Atlantic Capital Bancshares (ACBI) 10-K16 Mar 212020 FY Annual reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
Document and Entity Information - USD ($) $ in Millions	Dec. 31, 2020	Mar. 09, 2021	Jun. 30, 2020
Document and Entity Information [Abstract]
Document Type	10-K
Document Annual Report	true
Entity Registrant Name	ATLANTIC CAPITAL BANCSHARES, INC.
Document Period End Date	Dec. 31, 2020
Document Transition Report	false
Entity File Number	001-37615
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	20-5728270
Entity Address, Address Line One	945 East Paces Ferry Road NE, Suite 1600
Entity Address, City or Town	Atlanta
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30326
City Area Code	404
Local Phone Number	995-6050
Title of 12(b) Security	Common Stock, no par value
Trading Symbol	ACBI
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 209.1
Entity Common Stock, Shares Outstanding		20,372,507
Entity Central Index Key	0001461755
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 16,865	$ 45,249
Interest-bearing deposits in banks	636,537	421,079
Cash and cash equivalents	653,402	466,328
Investment securities available for sale	335,423	282,461
Investment securities held to maturity, net of allowance for credit losses of $14 at	200,156	116,972
Other investments	25,892	27,556
Loans held for sale	0	370
Loans held for investment	2,249,036	1,873,524
Less: Allowance for loan losses	(31,818)	(18,535)
Loans held for investment, net	2,217,218	1,854,989
Premises and equipment, net	21,589	22,536
Bank owned life insurance	72,856	66,421
Goodwill	19,925	19,925
Other intangibles, net	2,731	3,027
Other real estate owned	16	278
Other assets	66,409	49,516
Total assets	3,615,617	2,910,379
Deposits:
Noninterest-bearing demand	1,033,765	824,646
Interest-bearing checking	760,638	373,727
Savings	625	1,219
Money market	1,030,753	1,173,218
Time	241,328	44,389
Brokered deposits	94,399	81,847
Total deposits	3,161,508	2,499,046
Long-term debt	73,807	49,873
Other liabilities	41,716	34,965
Total liabilities	3,277,031	2,583,884
SHAREHOLDERS' EQUITY
Preferred Stock, no par value - 10,000,000 shares authorized; no shares issued and outstanding as of December 31, 2020 and December 31, 2019	0	0
Common stock, no par value - 100,000,000 shares authorized; 20,394,912 and 21,751,026 shares issued and outstanding as of December 31, 2020 and December 31, 2019, respectively	209,942	230,265
Retained earnings	114,137	91,669
Accumulated other comprehensive income	14,507	4,561
Total shareholders' equity	338,586	326,495
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 3,615,617	$ 2,910,379

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Consolidated Balance Sheets
Investment securities held to maturity, net of allowance for credit losses	$ 14
Preferred stock par value	$ 0	$ 0
Preferred stock authorized (in shares)	10,000,000	10,000,000
Preferred stock issued (in shares)	0	0
Preferred stock outstanding (in shares)	0	0
Common stock par value	$ 0	$ 0
Common stock authorized (in shares)	100,000,000	100,000,000
Common stock issued (in shares)	20,394,912	21,751,026
Common stock outstanding (in shares)	20,394,912	21,751,026

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($)	12 Months Ended
Consolidated Statements of Income - USD ($)	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
INTEREST INCOME
Loans, including fees	$ 85,580,000	$ 93,022,000	$ 80,110,000
Investment securities	11,683,000	9,559,000	10,912,000
Interest and dividends on other interest-earning assets	1,733,000	3,266,000	3,738,000
Total interest income	98,996,000	105,847,000	94,760,000
INTEREST EXPENSE
Interest on deposits	7,820,000	20,392,000	12,506,000
Interest on Federal Home Loan Bank advances	54,000	817,000	2,399,000
Interest on federal funds purchased and securities sold under agreements to repurchase	41,000	479,000	304,000
Interest on long-term debt	4,108,000	3,295,000	3,304,000
Total interest expense	12,023,000	24,983,000	18,513,000
NET INTEREST INCOME BEFORE PROVISION FOR CREDIT LOSSES	86,973,000	80,864,000	76,247,000
Provision for credit losses	17,446,000	2,712,000	1,946,000
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	69,527,000	78,152,000	74,301,000
NONINTEREST INCOME
Service charges	4,871,000	3,587,000	3,215,000
(Losses) gains on sales of securities	(23,000)	907,000	(1,855,000)
(Losses) gains on sales of other assets	(146,000)	127,000	(154,000)
Trust income			1,025,000
Derivatives income (loss)	257,000	(322,000)	308,000
Bank owned life insurance	1,460,000	1,546,000	1,506,000
SBA lending activities	3,104,000	4,178,000	3,606,000
Gain on sale of trust business	0	0	1,681,000
Other noninterest income	762,000	702,000	715,000
Total noninterest income	10,285,000	10,725,000	10,047,000
NONINTEREST EXPENSE
Salaries and employee benefits	34,229,000	34,537,000	31,766,000
Occupancy	3,183,000	2,888,000	2,972,000
Equipment and software	3,337,000	3,103,000	2,817,000
Professional services	2,745,000	2,908,000	3,511,000
Communications and data processing	3,113,000	3,199,000	2,676,000
Marketing and business development	517,000	845,000	710,000
Travel, meals and entertainment	227,000	679,000	756,000
FDIC premiums	629,000	217,000	562,000
Other noninterest expense	4,679,000	4,732,000	4,221,000
Total noninterest expense	52,659,000	53,108,000	49,991,000
INCOME FROM CONTINUING OPERATIONS BEFORE PROVISION FOR INCOME TAXES	27,153,000	35,769,000	34,357,000
Provision for income taxes	4,613,000	7,611,000	6,307,000
NET INCOME FROM CONTINUING OPERATIONS	22,540,000	28,158,000	28,050,000
Income from discontinued operations		28,690,000	643,000
Provision for income taxes		6,993,000	161,000
Net income from discontinued operations		21,697,000	482,000
NET INCOME	$ 22,540,000	$ 49,855,000	$ 28,532,000
Net income per common share basic
Net income per common share - continuing operations	$ 1.06	$ 1.21	$ 1.08
Net income per common share - discontinued operations		0.93	0.02
Net income per common share basic	1.06	2.14	1.10
Net income per common share diluted
Net income per common share - continuing operations	1.05	1.20	1.07
Net income per common share - discontinued operations		0.92	0.02
Net income per common share diluted	$ 1.05	$ 2.12	$ 1.09

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Comprehensive Income
Net income	$ 22,540	$ 49,855	$ 28,532
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding gains (losses) arising during the period, net of tax of $1,427, $3,974 and ($2,018), respectively	4,353	11,914	(6,052)
Reclassification adjustment for losses (gains) included in net income net of tax of $6, ($277) and $464, respectively	17	(680)	1,391
Unrealized gains (losses) on available-for-sale securities, net of tax	4,370	11,234	(4,661)
Cash flow hedges:
Net unrealized derivative gains (losses) on cash flow hedges, net of tax of $1,829, $1,211 and ($313), respectively	5,576	3,632	(941)
Changes from cash flow hedges	5,576	3,632	(941)
Other comprehensive income (loss), net of tax	9,946	14,866	(5,602)
Comprehensive income	$ 32,486	$ 64,721	$ 22,930

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Comprehensive Income
Tax portion of unrealized holding gains arising during the period	$ 1,427	$ 3,974	$ (2,018)
Tax portion of reclassification adjustment for losses (gains) included in net income	6	(277)	464
Tax portion of net unrealized derivative gains on cash flow hedges	$ 1,829	$ 1,211	$ (313)

