvM204WUVSS0F5dURPejdBdUhhM2c?oc=5) · Chattanoogan.com Breaking News
- 2022-04-18 [Colony Bankcorp's top financial officer to leave after two years - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPVE9iQXlHME9DN3U0azZyTnZiQUJuVUtWdFRhUkRROGV5TW1JLVM1QnpzS3NtY19ZSWtHRWpqa1dleU5jbmo4M0Z4aGhsVGpwWmN5aDZ4bGNxRG55bEpoQlFSTW9ha1BBeHVwZHBJdnpBdVVvT2JlY01UU1I4NEZlMWxHXzhRMGZEZTAteVNMcVlCZ2pMQmc?oc=5) · The Business Journals
- 2021-08-18 [Applied Bank® Secured Visa® Gold Preferred® Credit Card Review - FinMasters](https://news.google.com/rss/articles/CBMicEFVX3lxTE5XTzdWcHBTUDhGR1dDNG40cUJ0OEY2aHBoWS1kMXhjZno0SmwwRkE4Q3ozQVNJQWM2WWl4LXJ6elFEUW1OSkVXQ1Nmc3ZGQXN3VGxSTFdHZkM1VHRmdjM3TFNiR3JYYUNtRFMwSEJXS0o?oc=5) · FinMasters
- 2016-09-23 [FSG Bank Names Tony Doyley New Wealth Advisor - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikgFBVV95cUxOX3JIei1ldEVZUFdwb1FjVDJ5T2ZZSW1XRElIZUNPcjVOdkI5MVRRVnpyRVZOVE1JNUgwdDFIaTVFbWpYNkEtWkNwRVpSUUJxZmlPclA0MU1NaXFpV0dFd0lMMDMzeE5IYzUxdWtyM0ZYc3VZNFo3QkdGT1p4cEkwX1p6dDYwT1RySTlySHdZb0h3Zw?oc=5) · Chattanoogan.com Breaking News
- 2021-08-18 [OpenSky® Secured Visa® Credit Card Review - FinMasters](https://news.google.com/rss/articles/CBMiYEFVX3lxTE81cXFlVFBNbkthbE1mOWNqR0t0dl9vcE8xSGdZNVlSeXg1MWlNbl9CSVpHWjd6WGZicDk1RGc1Y050S3Q5dmdxbnVzZDkyQjdBOEV5am9RMlRpSzJZWkxNMg?oc=5) · FinMasters
- 2021-08-18 [First Access Visa® Credit Card Review and Alternatives - FinMasters](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBLWTZ4MEphcE1CQ0dqN0VPM29Ub1ZobmVUUjU0YWdsTFBHR0phdk9pOGUzNzJZajJmQUlPUV9EbTE0SHljWVFTZXNBTkU5VFI1VElOeTNkT1Judmd5SDFENW11T3FTdw?oc=5) · FinMasters
- 2021-08-19 [Total Visa® Card Review | Unsecured Card for Fair or Poor Credit - FinMasters](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1fSm9FY1hVRlZBdWRDc0RSZExacnFzYjVjd2tURUlzeHRrd0tRdUZnSGxpX2NNdHNCWnJNQ05COGpTQmQxZnMtdjIxMnVUR203dERva2xRSFJSMFNrQXQtb2Y3Yw?oc=5) · FinMasters

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35525 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "35525", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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