Atlantic Capital Bank Mortgage Rates, Fees & Info

Chattanooga, TN

LEI: 549300NYPTCONPN5C616

Tax ID: 62-1816536

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Atlantic Capital Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    202

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Atlantic Union Bankshares, Inc. Home equity loan or line of credit (HELOC) Improper use of your report 1 33.3%
    Atlantic Union Bankshares, Inc. Conventional home mortgage Trouble during payment process 2 66.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Atlantic Capital Bank, National Association 1550 Timothy Road, 2nd Floor Athens, GA 30606 Full Service B&M $35,582
    Atlantic Capital Bank, National Association 3033 Maple Drive Ne Atlanta, GA 30305 Full Service B&M $3,280,367
    Atlantic Capital Bank, National Association 945 E Paces Ferry Rd Ne, Ste 1600 Atlanta, GA 30326 Full Service B&M $0

    For 2021, Atlantic Capital Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $106,623
    Net interest income $103,447
    Total noninterest income $17,460
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,932
    Trading account gains and fees $0
    Additional Noninterest Income $10,528
    Pre-tax net operating income $68,229
    Securities gains (or losses, -) $2
    Income before extraordinary items $54,308
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $54,308
    Minority interest net income $0
    Net income $54,308
    Sale, conversion, retirement of capital stock, net $3,696
    Net operating income $54,306

    Atlantic Capital Bank's gross interest income from loans was $106,623,000.
    Atlantic Capital Bank's net interest income from loans was $103,447,000.
    Atlantic Capital Bank's fee based income from loans was $6,932,000.
    Atlantic Capital Bank's net income from loans was $54,308,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,176
    Provision for credit losses $-8,588
    Total noninterest expense $61,266
    Salaries and employee benefits $38,213
    Premises and equipment expense $6,088
    Additional noninterest expense $16,965
    Applicable income taxes $13,923
    Net charge-offs $1,415
    Cash dividends $0

    Atlantic Capital Bank's interest expense for loans was $3,176,000.
    Atlantic Capital Bank's payroll and benefits expense were $38,213,000.
    Atlantic Capital Bank's property, plant and equipment expenses $6,088,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,335,446
    Deposits held in domestic offices $3,335,446
    Deposits by Individuals, partnerships, and corporations $3,152,025
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $39,000
    Deposits by Commercial banks and other depository institutions in U.S. $144,421
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,130,210
    Demand deposits $1,494,829
    Nontransaction accounts $1,205,236
    Money market deposit accounts (MMDAs) $915,654
    Other savings deposits (excluding MMDAs) $884
    Total time deposits $288,698
    Total time and savings deposits $1,840,617
    Noninterest-bearing deposits $1,479,464
    Interest-bearing deposits $1,855,982
    Retail deposits $3,238,573
    IRAs and Keogh plan accounts $0
    Brokered deposits $94,510
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,818,842
    Cash & Balances due from depository institutions $394,019
    Interest-bearing balances $377,780
    Total securities $738,929
    Federal funds sold & reverse repurchase $137,181
    Net loans and leases $2,347,135
    Loan and leases loss allowance $22,186
    Trading account assets $0
    Bank premises and fixed assets $17,116
    Other real estate owned $0
    Goodwill and other intangibles $22,522
    All other assets $161,940

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,818,842
    Total Liabilities $3,378,143
    Total deposits $3,335,446
    Interest-bearing deposits $1,855,982
    Deposits held in domestic offices $3,335,446
    % insured (estimated) $24
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $42,697

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,347,135
    Loan and leases loss allowance $22,186
    Total loans and leases (domestic) $2,369,321
    All real estate loans $1,289,068
    Real estate loans in domestic offices $1,289,068
    Construction and development loans $153,936
    Residential 1-4 family construction $297
    Other construction, all land development and other land $153,639
    Loans secured by nonfarm nonresidential properties $988,420
    Nonfarm nonresidential secured by owner-occupied properties $440,716
    Commercial real estate & other non-farm, non-residential $547,704
    Multifamily residential real estate $73,581
    1-4 family residential loans $67,817
    Farmland loans $5,314
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $880,978
    To non-U.S. addressees $0
    Loans to individuals $197,955
    Credit card loans $4,592
    Related Plans $2,490
    Consumer Auto Loans $0
    Other loans to individuals $190,873
    All other loans & leases $5,172
    Loans to foreign governments and official institutions $0
    Other loans $5,172
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $3,024
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $12,324
    Non 1-4 family restructured loans & leases $12,324
    Total loans and leases (foreign) $0

    Atlantic Capital Bank had $2,347,135,000 of loans outstanding in 2021. $1,289,068,000 of loans were in real estate loans. $153,936,000 of loans were in development loans. $73,581,000 of loans were in multifamily mortgage loans. $67,817,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $4,592,000 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 243 $133,227 $548,259
    Nonfarm, nonresidential loans - <$100k 27 $1,485 $55,000
    Nonfarm, nonresidential loans - $100-250k 44 $7,469 $169,750
    Nonfarm, nonresidential loans - $250k-1MM 172 $124,273 $722,517
    Commercial & Industrial, US addressed loans - <$1MM 755 $284,093 $376,282
    Commercial & Industrial, US addressed loans - <$100k 308 $10,001 $32,471
    Commercial & Industrial, US addressed loans - $100-250k 174 $28,104 $161,517
    Commercial & Industrial, US addressed loans - $250k-1MM 273 $245,988 $901,055
    Farmland loans - <$1MM 16 $5,314 $332,125
    Farmland loans - <$100k 2 $80 $40,000
    Farmland loans - $100-250k 5 $891 $178,200
    Farmland loans - $250k-1MM 9 $4,343 $482,556