# Atlantic Capital Bank

Atlantic Capital Bank is a RIA based in Atlanta, United States.

## Overview

- **Organization type:** RIA
- **Headquarters:** Atlanta, United States
- **Region:** North America
- **Address:** Atlanta, GA, United States
- **Founded:** 1999
- **Assets under management:** 2,200 million USD (per public record, 2025)
- **Website:** atlanticcapitalbank.com
- **LinkedIn:** https://www.linkedin.com/company/atlantic-capital-bank

## Regulatory record

- **Reports private funds:** No

## About

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.

## Sectors

- Private Credit
- Real Estate
- Infrastructure
- Healthcare Services
- Luxury
- Media & Entertainment

## Offices

- New York
- Charlotte
- Greenville
- Orlando
- Columbus
- West Palm Beach
- Santa Monica
- Apple Valley
- London

## People

- J. Henry Coons — Chairman
- Thomas A. Norman — CEO
- Patrick J. Oakes — Chief Credit Officer

## 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).

### 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).

### 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).

## Related profiles

- [Compeer Financial](https://altss.com/profile/compeer-financial)
- [South State Bank](https://altss.com/profile/south-state-bank)

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Last updated: 2026-06-03T20:00:00.000Z

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