Atlantic Capital Bank
Atlantic Capital Bank is a commercial bank, now operating within the SouthState Bank, N.A. franchise, serving consumers, small businesses, middle-market companies, and high-net-worth clients across nine southeastern and southwestern US states through branches, digital banking, and specialty lending.
- Company typePublic
- Founded1905
- HeadquartersAtlanta, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Atlantic Capital Bank does
Atlantic Capital Bank is a commercial bank that operates within the SouthState Bank, N.A. franchise following its integration as a subsidiary of SouthState Corporation. The bank was founded in 2006 in Atlanta and historically focused on serving middle-market and emerging growth companies; post-integration it now functions as part of a regional banking platform serving consumers, small businesses, commercial clients, and high-net-worth individuals across nine southeastern and southwestern states (Alabama, Colorado, Florida, Georgia, North Carolina, South Carolina, Texas, Tennessee, Virginia).
The bank's core technology stack centers on a digital banking platform that includes the SouthState Mobile App (iOS and Android), online banking, digital wallet (Apple Pay and Google Pay), Zelle integration, Apple Watch account access, and the Round Up to Save automated savings feature. For commercial clients, the Treasury Navigator platform consolidates payables, receivables, risk management, liquidity, and reporting. Lending offerings include conventional mortgages, proprietary programs (SouthState Advantage and Opportunity Advantage), physician, jumbo, portfolio, construction, lot, and manufactured housing loans, plus SBA loans, Business Lending Express, auto, boat, and motorcycle loans. Wealth management is delivered through the Premier Private Client Group and Corporate & Institutional Services.
The revenue model is a diversified spread-and-fee structure typical of regional banks: net interest income from lending (auto loans from 5.23% APR, boats from 7.79% APR, motorcycles from 7.14% APR as of early 2026) and deposit gathering, supplemented by treasury management fees, merchant services, SBA loan fees, wealth management advisory fees, and capital markets revenue. Go-to-market operates through physical branches, dedicated commercial relationship teams organized by vertical (franchise finance, healthcare, government, transportation, middle market), mortgage bankers, wealth advisors, and digital self-serve channels.
Atlantic Capital Bank firmographics
Firmographics- Name
- Atlantic Capital Bank
- Legal name
- SouthState Bank, N.A.
- Website
- https://atlanticcapitalbank.com
- Company type
- Public
- Founded year
- 1905
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Atlantic Capital Bank is a commercial bank, now operating within the SouthState Bank, N.A. franchise, serving consumers, small businesses, middle-market companies, and high-net-worth clients across nine southeastern and southwestern US states through branches, digital banking, and specialty lending.
- Ownership category
- akta.pro rank
Atlantic Capital Bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (52211), Commercial Banking (522110)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE)
- akta.pro secondary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where Atlantic Capital Bank is headquartered
LocationHeadquarters
- HQ city
- Atlanta
- HQ country
- United States
- HQ region
- North America
Markets served
Atlantic Capital Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Car Loans - Rates from 5.23% APR for new vehicles |
| Unit Pricing | Monthly | Boat Loans - Rates from 7.79% APR for new boats |
| Unit Pricing | Monthly | Motorcycle Loans - Rates from 7.14% APR for new motorcycles |
| Other | One time | Checking Account Bonus - $200 reward |
Distribution channels7 records
Marketing channels6 records
Atlantic Capital Bank product offering
Product offeringCore offering
Atlantic Capital Bank is a publicly traded commercial bank (Nasdaq: ACBI) headquartered in Atlanta, Georgia, that provides banking services and solutions targeted at middle market and emerging growth companies. The bank offers treasury management, capital markets, equipment finance, franchise finance, fund finance, government banking, SBA loans, commercial real estate lending, and merchant services, supported by a digital banking platform, mobile app, and dedicated commercial relationship teams across multiple southeastern US states.
Product overview
SouthState Bank operates as a regional community bank offering a unified platform of banking products and services organized across personal, small business, commercial, and wealth management segments. The core banking platform encompasses checking, savings, credit cards, and digital banking (Online & Mobile Banking with Digital Wallet), which connect all segments. Lending products span personal loans, auto loans, mortgages (including SouthState Advantage and Opportunity Advantage programs), home equity lines, recreational loans, SBA loans, and commercial financing. Cash management is delivered through Treasury Navigator for commercial clients, while merchant services enable payment acceptance for businesses. Wealth services include financial planning, retirement planning, investment strategies, and the Premier Private Client Group for high-net-worth clients. Value-added features like Round Up to Save and Business Lending Express provide differentiated automation within the core product suite.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Banking Comprehensive commercial banking services for middle market and emerging growth companies including cash management, credit facilities, and treasury solutions.
- Treasury Management (Treasury Navigator) Online treasury management platform providing businesses tools for payables, receivables, risk management, liquidity solutions, and information reporting for commercial clients.