Consolidated Statements of Shar

Consolidated Statements of Shareholders' Equity - USD ($) $ in Thousands	Common Stock	Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Cumulative Effect, Period of Adoption, Adjustment	Total
Comprehensive (loss) income:
Change in accounting principle	$ 299,474		$ 12,810	$ (3,859)		$ 308,425
Beginning balance at Dec. 31, 2017	$ 299,474		12,810	(3,859)		308,425
Beginning balance (in shares) at Dec. 31, 2017	25,712,909
Comprehensive (loss) income:
Net income			28,532			28,532
Reclassification of tax effects from AOCI			844	(844)
Change in unrealized gains (losses) on investment securities available-for-sale, net				(4,661)		(4,661)
Change in unrealized gains (losses) on cash flow hedges				(941)		(941)
Comprehensive income						22,930
Change in accounting principle \| ASU 2014-09		$ 1			$ 1
Change in accounting principle	$ 291,771		42,187	(10,305)		323,653
Net issuance of restricted stock (in shares)	50,753
Issuance of common stock for option exercises	$ 4,097					$ 4,097
Issuance of common stock for option exercises (in shares)	310,016					310,016
Issuance of common stock for long-term incentive plan	$ 687					$ 687
Issuance of common stock for long-term incentive plan (in shares)	38,841
Restricted stock activity	$ 1,158					1,158
Stock-based compensation	242					242
Performance share compensation	290					290
Stock repurchases	$ (14,177)					(14,177)
Stock repurchases (in shares)	(822,100)
Ending balance (ASU 2014-09) at Dec. 31, 2018		1			1
Ending balance at Dec. 31, 2018	$ 291,771		42,187	(10,305)		323,653
Ending balance (in shares) at Dec. 31, 2018	25,290,419
Comprehensive (loss) income:
Change in accounting principle \| ASU 2014-09		1			1
Change in accounting principle	$ 291,771		42,187	(10,305)		323,653
Net income			49,855			49,855
Change in unrealized gains (losses) on investment securities available-for-sale, net				11,234		11,234
Change in unrealized gains (losses) on cash flow hedges				3,632		3,632
Comprehensive income						64,721
Change in accounting principle \| ASU 2014-09		1			1
Change in accounting principle \| ASU 2016-02		(373)			(373)
Change in accounting principle	$ 230,265		91,669	4,561		323,653
Net issuance of restricted stock (in shares)	29,501
Issuance of common stock for option exercises	$ 1,153					$ 1,153
Issuance of common stock for option exercises (in shares)	90,330					90,330
Issuance of common stock for long-term incentive plan	$ 655					$ 655
Issuance of common stock for long-term incentive plan (in shares)	35,678
Restricted stock activity	$ 908					908
Stock-based compensation	169					169
Performance share compensation	422					422
Stock repurchases	$ (64,813)					(64,813)
Stock repurchases (in shares)	(3,694,902)
Ending balance (ASU 2016-02) at Dec. 31, 2019		(373)			(373)
Ending balance at Dec. 31, 2019	$ 230,265		91,669	4,561		$ 326,495
Ending balance (in shares) at Dec. 31, 2019	21,751,026					21,751,026
Comprehensive (loss) income:
Change in accounting principle \| ASU 2016-02		(373)			(373)
Change in accounting principle	$ 230,265		91,669	4,561		$ 326,495
Net income			22,540			22,540
Change in unrealized gains (losses) on investment securities available-for-sale, net				4,370		4,370
Change in unrealized gains (losses) on cash flow hedges				5,576		5,576
Comprehensive income						32,486
Change in accounting principle \| ASU 2016-02		(373)			(373)
Change in accounting principle \| ASU 2019-05		(72)			(72)
Change in accounting principle	$ 209,942		114,137	14,507		326,495
Net issuance of restricted stock (in shares)	162,805
Issuance of common stock for option exercises	$ 815					$ 815
Issuance of common stock for option exercises (in shares)	98,940					103,940
Issuance of common stock for long-term incentive plan	$ 444					$ 444
Issuance of common stock for long-term incentive plan (in shares)	25,265
Restricted stock activity	$ 1,419					1,419
Stock-based compensation	59					59
Performance share compensation	476					476
Stock repurchases	$ (23,536)					$ (23,536)
Stock repurchases (in shares)	(1,643,124)					(1,643,124)
Ending balance (ASU 2019-05) at Dec. 31, 2020		(72)			(72)
Ending balance at Dec. 31, 2020	$ 209,942		114,137	14,507		$ 338,586
Ending balance (in shares) at Dec. 31, 2020	20,394,912					20,394,912
Comprehensive (loss) income:
Change in accounting principle \| ASU 2019-05		$ (72)			$ (72)
Change in accounting principle	$ 209,942		$ 114,137	$ 14,507		$ 338,586

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
OPERATING ACTIVITIES
Net income from continuing operations	$ 22,540	$ 28,158	$ 28,050
Net income from discontinued operations, net of tax		21,697	482
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses	17,446	2,712	1,946
Depreciation, amortization, and accretion	5,145	3,361	4,671
Amortization of operating lease right-of-use assets	2,009	2,004
Amortization of restricted stock and performance share compensation	1,961	1,330	1,448
Stock option compensation	59	169	242
Deferred income tax (benefit) expense	(313)	10,381	2,226
(Gain) loss on sales of available-for-sale securities	23	(907)	1,855
Loss on disposition of premises and equipment, net	8	27	214
Net write downs and (gains) losses on sales of other real estate owned	218	(154)	222
Small Business Investment Company (SBIC) impairment	0	26	228
Net increase in cash value of bank owned life insurance	(1,435)	(1,474)	(1,482)
(Gain) on bank owned life insurance	0	(46)	0
Net (gains) on sale of branches	0	(34,475)	0
Net (gain) on sale of trust business	0	0	(1,681)
Origination of servicing assets	(834)	(1,226)	(823)
Proceeds from sales of SBA loans	46,482	68,748	56,620
Net (gains) on sale of SBA loans	(2,398)	(3,594)	(3,089)
Changes in operating assets and liabilities -
Net change in loans held for sale	370	5,519	(776)
Net change in operating lease right-of-use assets		(3,883)
Net (increase) decrease in other assets	(11,786)	(2,385)	6,511
Net increase (decrease) in accrued expenses and other liabilities	4,894	(13,410)	720
Net cash provided by operating activities	84,389	82,578	97,584
Activity in securities available-for-sale:
Prepayments	35,868	40,342	50,380
Maturities and calls	3,880	5,430	365
Sales	385	116,963	62,087
Purchases	(88,607)	(28,282)	(77,036)
Activity in securities held to maturity:
Purchases	(83,572)	(117,043)
Net change in loans held for investment	(422,637)	(212,730)	(270,097)
Net change in assets held for sale - discontinued operations		(11,789)	42,412
(Purchases) proceeds of FHLB stock, net	61	(58)	1,766
(Purchases) proceeds of FRB stock, net	(82)	(92)	(114)
(Purchases) of bank owned life insurance	(5,000)
Proceeds from bank owned life insurance benefits	0	248	0
Proceeds from sales of other real estate owned	1,075	847	496
Net cash (paid) for branch divestiture	0	(166,755)	0
Proceeds from sale of premises and equipment			2
(Purchases) of premises and equipment, net	(3,426)	(1,155)	(7,884)
Net cash (used in) investing activities	(562,055)	(374,074)	(197,623)
FINANCING ACTIVITIES
Net change in deposits	662,461	546,532	87,379
Net change in liabilities to be assumed - discontinued operations		6,560	6,119
Proceeds from FHLB advances	345,000	738,000	1,435,100
Repayments of FHLB advances	(345,000)	(738,000)	(1,480,100)
Proceeds from exercise of stock options	815	1,153	4,096
Issuance of subordinated debt	75,000
Repayment of subordinated debt	(50,000)
Repurchase of common stock	(23,536)	(64,813)	(14,177)
Net cash provided by financing activities	664,740	489,432	38,417
NET CHANGE IN CASH AND CASH EQUIVALENTS	187,074	197,936	(61,622)
CASH AND CASH EQUIVALENTS - beginning of period	466,328	268,392	330,014
CASH AND CASH EQUIVALENTS - end of period	653,402	466,328	268,392
SUPPLEMENTAL SCHEDULE OF CASH FLOWS
Interest paid	11,266	26,960	22,562
Income taxes paid	$ 4,583	$ 2,190	$ 270

Accounting Policies and Basis o

Accounting Policies and Basis of Presentation	12 Months Ended
Accounting Policies and Basis of Presentation	Dec. 31, 2020
Accounting Policies and Basis of Presentation
Accounting Policies and Basis of Presentation	NOTE 1 – ACCOUNTING POLICIES AND BASIS OF PRESENTATION Basis of Presentation The accounting and financial reporting policies of Atlantic Capital Bancshares, Inc. (“Atlantic Capital”) and its subsidiary conform to GAAP and general banking industry practices. All material intercompany balances and transactions have been eliminated. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. Certain prior period amounts have been reclassified to conform to the current year presentation. Significant Accounting Policies Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks, commercial paper, federal funds sold and reverse repurchase agreements. Generally, cash and cash equivalents have maturities of three months or less and, accordingly, the carrying amount of these instruments is deemed to be a reasonable estimate of fair value. Reverse repurchase agreements are not subject to netting and offset with repurchase agreements. Investment Securities Investment securities designated as available-for-sale are stated at fair value. Investment securities available-for-sale include securities that may be sold in response to changes in interest rates, changes in prepayment risk, liquidity needs, or for other purposes. Held-to-maturity securities are recorded at cost, adjusted for the amortization or accretion of premiums or discounts. Interest income and dividends on securities are recognized in interest income on an accrual basis. Premiums and discounts on debt securities are amortized or accreted over the life of the related security as an adjustment of the yield. Realized gains and losses are included in earnings and the cost of securities sold is derived using the specific identification method. Unrealized gains and losses, net of the related tax effect, on securities available-for-sale are excluded from earnings and are reported as a separate component of shareholders’ equity. Management measures expected credit losses on held-to-maturity securities by individual security. Accrued interest receivable on held-to-maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers credit ratings and historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. For available-for-sale securities in an unrealized loss position, management first assesses whether it intends to sell, or is more likely than not be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available-for-sale that do not meet the aforementioned criteria, Atlantic Capital evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in OCI. Changes in the allowance for credit losses are recorded as a provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on available-for-sale debt securities is not included in the estimate of credit losses. Federal Home Loan Bank Stock/Federal Reserve Bank Stock The Company holds FHLB and FRB stock. The Company accounts for the stock based on the industry guidance in Accounting Standard Codification 325-942, Investments - Other Discontinued Operations Portions of the Company that were disposed of by sale, and that represented a strategic shift that had a major effect on operations and financial results, were accounted for as discontinued operations. Additional information on discontinued operations can be found in Note 3 - Divestitures and Discontinued Operations. Loans Loans Held for Investment Loans are stated at the amount of unpaid principal, net of the allowance for loan losses, deferred income (net of deferred costs) and other unearned income. Interest income on loans is recognized using the effective yield method on the daily balances of the principal amount outstanding. Loan origination fees, net of direct loan origination costs, commitment fees, premiums and discounts are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable. Loans are considered to be past due when payment is not received from the borrower by the contractually specified due date. Interest accruals on loans are discontinued when interest or principal has been in default 90 days or more, unless the loan is secured by collateral that is sufficient to repay the debt in full and the loan is in the process of collection. When a loan is placed on nonaccrual status, interest accrued and not paid in the current accounting period is reversed against current period income. Interest accrued and not paid in prior periods, if significant, is reversed against the allowance for loan losses. Income on such loans is subsequently recognized on a cash basis as long as the future collection of principal is deemed probable or after all principal payments are received. Commercial loans are placed back on accrual status after sustained performance of timely and current principal and interest payments and it is probable that all remaining amounts due, both principal and interest, are fully collectible according to the terms of the loan agreement. Residential loans and consumer loans are generally placed back on accrual status when they are no longer past due. The Company evaluates loans in accordance with the provisions within FASB ASC 310-40, Troubled Debt Restructurings by Creditors Section 4013 “Temporary Relief From Troubled Debt Restructurings,” of the Coronavirus Aid, Relief, and Economic Security Act, passed by Congress and signed into law on March 27, 2020, allowed financial institutions the option to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time during the COVID-19 pandemic. On April 7, 2020, the Federal Financial Institutions Examination Council provided additional guidance in its Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised). This guidance received concurrence from the FASB and clarified that loan modifications made under the following criteria are generally not considered TDRs if: ● the modification is in response to the national emergency; ● payments at the time the modification program is implemented; and ● the modification is short-term (e.g., six months). The 2021 Consolidated Appropriations Act extended the TDR relief outlined in Section 4013 of the Cares Act to the earlier of 60 days after the national emergency termination date or January 1, 2022. During the year ended December 31, 2015, the Company acquired loans through a business combination. Certain loans showed evidence of credit deterioration. Following the Branch Sale in 2019, we no longer had any of these purchased loans with evidence of credit deterioration. A majority of the acquired loans did not show signs of credit deterioration and were accounted for under ASC 310-20. As such, the difference between the fair value and the unpaid principal balance of loans at acquisition is accreted into interest income over the life of the loan. In the third quarter of 2012, the Bank entered into a sub-participation agreement with a commercial bank (the participating bank), whereby pursuant to the sub-participation agreement, the Bank purchases participation interests in single-family mortgage loans from the participating bank that has purchased ownership interests from unaffiliated mortgage originators that seek funding to facilitate the origination of single-family residential mortgage loans for sale in the secondary market. The originators underwrite and close mortgage loans consistent with established standards of approved investors and, once the sales close, the originators and the participating bank deliver the loans to the investors. Typically, the participating bank purchases up to an aggregate of a 99% ownership interest with the originators retaining the remaining 1% interest. The Bank typically purchases a 40% or less interest in the mortgage warehouse loans from the participating bank. These loans are held for short periods, usually less than 30 days. These mortgage warehouse loans are classified as held for investment as of December 31, 2019. There were no mortgage warehouse loans outstanding as of December 31, 2020. Loans Held for Sale The Company had loans held-for-sale related to branch divestitures and also, at times, will have loans held for sale in connection with the SBA department. Loans held-for-sale are carried at lower of cost or market on an individual loan basis. Held-for-investment loans that have been transferred to held-for-sale are carried at lower of cost or fair value. Fair value is determined from observable current market prices. The credit component of any charge-off upon transfer to held-for-sale is reflected in the allowance for loan losses. Allowance for Loan Losses Adoption of New Accounting Standard On January 1, 2020, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet credit exposures. Results for reporting periods beginning after January 1, 2020 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a decrease to retained earnings of $72,000, net of tax, as of January 1, 2020 for the cumulative effect of adopting ASC 326. The transition adjustment includes a $1.3 million increase related to the allowance for credit losses on unfunded commitments mostly offset by an $854,000 decrease related to the allowance for credit losses on loans as well as a $20,000 increase related to held-to-maturity securities. The Company finalized the adoption as of January 1, 2020 as detailed in the following table January 1, 2020 As Reported Impact of Pre-ASC 326 Under ASC 326 (in thousands) Adoption ASC 326 Adoption (1) Assets: Allowance for credit losses on debt securities held-to-maturity U.S. states and political divisions - tax-exempt $ - $ 13 $ 13 U.S. states and political divisions - taxable - 7 7 Total allowance for credit losses on debt securities held-to-maturity - 20 20 Allowance for credit losses on loans Loans Commercial and industrial 9,015 8,578 (437) Commercial real estate 7,504 6,868 (636) Construction and land 1,685 1,819 134 Residential mortgages 81 108 27 Home equity 63 121 58 Consumer 42 101 59 Other 145 78 (67) Mortgage warehouse - 8 8 Total allowance for credit losses on loans 18,535 17,681 (854) Liabilities: Allowance for credit losses on unfunded commitments 892 2,167 1,275 Total allowance for credit losses $ 19,427 $ 19,868 $ 441 (1) he adoption of CECL resulted in a reduction of retained earnings totaling $72,000 , net of tax. Allowance for Credit Losses on Loans The allowance for credit losses on loans is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectibility of a loan balance is confirmed and recoveries are credited to the allowance when received. The Company may also account for expected recoveries should information of an anticipated recovery become available. In the case of actual or expected recoveries, amounts may not exceed the aggregate of amounts previously charged off. Management utilizes relevant available information, from internal and external sources, relating to past events, current conditions, historical loss experience, and reasonable and supportable forecasts. The lookback period in the analysis includes historical data from June 2015 to present. Adjustments to historical loss information are made when management determines historical data are not likely reflective of the current portfolio such as limited data sets or lack of default or loss history. Management may selectively apply external market data to subjectively adjust the Company’s own loss history including index or peer data. Accrued interest receivable was excluded from the estimate of credit losses for loans except for accrued interest receivable on loans with deferrals. Collective Assessment The allowance for credit losses on loans is measured on a collective cohort basis when similar risk characteristics exist. Generally, collectively assessed loans are grouped by call report code and then risk grade grouping. Risk grade is grouped within each call code by pass, special mention, substandard, and doubtful. Other loan types are separated into their own cohorts due to specific risk characteristics for that pool of loans. Examples include CD-secured fintech loans, SBA purchased loans, PPP loans and TriNet loans. The Company has elected a cash flow methodology with PD and LGD for all call code cohorts and TriNet. CD-secured fintech loans, PPP loans and SBA purchased loans are measured with zero risk due to cash collateral and full guaranty, respectively. The PD calculation looks at the historical loan portfolio at particular points in time (each month during the lookback period) to determine the probability that loans in a certain cohort will default over the next 12 month period. A default is defined as a loan that has moved to past due 90 days and greater, nonaccrual status, or experienced a charge-off during the period. In cohorts where the Company’s historical data are insufficient due to less than 20 loans on average in the pool or zero defaults, management uses index PDs in place of the Company’s historical PDs. Additionally, management reviews all other cohorts to determine if index PDs should be used outside of these criteria. The LGD calculation looks at actual losses (net charge-offs) experienced over the entire lookback period for each cohort of loans. The aggregate loss amount is divided by the exposure at default to determine an LGD rate. All defaults (non-accrual, charge-off, or greater than 90 days past due) occurring during the lookback period are included in the denominator, whether a loss occurred or not and exposure at default is determined by the loan balance immediately preceding the default event (i.e. nonaccrual or charge-off). Due to very limited charge-off history, management uses index LGDs in place of the Company’s historical LGDs. The Company utilizes reasonable and supportable forecasts of future economic conditions when estimating the allowance for credit losses on loans. The calculation includes a 12-month PD forecast based on the Company’s regression model comparing peer nonperforming loan ratios to the national unemployment rate and the most recently published Wall Street Journal survey of economists’ forecast. After the forecast period, PD rates revert on a straight-line basis to long-term average rates over a 12-month period. The Company recognizes that all significant factors that affect the collectability of the loan portfolio must be considered to determine the estimated credit losses as of the evaluation date. Furthermore, the collective assessment methodology, in and of itself and even when selectively adjusted by comparison to market and peer data, does not provide a sufficient basis to determine the estimated credit losses. The Company adjusts the modeled historical losses by a Qualitative and Environmental factor to incorporate all significant risks to form a sufficient basis to estimate the credit losses. Individual Assessment Loans classified as Nonaccrual, TDR, or Reasonably Expected TDR will be reviewed quarterly for potential individual assessment. Any loan classified as a Nonaccrual or TDR that is not determined to need individual assessment will be evaluated collectively within its respective cohort. All Reasonably Expected TDR loans will be evaluated individually to account for expected modifications in loan terms. Where the primary and/or expected source of repayment of a specific loan is believed to be the future liquidation of available collateral, impairment will generally be measured based upon expected future collateral proceeds, net of disposition expenses including sales commissions as well as other costs potentially necessary to sell the asset(s) (i.e. past due taxes, liens, etc.) Estimates of future collateral proceeds will be based upon available appraisals, reference to recent valuations of comparable properties, use of consultants or other professionals with relevant market and/or property-specific knowledge, and any other sources of information believed appropriate by management under the specific circumstances. When appraisals are ordered to support the impairment analysis of an impaired loan, the appraisal is reviewed by Atlantic Capital’s internal appraisal reviewer or a qualified third party reviewer. Where the primary and/or expected source of repayment of a specific loan is believed to be the receipt of principal and interest payments from the borrower and/or the refinancing of the loan by another creditor, impairment will generally be measured based upon the present value of expected proceeds discounted at the contractual interest rate. Expected refinancing proceeds may be estimated from review of term sheets actually received by the borrower from other creditors and/or from the Company’s knowledge of terms generally available from other banks, asset-based lenders, factoring companies and institutional lenders (Government Sponsored Entities, insurance companies, etc.) Determining the Contractual Term Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a TDR will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. Prepayment assumptions will be determined by analysis of historical behavior by loan cohort. Troubled Debt Restructurings A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered to be a TDR. Any loan that is being considered for modification and expected to result in a TDR is identified as a Reasonably Expected TDR. Reasonably Expected TDRs are assessed in the CECL calculation utilizing their expected modified terms. The allowance for credit losses on a TDR is measured using the same method as all other loans held for investment, except that the original interest rate is used to discount the expected cash flows when a rate modification has occurred. Allowance for Credit Losses on Unfunded Commitments Atlantic Capital estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by Atlantic Capital. The allowance for credit losses on unfunded commitments is adjusted through a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The estimate utilizes the same factors and assumptions as the allowance for credit losses on loans and is applied at the same collective cohort level. Premises and Equipment, Net Land is carried at cost. Other premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the respective assets. In general, estimated lives for buildings and improvements are up to 40 years, furniture and equipment useful lives range from one ten The Company determines if a lease is present at the inception of an agreement. Operating leases are capitalized at commencement and are discounted using the Company’s FHLB borrowing rate for a similar term borrowing unless the lease defines an implicit rate within the contract. Leases with original terms of less than 12 months are not capitalized. Right-of-use assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease right-of-use assets and operating lease liabilities are recognized on the lease commencement date based on the present value of lease payments over the lease term. No significant judgments or assumptions were involved in developing the estimated operating lease liabilities as the Company’s operating lease liabilities largely represent future rental expenses associated with operating leases and the borrowing rates are based on publicly available interest rates. The lease term includes options to extend or terminate the lease. These options to extend or terminate are assessed on a lease-by-lease basis and adjustments are made to the right-of-use asset and lease liability if the Company is reasonably certain that an option will be exercised and will be expensed on a straight-line basis. Right-of-use assets and lease liabilities arising from operating leases are included within premises and equipment, net and other liabilities, respectively, on the Consolidated Balance Sheets. See Note 7 – Premises and Equipment for additional information on leases. Goodwill and Other Intangible Assets Goodwill is an asset representing the future economic benefits from other assets acquired that are not individually identified and separately recognized. Goodwill is measured as the excess of the consideration transferred, net of the fair value of identifiable assets acquired and liabilities assumed at the acquisition date. Goodwill is not amortized, but instead is tested for impairment annually or more frequently if events or circumstances exist that indicate a goodwill impairment test should be performed. Other intangible assets, which are initially recorded at fair value, consist of core deposit intangible assets resulting from Atlantic Capital’s acquisition of First Security. Core deposit intangible assets are amortized on a sum-of-all-months basis over their estimated useful lives. The Company evaluates its other intangible assets for impairment whenever events or changes in circumstances indicate the carrying amount of the asset may not be recoverable. Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lower of the loan balance or fair value at the date of foreclosure, less estimated costs to sell. Any difference between the initial cost basis and the carrying value of the loan is charged to the allowance for loan losses at the date of the transfer to other real estate owned. Subsequent to foreclosure, any further declines in value of the assets are recorded as adjustments to the asset’s carrying amount and reported in noninterest expense, along with costs related to holding the properties, in the Consolidated Statements of Income. Servicing Rights The Company sells certain loans to third parties. All such transfers are accounted for as sales by the Company. Gains or losses upon sale are recorded in noninterest income. The Company records a separate servicing asset for the loans when the servicing is retained and the expected servicing income is more than adequate compensation for providing the servicing. This asset represents the right or obligation to service the loans and receive a fee in compensation. Servicing assets are initially recorded at their fair value as a component of the sale proceeds. The fair value of the servicing assets is based on an analysis of discounted cash flows that incorporates estimates of (1) market servicing costs, (2) market-based prepayment rates, and (3) market profit margins. The Company has elected to subsequently measure the servicing assets under the amortization method and measured for impairment on a quarterly basis. The rate of prepayment of loans serviced is the most significant estimate involved in the measurement process. Estimates of prepayment rates are based on market participant’s expectations of future prepayment rates, reflecting the Company’s historical rate of loan repayments if consistent with market participant assumptions, industry trends, and other considerations. Actual prepayment rates may differ from those projected by management due to changes in a variety of economic factors, including prevailing interest rates and the availability of alternative financing sources to borrowers. If actual prepayments of the loans being serviced were to occur more quickly than projected, an impairment could exist, and the carrying value of servicing assets may require a write-down through a charge to earnings in the current period. Accordingly, the servicing assets actually realized, could differ from the amounts initially recorded. Bank Owned Life Insurance The Bank has purchased life insurance policies on certain key personnel. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Segment Reporting Atlantic Capital considers its operations to be a single business segment as defined in ASC 280, Segment Reporting Income Taxes The provision for income taxes is based on income and expense reported for financial statement purposes after adjustments for permanent differences. Deferred tax assets and liabilities are recorded for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Future tax benefits, such as net operating loss carryforwards, are recognized to the extent that realization of such benefits is more likely than not. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. A valuation allowance is provided when it is deemed more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the ability to realize the deferred tax assets, management considers the four possible sources of taxable income including future reversals of existing taxable temporary differences, future taxable income, taxable income in prior carryback years and tax-planning strategies that would be implemented to utilize the loss carryforwards prior to expiration. A tax position is recognized as a benefit only if it is more-likely-than-not that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. Atlantic Capital files its income tax returns on a consolidated basis. For additional information, see, Note 14 - Income Taxes. Stock-Based Compensation Atlantic Capital sponsors a stock-based compensation plan, which is described more fully in Note 15 - Employee and Director Benefit Plans. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation expense for performance share awards are based on the fair value of Atlantic Capital’s stock at the grant date adjusted for market conditions, as well as the subsequent achievement of performance conditions. The total cost of the Company’s stock-based awards is recognized as expense on a straight-line basis over the vesting periods of the awards. Earnings Per Share Basic earnings per share are computed by dividing net income available to common shareholders by the weighted-average number of common shares outstanding during each period. Diluted earnings per share are based on the weighted-average number of common shares outstanding during each period, plus common share equivalents calculated for stock options outstanding using the treasury stock method. When a net loss is recognized for the period, diluted earnings per share is calculated in the same manner as basic earnings per share. Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the financial statements when they are funded. Fair Value Certain assets and liabilities are measured at fair value on a recurring basis. Examples of these include available-for-sale securities and derivative instruments. Fair value is used on a nonrecurring basis when assets are evaluated for impairment; the basis for accounting is lower of cost or market or fair value for disclosure purposes. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. ASC 820, Fair Value Measurements and Disclosures Derivative Financial Instruments The Company follows the guidance under ASC 815, Derivatives and Hedging Going Concern Assessment I Disclosure of Uncertainties about and Entity’s Ability to Continue as a Going Concern

Accounting Standards Updates an

Accounting Standards Updates and Recently Adopted Standards	12 Months Ended
Accounting Standards Updates and Recently Adopted Standards	Dec. 31, 2020
Accounting Standards Updates and Recently Adopted Standards
Accounting Standards Updates and Recently Adopted Standards	NOTE 2 – ACCOUNTING STANDARDS UPDATES AND RECENTLY ADOPTED STANDARDS Recently Adopted Accounting Pronouncements In March 2020, the FASB issued ASU No. 2020-04, “ Reference Rate Reform (Topic 848) – Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” The amendments in this update provide optional expedients and exceptions for applying GAAP to contracts, hedging relationships and other transactions affected by the discontinuance of LIBOR. ASU 2020-04 is effective as of March 12, 2020 through December 31, 2022. The Company is in the process of evaluating the impact that the discontinuance of LIBOR will have on its existing contracts and consolidated financial statements. In May 2019, the FASB issued ASU No. 2019-05, “ Financial Instruments - Credit Losses (Topic 326); Targeted Transition Relief .” This ASU allows entities to irrevocably elect, upon adoption of ASU 2016-13, the fair value option on financial instruments that (1) were previously recorded at amortized cost and (2) are within the scope of ASC 326-20 if the instruments are eligible for the fair value option under ASC 825-10. The fair value option election does not apply to held-to-maturity debt securities. Entities are required to make this election on an instrument-by-instrument basis. ASU 2019-05 has the same effective date as ASU 2016-13 (i.e., the first quarter of 2020). The Company did not elect the fair value option, and therefore, ASU 2019-05 did not impact the Company’s consolidated financial statements. In August 2018, the FASB issued ASU No. 2018-13, “F air Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement.” The amendments in this update modify the disclosure requirements for fair value measurements by removing, modifying, or adding certain disclosures. The update is effective for interim and annual periods in fiscal years beginning after December 31, 2019, with early adoption permitted for the removed disclosures and delayed adoption until fiscal year 2020 permitted for new disclosures. The removed and modified disclosures will be adopted on a retrospective basis and the new disclosures will be adopted on a prospective basis. The adoption did not have a material effect on the Company’s consolidated financial statements. In January 2017, the FASB issued ASU 2017-04, “Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment,” which intends to simplify goodwill impairment testing by eliminating the second step of the analysis under which the implied fair value of goodwill is determined as if the reporting unit were being acquired in a business combination. The update instead requires entities to compare the fair value of a reporting unit with its carrying amount and recognize an impairment charge for any amount by which the carrying amount exceeds the reporting unit’s fair value, to the extent that the loss recognized does not exceed the amount of goodwill allocated to that reporting unit. ASU 2017-04 must be applied prospectively and was effective for the Company on January 1, 2020. The new guidance did not have a material impact on its financial condition or results of operations. In June 2016, the FASB issued ASU 2016-13, “Financial Instruments - Credit Losses (Topic 326) Measurement of Credit Losses on Financial Instruments.” ASU 2016-13 requires an entity to utilize a new impairment model known as CECL to estimate its lifetime “expected credit loss” and record an allowance that, when deducted from the amortized cost basis of the financial asset, presents the net amount expected to be collected on the financial asset. The CECL model is expected to result in more timely recognition of credit losses. ASU 2016-13 also requires new disclosures for financial assets measured at amortized cost, loans and available-for-sale debt securities. ASU 2016-13 was effective for public companies for annual periods beginning after December 15, 2019, including interim periods within those fiscal years. Entities apply the standard’s provisions as a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted and this totaled $72,000 , net of tax. For more information, refer to Note 1 of the Consolidated Financial Statements. Recently Issued Accounting Pronouncements Not Yet Adopted In December 2019, the FASB issued ASU No. 2019-12, “Simplifying the Accounting for Income Taxes.” This ASU simplifies the accounting for income taxes by eliminating certain exceptions to the guidance in ASC 740 related to the approach for intraperiod tax allocation, the methodology for calculating income taxes in an interim period and the recognition of deferred tax liabilities for outside basis differences. The new guidance also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. Finally, it clarifies that single-member limited liability companies and similar disregarded entities that are not subject to income tax are not required to recognize an allocation of consolidated income tax expense in their separate financial statements, but they could elect to do so. ASU 2019-12 is effective for interim and annual reporting periods beginning after December 15, 2020, and early adoption is permitted. Adoption of t he new guidance is not expected to have a material impact on the Company’s consolidated financial statements .

Divestitures and Discontinued O

Divestitures and Discontinued Operations	12 Months Ended
Divestitures and Discontinued Operations	Dec. 31, 2020
Divestitures and Discontinued Operations
Divestitures and Discontinued Operations	NOTE 3 – DIVESTITURES AND DISCONTINUED OPERATIONS Discontinued Operations On April 5, 2019, the Bank completed the sale to FirstBank of its Tennessee and northwest Georgia banking operations, including 14 branches and the mortgage line of business. FirstBank assumed deposits and customer repurchase agreements of approximately $598 million and purchased approximately $385 million in loans. FirstBank paid a deposit premium equal to 6.25% of the balance of assumed deposits less a discount of 0.68% of purchased loans. The income and expenses related to these branches for the years ended December 31, 2019 and 2018 are included in discontinued operations. Sale of Southeastern Trust Company On December 14, 2017, the Bank entered into an agreement with The Banc Group, LLC to sell its trust business, a division of the Bank known as Southeastern Trust Company, for approximately $1.8 million. The Banc Group, LLC, which subsequently changed its name to Southeastern Trust Company, LLC, is controlled by a former director and Chief Operating Officer of the Company. The sale of SETCO closed on June 1, 2018 and Atlantic Capital recorded a gain of $1.7 million during the second quarter, which was net of goodwill impairment in the amount of $69,000 . The following table presents results of the discontinued operations for the years ended December 31, 2019 and 2018: Components of Net Income from Discontinued Operations For the year ended December 31, (in thousands) 2019 2018 Net interest income $ 3,086 $ 14,140 Provision for loan losses — (3,097) Net interest income after provision for loan losses 3,086 17,237 Service charges 527 1,922 Mortgage income 288 1,302 Gain on sale of branches 34,475 — Other (loss) income (1) 123 Total noninterest income 35,289 3,347 Salaries and employee benefits 2,757 11,714 Occupancy 410 2,016 Equipment and software 131 779 Amortization of intangibles 247 1,229 Communications and data processing 586 1,529 Divestiture expense 5,095 825 Other noninterest expense 459 1,849 Total noninterest expense 9,685 19,941 Net income before provision for income taxes 28,690 643 Provision for income taxes 6,993 161 Net income from discontinued operations $ 21,697 $ 482 There were no assets or liabilities related to discontinued operations on the Consolidated Balance Sheets as of December 31, 2020 and December 31, 2019.

Balance Sheet Offsetting

Balance Sheet Offsetting	12 Months Ended
Balance Sheet Offsetting	Dec. 31, 2020
Balance Sheet Offsetting
Balance Sheet Offsetting	NOTE 4 – BALANCE SHEET OFFSETTING Atlantic Capital enters into reverse repurchase agreements in order to invest short-term funds. The Company enters into repurchase agreements for short-term financing needs. The following table presents a summary of amounts outstanding in derivative financial instruments including those entered into in connection with the same counterparty under master netting agreements as of December 31, 2020 and 2019. While these agreements are typically over-collateralized, GAAP requires disclosures in this table to limit the amount of such collateral to the amount of the related recognized asset or liability for each counterparty. Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash (in thousands) Recognized Offset on the Asset Financial Collateral December 31, 2020 Assets Balance Sheet Balance Instruments Received Net Amount Derivatives $ 22,184 $ — $ 22,184 $ — $ — $ 22,184 Total $ 22,184 $ — $ 22,184 $ — $ — $ 22,184 Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Liability Financial Collateral Liabilities Balance Sheet Balance Instruments Pledged Net Amount Derivatives $ 11,496 $ — $ 11,496 $ (11,496) $ — $ — Total $ 11,496 $ — $ 11,496 $ (11,496) $ — $ — Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Asset Financial Collateral December 31, 2019 Assets Balance Sheet Balance Instruments Received Net Amount Derivatives $ 8,856 $ — $ 8,856 $ — $ — $ 8,856 Total $ 8,856 $ — $ 8,856 $ — $ — $ 8,856 Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Liability Financial Collateral Liabilities Balance Sheet Balance Instruments Pledged Net Amount Derivatives $ 5,647 $ — $ 5,647 $ (5,647) $ — $ — Total $ 5,647 $ — $ 5,647 $ (5,647) $ — $ —

Securities

Securities	12 Months Ended
Securities	Dec. 31, 2020
Securities
Securities	NOTE 5 – SECURITIES The following table presents the amortized cost, fair value, and allowance for credit losses on securities available-for-sale and held-to-maturity at December 31, 2020 and December 31, 2019 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses: Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value (in thousands) December 31, 2020 Available-For-Sale U.S. states and political divisions $ 78,117 $ 2,906 $ (4) $ 81,019 Trust preferred securities 4,835 — (113) 4,722 Corporate debt securities 19,526 295 — 19,821 Residential mortgage-backed securities 190,817 4,023 (242) 194,598 Commercial mortgage-backed securities 33,150 2,123 (10) 35,263 Total available-for-sale 326,445 9,347 (369) 335,423 Gross Gross Allowance Net Amortized Unrecognized Unrecognized for Credit Carrying Cost Gains Losses Fair Value Losses Value Held-to-Maturity U.S. states and political divisions 200,170 14,439 (25) 214,584 (14) 200,156 Total held-to-maturity 200,170 14,439 (25) 214,584 (14) 200,156 Total securities $ 526,615 $ 23,786 $ (394) $ 550,007 Gross Gross December 31, 2019 Amortized Unrealized Unrealized Available-For-Sale Cost Gains Losses Fair Value U.S. states and political divisions $ 81,865 $ 863 $ (243) $ 82,485 Trust preferred securities 4,808 — (120) 4,688 Corporate debt securities 19,557 363 — 19,920 Residential mortgage-backed securities 138,552 1,885 (424) 140,013 Commercial mortgage-backed securities 34,495 912 (52) 35,355 Total available-for-sale 279,277 4,023 (839) 282,461 Held-to-Maturity U.S. states and political divisions 116,972 104 (1,785) 115,291 Total held-to-maturity 116,972 104 (1,785) 115,291 Total securities $ 396,249 $ 4,127 $ (2,624) $ 397,752 The following table presents the activity in the allowance for credit losses on securities held-to-maturity by major security type for the year ended December 31, 2020. For the Year Ended December 31, 2020 U.S. States and U.S. States and Political Subdivisions Political Subdivisions Tax-exempt Taxable Total (in thousands) Allowance for credit losses on securities held-to-maturity: Beginning balance $ — $ — $ — Impact of adopting ASU 2016-13 13 7 20 Provision for credit losses (3) (3) (6) Securities charged-off — — — Recoveries — — — Total ending allowance balance $ 10 $ 4 $ 14 Management measures expected credit losses on held-to-maturity debt securities on an individual basis. Accrued interest receivable on held-to-maturity debt securities totaled $2.1 million at December 31, 2020 and $796,000 at December 31, 2019, is recorded in Other Assets on the Consolidated Balance Sheets and is excluded from the estimate of credit losses. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Accrued interest receivable on available-for-sale debt securities totaled $1.2 million at both December 31, 2020 and 2019, is recorded in Other Assets on the Consolidated Balance Sheets, and is not included in the estimate of credit losses. Atlantic Capital monitors the credit quality of debt securities held-to-maturity quarterly through the use of credit rating, material event notices, and changes in market value. The following table summarizes the amortized cost of debt securities held-to-maturity at December 31, 2020, aggregated by credit quality indicator. Held-to-Maturity U.S. States and U.S. States and Political Subdivisions Political Subdivisions Tax-exempt Taxable Total December 31, 2020 (in thousands) Aaa $ 54,301 $ 22,836 $ 77,137 Aa1 37,048 14,803 51,851 Aa2 29,951 22,833 52,784 Aa3 12,147 4,044 16,191 A1 2,207 — 2,207 Total $ 135,654 $ 64,516 $ 200,170 As of December 31, 2020, there were no debt securities held-to-maturity that were classified as either nonaccrual The following table presents the amortized cost and fair value of available-for-sale and held-to-maturity debt securities by contractual maturity at December 31, 2020. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-For-Sale Held-to-Maturity Amortized Fair Amortized Fair Cost Value Cost Value (in thousands) Within 1 year $ 9,526 $ 9,752 $ — $ — After 1 year through 5 years 2,771 2,901 — — After 5 years through 10 years 36,559 37,571 315 325 After 10 years 53,622 55,338 199,855 214,259 102,478 105,562 200,170 214,584 Residential mortgage-backed securities 190,817 194,598 — — Commercial mortgage-backed securities 33,150 35,263 — — Total $ 326,445 $ 335,423 $ 200,170 $ 214,584 The following table summarizes available-for-sale securities and held-to-maturity securities in an unrealized loss position as of December 31, 2020 and December 31, 2019. Less than 12 months 12 months or greater Totals Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2020 Value Losses Value Losses Value Losses (in thousands) Available-for-Sale U.S. states and political divisions $ — $ — $ 1,987 $ (4) $ 1,987 $ (4) Trust preferred securities — — 4,721 (113) 4,721 (113) Residential mortgage-backed securities 68,042 (231) 205 (11) 68,247 (242) Commercial mortgage-backed securities 3,750 (10) — — 3,750 (10) Total available-for-sale 71,792 (241) 6,913 (128) 78,705 (369) Held-to-Maturity U.S. states and political divisions 2,241 (25) — — 2,241 (25) Total held-to-maturity 2,241 (25) — — 2,241 (25) Total securities $ 74,033 $ (266) $ 6,913 $ (128) $ 80,946 $ (394) December 31, 2019 Available-for-Sale U.S. states and political divisions $ 20,019 $ (190) $ 4,090 $ (53) $ 24,109 $ (243) Trust preferred securities — — 4,687 (120) 4,687 (120) Residential mortgage-backed securities 8,271 (26) 30,292 (398) 38,563 (424) Commercial mortgage-backed securities 2,480 (52) — — 2,480 (52) Total available-for-sale 30,770 (268) 39,069 (571) 69,839 (839) Held-to-Maturity U.S. states and political divisions 96,854 (1,785) — — 96,854 (1,785) Total held-to-maturity 96,854 (1,785) — — 96,854 (1,785) Total securities $ 127,624 $ (2,053) $ 39,069 $ (571) $ 166,693 $ (2,624) At December 31, 2020, there were 13 available-for-sale securities and 1 held-to-maturity security that were in an unrealized loss position. At December 31, 2019, there were 77 available-for-sale securities and 35 held-to-maturity securities that were in an unrealized loss position. Atlantic Capital does not intend to sell nor believes it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at December 31, 2020 and December 31, 2019 were attributable to changes in market interest rates. No credit impairment was recorded for those securities in an unrealized loss position for the years ended December 31, 2020 or 2019. Realized gains and losses are derived using the specific identification method for determining the cost of securities sold. The following table summarizes securities sales activity for the years ended December 31, 2020 and 2019. Year Ended December 31, 2020 2019 (in thousands) Proceeds from sales $ 385 $ 116,963 Gross realized gains $ — $ 1,675 Gross realized losses (23) (768) Net gains on sales of securities $ (23) $ 907 Investment securities with a carrying value of $43.9 million and $32.3 million were pledged to secure public funds and other borrowings at December 31, 2020 and December 31, 2019, respectively. As of December 31, 2020 and December 31, 2019, Atlantic Capital had investments with a carrying value of $5.4 million and $4.7 million, respectively, in SBICs and other partnerships where Atlantic Capital is a limited partner. These investments are included in other assets on the Consolidated Balance Sheets. During the year ended December 31, 2020, the Company did not record any impairment on these SBICs. For the same period in 2019, the Company recorded an impairment in the amount of $26,000 on these SBICs. The impairment resulted from deterioration in the credit quality of one of the SBICs and their inability to pay distributions until their financial position improves. There have been no upward adjustments, cumulatively or year-to-date, on these investments.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
Loans and Allowance for Loan Losses	Dec. 31, 2020
Loans and Allowance for Loan Losses
Loans and Allowance for Loan Losses	NOTE 6 – LOANS AND ALLOWANCE FOR LOAN LOSSES The composition of the loan portfolio as of December 31, 2020 and December 31, 2019, is summarized below. December 31, 2020 December 31, 2019 (in thousands) Loans held for sale Loans held for sale — 370 Total loans held for sale $ — $ 370 Loans held for investment Commercial loans: Commercial and industrial $ 952,805 $ 705,115 Commercial real estate 909,101 916,328 Construction and land 145,595 127,540 Mortgage warehouse participations — 13,941 Total commercial loans 2,007,501 1,762,924 Residential: Residential mortgages 33,783 31,315 Home equity 25,443 25,002 Total residential loans 59,226 56,317 Consumer 176,066 37,765 Other 13,897 19,552 Total loans 2,256,690 1,876,558 Less net deferred fees and other unearned income (7,654) (3,034) Less allowance for credit losses on loans (31,818) (18,535) Loans held for investment, net $ 2,217,218 $ 1,854,989 At December 31, 2020 and December 31, 2019, loans with a carrying value of $474.5 million and $729.6 million, respectively, were pledged as collateral to secure FHLB advances and the Federal Reserve discount window. The fair value adjustments on purchased loans outside the scope of ASC 310-30 are also accreted to interest income over the life of the loans. At December 31, 2020, the unamortized balance of fair value discount on loans acquired through a business combination and not accounted for under ASC 310-30 was $262,000 compared to $279,000 at December 31, 2019. The allowance for credit losses on loans is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. It is comprised of specific allowance for individually assessed loans and a general allowance for loans that are collectively assessed in pools with similar risk characteristics. The allowance is regularly evaluated to maintain a level adequate to absorb expected losses inherent in the loan portfolio. Refer to Note 1, “Accounting Policies and Basis of Presentation” to the Consolidated Financial Statements for additional information. Accrued interest receivable totaled $10.8 million at December 31, 2020 and was reported in Other Assets on the Consolidated Balance Sheets. Included in the estimate of credit losses for loans was $49,000 related to accrued interest receivable totaling $4.4 million on loans with payment deferrals. The remaining balance of accrued interest receivable was excluded from the estimate of credit losses for loans. The following table presents the balance and activity in the allowance for credit losses on loans by portfolio segment for the years ended December 31, 2020 and 2019. 