This institution is no longer active

Operations ceased on October 31, 2015. CRA examination history below reflects the period it was active.

ATLANTIC CAPITAL BANK

ATLANTA, GA · Supervised by FDIC

Est. 2007FDIC #58,492RSSD: FDIC-58492

Part ofBANKCAP EQUITY FUND LLC→ View all charters

Satisfactory Same

Current rating · Exam: August 2015

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Is this bank safe?

ATLANTIC CAPITAL BANK holds a Satisfactory CRA rating (2015), meets basic financial requirements (ROA +0.71%).

Institution Profile

FDIC BankFind

Address

3280 Peachtree Road, Suite 1600, ATLANTA, GA

County

Fulton County

Established

May 15, 2007

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2015

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2015Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$1.0B

Net Income

$7M

ROA

0.71%

Below avg for Community banks. Peer avg: 0.90%

ROE

6.70%

Risk-Based Capital

11.63%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.71%Peer avg: 0.90%▼ Below avg

Risk-Based Capital11.63%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate0.00%Peer avg: 10.20%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	6	100%	0.00%
2019	113	67.26%	18.58%
2018	543	62.06%	22.47%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2015	Satisfactory	Large Bank
Oct 2012	Satisfactory	Large Bank
Aug 2009	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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