- Capital Markets Capital markets services for commercial clients including debt and equity capital access, and market advisory services.
- SBA Loans Small Business Administration guaranteed loans providing government-backed financing options for eligible small businesses.
- Business Lending Express Expedited small business lending solution offering a streamlined lending process for faster loan approvals and funding for business capital needs.
- Merchant Services Payment processing solutions enabling businesses to accept credit and debit card payments from customers, including point of sale terminals, software, and value-added services.
- International Services Foreign exchange, international payments, and trade finance services for businesses with global operations.
- Small Business Banking Comprehensive banking solutions for small businesses including checking, savings, credit cards, and online/mobile banking tailored to business needs.
- Franchise Finance Specialized financing solutions for franchise businesses and franchise operators across multiple franchise systems.
- Online & Mobile Banking Digital banking platform enabling customers to securely pay bills, send money, manage accounts, receive alerts, and access services anytime, anywhere via web and mobile applications.
Companies that use Atlantic Capital Bank
Customer profileSegments4 records
Ideal customer profiles1 record
Atlantic Capital Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature7 records
Atlantic Capital Bank partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
Atlantic Capital Bank competitors and assessment
Company assessmentDirect peers
- Cadence Bank: Southeast and Texas-focused commercial bank with strong middle-market, treasury management, and specialty lending capabilities. Directly comparable in commercial focus and geographic footprint including Texas and Florida.
- Ameris Bancorp: Georgia-based bank with operations across the Southeast offering commercial, retail, and mortgage services. Comparable in geographic footprint and acquisition-driven growth strategy.
- Renasant Corporation: Mississippi-based regional bank serving the Southeast with community and commercial banking, mortgage, and wealth services. Highly comparable geographic footprint and customer segmentation strategy.
- Bank OZK: Arkansas-headquartered regional bank with significant Southeast presence and notable specialty in commercial real estate and middle-market lending. Comparable in specialty lending focus and regional banking model.
- United Community Banks: Georgia-based community and commercial bank operating across the Southeast with similar full-service personal, small business, commercial, and wealth offerings. Comparable geographic overlap and target customer profile.
- ServisFirst Bancshares: Alabama-based super-community bank with Southeast presence, focusing on commercial and treasury management for middle-market clients. Comparable in commercial banking emphasis and regional scope.
- Regions Financial Corporation: Southeast-headquartered regional bank with consumer, commercial, and wealth management lines, comparable branch footprint across many of the same states. Direct competitor in middle-market banking and SBA lending.
- Pinnacle Financial Partners: Tennessee-headquartered regional bank with strong Southeast presence, known for commercial and middle-market banking as well as wealth services. Directly comparable in segment mix and relationship-banking model.
- First Horizon Corporation: Southeast-focused regional bank offering commercial, retail, and wealth services with strong middle-market presence. Closely comparable geographic focus, customer segments, and full-service banking model.
Broad incumbents
- Truist Financial Corporation: One of the largest super-regional banks headquartered in the Southeast with full-service personal, small business, commercial, and wealth offerings across multiple of the same states as Atlantic Capital/SouthState. Comparable in product breadth and target customer segments, but materially larger in scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Atlantic Capital Bank social profiles
Digital presenceAtlantic Capital Bank compliance and trust
Trust signalCompliance3 records
Atlantic Capital Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Atlantic Capital Bank leadership team
Management profileNumber of profiles
Profiles1 record
Atlantic Capital Bank funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Atlantic Capital Bank M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Atlantic Capital Bank
What does Atlantic Capital Bank do?
Atlantic Capital Bank is a publicly traded commercial bank (Nasdaq: ACBI) headquartered in Atlanta, Georgia, that provides banking services and solutions targeted at middle market and emerging growth companies. The bank offers treasury management, capital markets, equipment finance, franchise finance, fund finance, government banking, SBA loans, commercial real estate lending, and merchant services, supported by a digital banking platform, mobile app, and dedicated commercial relationship teams across multiple southeastern US states.
Is Atlantic Capital Bank a public or private company?
Atlantic Capital Bank is a public company. It is classified as public and is currently operating.
When was Atlantic Capital Bank founded?
Atlantic Capital Bank was founded in 1905. It employs 101 to 250 people.
Where is Atlantic Capital Bank based?
Atlantic Capital Bank is headquartered in Atlanta, United States, in the North America region.
Who are Atlantic Capital Bank's main competitors?
Direct peers on record are Cadence Bank, Ameris Bancorp, Renasant Corporation, Bank OZK, United Community Banks, ServisFirst Bancshares, Regions Financial Corporation, Pinnacle Financial Partners and First Horizon Corporation. Truist Financial Corporation is listed as a broad incumbent.
Does Atlantic Capital Bank have an API?
No public API is recorded for Atlantic Capital Bank.
What industry is Atlantic Capital Bank in?
Atlantic Capital Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSAEAGAE, Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 52211 and its SIC code is 6021.