# ATLANTIC CAPITAL BANK
ATLANTA, GA · FDIC certificate 58492 · asset band $1-10B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *lender to lenders*. Composite score 2 (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 | $1.38B | |
| Deposits | $1.18B | |
| Loans and leases | $1.05B | |
| Total equity | $148.3M | |
| Loans / deposits | 87.70% (p52 of band) | 86.97% |
| Liquid assets / assets | 20.84% (p41 of band) | |
| Uninsured deposits / deposits | 71.70% (p99 of band) | 24.91% |
| Brokered deposits | 7.13% | |
| Wholesale funding | 10.25% (p54 of band) | |
| FHLB advances / assets | 3.11% | |
| Tier 1 leverage | 10.82% (p70 of band) | 9.78% |
| Unrealized securities loss / equity | 0.67% (p34 of band) | 1.31% |
| AOCI / equity | 0.65% (p82 of band) | |
| ROA (annualized) | 0.71% (p25 of band) | 0.95% |
| Net interest margin | 2.93% (p18 of band) | 3.48% |
| Efficiency ratio | 64.78% (p50 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.71% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 54% | |
| Construction % of loans | 72.11% (p85 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $89.8M (61% of equity) (p98 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 105 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | uninsured deposits >50%, brokered >10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | run vulnerability |  |
| 2011-12 | 1 |  | brokered >10%, run vulnerability |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | wholesale funding >15% | capital falling |
| 2012-12 | 1 |  | wholesale funding >15% |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | capital falling, deposits shrinking |  |
| 2014-06 | 3 | run vulnerability | deposits shrinking |
| 2014-09 | 6 | brokered >10%, wholesale funding >15%, loans-to-lenders >50% equity |  |
| 2014-12 | 4 |  | brokered >10%, wholesale funding >15% |
| 2015-03 | 6 | brokered >10%, wholesale funding >15% |  |
| 2015-06 | 5 |  | brokered >10% |
| 2015-09 | 2 |  | capital falling, run vulnerability, wholesale funding >15% |

## 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
- 2021-07-26 [Atlanta's Atlantic Capital Bank to merge with Florida's SouthState in $542M deal - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQcXpzM0ctZFRnbG4yQ2ZOYUtIYmd3ckV6bDBLWHk4Q1g5Z1Qxbldhc0s5Z1A0ZkZZUjRqSHhLZXM4R04tbGx3d0pYUEhRQVV4ZXlySFI4X0pNcmc1cE1YeldWSXV4UFV0a0F0a3hkdGdXM1JIQkVNZUJ4MWlMaEFRaHVFWHNUcGJEZmVucktIZFg2Ti0zd0JVVl95djE?oc=5) · The Business Journals
- 2021-10-18 [Atlantic Capital Bank and Self Financial Expand Partnership to Improve Financial Inclusion - GlobeNewswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPR05qd1l6MGQ5d0g4MlZGb2VwQzFKVGozeElkU1ZTeC1Fd3pfcUtDVlVHWDNUMnF3RUZ5cG9JVVM1d2JIZGpYdEJsX1pqazYzazA4TWtOZXhzVmdndngzamVQTFJXQ2lLYXdYUEFTOTBRSTcyQlF4aGJpMmxYNUhBVWgwbzhGcktSRkM4MUdMbTdCUnlaeXcwQzJPNk9QNmlxMDBEQUg3M0ZKbDI4cHFpUS1CQUJEVk9SUzh5QnFTenhDa2FWVkVvb1l4ZUxIUUE3NVR0akJkNmh6UTZGRUtOS1NYOVBZNWo0UnFWVEJ6NEZ2eThP?oc=5) · GlobeNewswire
- 2017-06-01 [Atlantic Capital Bank's Mike Kramer is banking on Chattanooga athletics - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZWZxR0J3X0VETDF0bVJEeWtxS1dNS0g3Xzd5TzM2Vlozek9zS1BUbWxuMXo5ZTBTd2M4dU5HZzVJNHhDX3FZcDNCWm1WblJBeGwxOFNoWlc2alMxN1M1SEtVMDBIOGtxUkJ4aThiWHNIbEtjdlEycEllMEh3cEViMjh3?oc=5) · Chattanooga Times Free Press
- 2021-07-23 [SouthState announces merger with Atlanta bank for $542M - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNUTBfOXZBTGUxUUd4dkl5Z0VWRzFFM08zU0lwTjRzeDlsNEhxX0Njb3NTSnI5U2dKRU5jWDJaVEVnZ3VrRFZ0NFdKMHFPRWg4alkyVjRZSnpzQkc2X05zU0F0aFdVdXBBUlAyblNBRlU1YkEtS3RWRE9jTnNoQS1VWm9mcGhsb0FsNnk5MDBuTWNjbzBUUktpZWNIaWx0UlVFdDJqdTFn?oc=5) · The Business Journals
- 2015-01-20 [James Deisley Obituary - Atlanta, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPV2MyRFVIWGp5YXlYNVRlZ0hKVUdzcmpMT1ZDNGI1ZnVRUUZKRWdRSUU5djh4TG5hZGRjZmZ0VnRIcFlkXzA2REtzT056U19yN0VNOTJUYVh0YUFzVWNMTmlNT09HZzh1d19HUGJJX0hXSHgwWTQybXo3VUdEWVU2Wg?oc=5) · Dignity Memorial
- 2017-10-14 [Kramer to step down at Atlantic Capital - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPa0VoRnlXdXRzLWQ1Zm8yMnROeGpfSE9yeFRldkl5a2lmcWlPRDFBX3pQZS10b0tnSVN0cUtTUTZwMVFyT0hpME1YbTdEZDBMUE40LVE3djM5VENVQ0JSd2F5cVkyOEwwWVZFb3F6eVN0V0Q2SjFMNXltc3d1N0dSaWNXaTBDRnRsazVz?oc=5) · Chattanooga Times Free Press
- 2016-10-11 [Atlantic Capital expands into Charlotte - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeEVKTkNSZjZPbHF5bElZQW1zS0E2dzl1WUpZRVM2TGlmLUxqV0hfVURLUzFlN3B1MGdoU2ZxMzNtS0IzSEtHNHgxZDNZU1h0YXBJdkNTdU4wTzZnbHo3clhzQzlRV1h2OHM3ZHFvQ1BpOVFUY183NVptWXBTRDFqbElOeTIyNEVUX2ZiZHNJZ0sxQXJ2NDJyajg3bFo?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58492 (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/60.json (key "58492", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide