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Atlantic Capital Bank
Atlantic Capital Bank is a commercial bank based in Atlanta, United States, founded in 2007. It serves middle market and emerging growth companies, private...
Atlantic Capital Bank
Atlantic Capital Bank is a commercial bank based in Atlanta, United States, founded in 2007. It serves middle market and emerging growth companies, private banking clients, and top-tier real estate developers. The bank has secured $7.5 million in total funding.
General information
Firm type
RIA
Year founded
1999
AUM
2,200 million USD (per public record, 2025)
Location
Region
North America
Country
United States
City
Atlanta
Corporate office
Atlanta, GA, United States
Additional offices
New York · Charlotte · Greenville · Orlando · Columbus · West Palm Beach · Santa Monica · Apple Valley · London
Principals
J. Henry Coons
Chairman
Thomas A. Norman
CEO
Patrick J. Oakes
Chief Credit Officer
Sector focus
Frequently asked questions
Who runs investment decisions at Atlantic Capital Bank?
J. Henry Coons, as chairman, provides strategic oversight. Tom Norman serves as CEO, and Pat Oakes leads credit policy as chief credit officer. The bank's investment committee directs deployment, focusing on credit-intensive opportunities originated through its commercial banking and RIA channels (public record).
Does Atlantic Capital Bank operate as a single-family office or as a wider asset manager?
Atlantic Capital Bank is not a family office. It is a regulated commercial bank with an RIA arm, managing capital for institutions, high-net-worth clients, and family offices. Its bank charter enables proprietary lending distinct from a pure advisory firm (per public filing, 2024).
What investment stages does Atlantic Capital Bank typically target?
The bank focuses on direct lending and credit placements across private credit, real estate, and infrastructure, targeting stabilized cash-flow-oriented deals rather than venture-stage or growth equity. It participates in club loans and syndicated structures with institutional co-investors (public record).
Which sectors does Atlantic Capital Bank explicitly specialize in?
The firm concentrates on private credit, commercial real estate, infrastructure, asset-based lending in media and entertainment, luxury, and healthcare. Its geographic emphasis is the U.S. Sun Belt and Eastern regions, plus the U.K. (per the firm's public communications, 2025).
How does Atlantic Capital Bank source proprietary deal flow?
The bank originates loans and investments through its commercial banking operations, giving it direct access to borrowers in its footprint. Its network across nine offices in the U.S. and London generates proprietary opportunities, supplemented by referral relationships from its RIA and family office clients (public record).
Is Atlantic Capital Bank structured as a single family office or does it operate more like a venture firm?
It is a regulated commercial bank and RIA, not a family office or venture firm. Its investment profile is credit-focused, providing direct loans, asset-backed financing, and selective real estate and infrastructure placements for institutional and high-net-worth clients (public record, 2025).
Where does the underlying capital for Atlantic Capital Bank come from?
Capital primarily comes from client deposits as a commercial bank, plus advisory mandates from family offices and institutional clients. The bank's lending is funded by its deposit base and equity, rather than fundraising from external LPs (per public filing, 2024).
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