Atlantic Capital Bank is headquartered in Chattanooga and is the 5th largest bank in the state of Tennessee. It is also the 325th largest bank in the nation. It was established in 2000 and as of December of 2016, it had grown to 342 employees at 20 locations. Atlantic Capital Bank has an A health rating.
I have been a member of FSG/Atlantic Capital since I was seventeen years old. My father signed for me to create a checking account, and since then I have continued to be a member. The first branch I was familiar with was located in Jefferson City, Tennessee. Back then, I only used the deposit/withdrawal features. It wasn't until I became an adult, I am now twenty-five, that I used any additional features. I financed a vehicle through them when I turned twenty, and they were very good to me when my father passed away while I was trying to setup financial options for myself. They went over several money market options with me and explained it in a way that was easy to understand. Up to that point, I had no previous understanding of such things, but now I can say, with their help, I have made some very profitable financial decisions.They provided guidance for my best options for my inheritance and allowed me to make the choice for myself without and undue pressure. On top of awesome customer service, their online banking is top of the line which makes it super easy for a tech savvy twenty-five year old like myself. Although I am no longer in Jefferson City, there are many locations all though Tennessee which has made it easy for me to be a continued member and will be for years to come.
|FDIC Certificate #||35525|
|Return on Assets - YTD||0.6%|
|Return on Equity - YTD||4.91%|
|Annual Interest Income||$88.1MM|
|Assets and Liabilities|
|Assets||Q4 2016vs Q4 2015||$2.73B$2.64B|
|Loans||Q4 2016vs Q4 2015||$2.00B$1.87B|
|Deposits||Q4 2016vs Q4 2015||$2.25B$2.28B|
|Equity Capital||Q4 2016vs Q4 2015||$339.6MM$323.9MM|
|Loan Loss Allowance||Q4 2016vs Q4 2015||$20.6MM$18.9MM|
|Unbacked Noncurrent Loans||Q4 2016vs Q4 2015||$3.9MM$10.0MM|
|Real Estate Owned||Q4 2016vs Q4 2015||$1.9MM$2.0MM|
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