2020 2019 Year Ended December 31, Commercial Residential Consumer Total Commercial Residential Consumer Total (in thousands) Allowance for credit losses on loans: Beginning balance, prior to adoption of ASC 326 $ 18,203 $ 145 $ 187 $ 18,535 $ 17,322 $ 292 $ 237 $ 17,851 Impact of adopting ASC 326 (947) 8 85 (854) — — — — Provision for loan losses 15,171 706 615 16,492 2,910 (153) (45) 2,712 Loans charged-off (2,380) (161) — (2,541) (2,069) (9) (39) (2,117) Recoveries 174 1 11 186 40 15 34 89 Total ending allowance balance $ 30,221 $ 699 $ 898 $ 31,818 $ 18,203 $ 145 $ 187 $ 18,535 A charge-off is recognized when the amount of the loss is quantifiable and timing is known. A collateral based loan charge-off is measured based on the difference between the loan’s carrying value, including deferred fees, and the estimated net realizable value of the loan collateral. When assessing property value for the purpose of determining a charge-off, a third-party appraisal or an independently derived internal evaluation is generally employed. Nonaccrual loans include both homogeneous loans that are collectively evaluated for impairment and individually evaluated impaired loans. Atlantic Capital’s policy is to place loans on nonaccrual status, when, in the opinion of management, the principal and interest on a loan is not likely to be repaid in accordance with the loan terms or when the loan becomes 90 days past due and is not well secured and in the process of collection. When a loan is classified on nonaccrual status, interest previously accrued but not collected is reversed against current interest revenue. Principal and interest payments received on a nonaccrual loan are applied to reduce outstanding principal. Troubled Debt Restructurings Atlantic Capital evaluates loans in accordance with ASC 310-40, Troubled Debt Restructurings by Creditors As of December 31, 2020 and 2019, the Company had a recorded investment in TDRs of $14.2 million and $13.2 million, respectively. The Company allocated $656,000 in allowance for those loans with no commitments to lend additional funds at December 31, 2020. At December 31, 2019, the Company had commitments to lend additional funds of $4,000 on loans modified as TDRs. Loans, by portfolio class, modified as TDRs during the years ended December 31, 2020 and 2019, are as follows. Number of Loans Outstanding Balance Increase in Allowance (in thousands) Year Ended December 31, 2020 Commercial and industrial 1 $ 65 $ 2 Commercial real estate 1 1,919 172 Total 2 $ 1,984 $ 174 Year Ended December 31, 2019 Commercial and industrial 9 $ 4,699 $ 48 Commercial real estate 4 8,471 66 Total 13 $ 13,170 $ 114 The Company did not forgive any principal or give any interest rate reductions on TDRs during the years ended December 31, 2020 and 2019. The following table presents by class, all loans modified as TDRs that defaulted during the year ended December 31, 2020 and within twelve months of their modification date. There were no subsequent defaults for TDRs for the year ended December 31, 2019. A TDR is considered to be in default once it becomes 90 days or more contractually past due under the modified terms. e bye Twelve Months Ended December 31, 2020 Troubled debt restructurings that subsequently defaulted during the period within twelve months of their modification date: Number of Loans Outstanding Balance (in thousands) Commercial 2 $ 197 Total 2 $ 197 Section 4013 “Temporary Relief From Troubled Debt Restructurings,” of the Coronavirus Aid, Relief, and Economic Security Act, passed by Congress and signed into law on March 27, 2020, allows financial institutions the option to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time during the COVID-19 pandemic. This relief was extended by the 2021 Consolidated Appropriations Act. On April 7, 2020, the Federal Financial Institutions Examination Council provided additional guidance in its Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised). This guidance received concurrence from the FASB and clarified that loan modifications made under the following criteria are generally not considered TDRs if: ● the modification is in response to the national emergency; ● the borrower was current on payments at the time the modification program is implemented; and ● the modification is short-term (e.g., six months). The Bank conducts transactions with its directors and executive officers, including companies in which such officers or directors have beneficial interests. The following is a summary of activity with respect to related-party loans in 2020 and 2019. 2020 2019 (in thousands) Balance at January 1, $ — $ — Additions 4 6 Repayments (4) (6) Balance at December 31, $ — $ — Atlantic Capital individually rates loans based on internal credit risk ratings using numerous factors, including thorough analysis of historical and expected cash flows, consumer credit risk scores (FICO), rating agency information, LTV ratios, collateral, collection experience, and other internal metrics. The likelihood of default of a credit transaction is graded in the Obligor Rating and is determined through credit analysis. Ratings are generally reviewed at least annually or more frequently if there is a material change in creditworthiness. Exceptions to this policy may include loans with commitments less than $1 million, well collateralized term loans and loans to individuals with limited exposure or complexity. Atlantic Capital uses the following definitions for risk ratings: Pass: Special Mention: Substandard: Doubtful: As of December 31, 2020, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows. Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2020 2019 2018 2017 2016 Prior Cost Basis Total (in thousands) December 31, 2020 Commercial - commercial and industrial: Risk rating Pass $ 358,320 $ 130,466 $ 94,596 $ 44,706 $ 35,098 $ 16,621 $ 179,521 $ 859,328 Special mention 1,260 11,475 26,683 540 684 310 24,844 65,796 Substandard — 4,069 7,917 2,436 997 5,474 6,779 27,672 Doubtful — — 9 — — — — 9 Total commercial - commercial and industrial $ 359,580 $ 146,010 $ 129,205 $ 47,682 $ 36,779 $ 22,405 $ 211,144 $ 952,805 Commercial - commercial real estate: Risk rating Pass $ 88,246 $ 160,205 $ 146,807 $ 93,956 $ 123,959 $ 213,204 $ 9,189 $ 835,566 Special mention — 21,964 1,534 — 865 4,142 175 28,680 Substandard 5,328 6,102 4,323 3,262 9,674 16,166 — 44,855 Doubtful — — — — — — — — Total commercial - commercial real estate loans $ 93,574 $ 188,271 $ 152,664 $ 97,218 $ 134,498 $ 233,512 $ 9,364 $ 909,101 Commercial - construction and land: Risk rating Pass $ 71,828 $ 57,807 $ 4,407 $ — $ — $ 720 $ 6,012 $ 140,774 Special mention — — 2,665 — 2,156 — — 4,821 Substandard — — — — — — — — Doubtful — — — — — — — — Total commercial - construction and land loans $ 71,828 $ 57,807 $ 7,072 $ — $ 2,156 $ 720 $ 6,012 $ 145,595 Residential - mortgages: Risk rating Pass $ 9,848 $ 2,862 $ 14,040 $ 747 $ 2,817 $ 307 $ — $ 30,621 Special mention 1,237 — 857 753 — — — 2,847 Substandard — — 179 — 26 110 — 315 Doubtful — — — — — — — — Total residential - mortgage loans $ 11,085 $ 2,862 $ 15,076 $ 1,500 $ 2,843 $ 417 $ — $ 33,783 Residential - home equity: Risk rating Pass $ — $ — $ — $ — $ — $ — $ 24,717 $ 24,717 Special mention — — — — — — 726 726 Substandard — — — — — — — — Doubtful — — — — — — — — Total residential - home equity loans $ — $ — $ — $ — $ — $ — $ 25,443 $ 25,443 Consumer: Risk rating Pass $ 162,671 $ 5,429 $ — $ 50 $ 64 $ 4,964 $ 2,888 $ 176,066 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total consumer loans $ 162,671 $ 5,429 $ — $ 50 $ 64 $ 4,964 $ 2,888 $ 176,066 Consumer - other: Risk rating Pass $ — $ — $ 4,609 $ 1,327 $ — $ 640 $ 5,748 $ 12,324 Special mention — 1,117 — — — — — 1,117 Substandard — — — 456 — — — 456 Doubtful — — — — — — — — Total consumer - other loans $ — $ 1,117 $ 4,609 $ 1,783 $ — $ 640 $ 5,748 $ 13,897 Total: Pass $ 690,913 $ 356,769 $ 264,459 $ 140,786 $ 161,938 $ 236,456 $ 228,075 $ 2,079,396 Special Mention 2,497 34,556 31,739 1,293 3,705 4,452 25,745 103,987 Substandard 5,328 10,171 12,419 6,154 10,697 21,750 6,779 73,298 Doubtful — — 9 — — — — 9 Total $ 698,738 $ 401,496 $ 308,626 $ 148,233 $ 176,340 $ 262,658 $ 260,599 $ 2,256,690 As of December 31, 2019, the risk category of loans by class of loans is as follows. Special Substandard Substandard Doubtful Pass Mention Accruing Nonaccruing Nonaccruing Total (in thousands) December 31, 2019 Commercial and industrial $ 648,895 $ 40,179 $ 10,051 $ 5,990 $ - $ 705,115 Commercial real estate 891,078 5,483 19,504 263 - 916,328 Construction and land 127,540 - - - - 127,540 Residential mortgages 30,941 - 119 151 104 31,315 Home equity 24,302 - - 700 - 25,002 Mortgage warehouse 13,941 - - - - 13,941 Consumer/Other 56,336 500 481 - - 57,317 Total Loans $ 1,793,033 $ 46,162 $ 30,155 $ 7,104 $ 104 $ 1,876,558 The following table presents the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of December 31, 2020 and 2019: Year Ended December 31, 2020 Nonaccrual Nonaccrual Loans Past With No With Due Over Allowance for Allowance for Total 89 Days Credit Losses Credit Losses Nonaccrual Still Accruing Commercial loans: Commercial and industrial $ 2,597 $ 934 $ 3,531 $ — Commercial Real Estate 42 — 42 $ — Total commercial loans 2,639 934 3,573 — Residential mortgages 205 — 205 1,084 Total loans $ 2,844 $ 934 $ 3,778 $ 1,084 Year Ended December 31, 2019 Nonaccrual Nonaccrual Loans Past With No With Due Over Allowance for Allowance for Total 89 Days Credit Losses Credit Losses Nonaccrual Still Accruing Commercial loans: Commercial and industrial $ 3,840 $ 2,150 $ 5,990 $ — Commercial Real Estate 262 — 262 $ 85 Total commercial loans 4,102 2,150 6,252 85 Residential 256 — 256 — Home Equity 700 — 700 — Total loans $ 5,058 $ 2,150 $ 7,208 $ 85 The gross additional interest income that would have been earned during the year ended December 31, 2020 had performing TDRs performed in accordance with the original terms is immaterial. Atlantic Capital recognized interest income on nonaccrual loans of $241,000, $301,000 and $227,000 during the years ended December 31, 2020, 2019 and 2018, respectively. The following table presents the amortized cost basis of collateral dependent impaired loans by class of loans as of December 31, 2020 and 2019: Year Ended December 31, 2020 Real Business SBA Property Equipment Assets Guaranty Total Commercial and industrial $ 2,165 $ 262 $ 150 $ 212 $ 2,789 Residential mortgages 205 — — — 205 Total loans $ 2,370 $ 262 $ 150 $ 212 $ 2,994 Year Ended December 31, 2019 Real Business SBA Property Equipment Assets Guaranty Total Commercial and industrial $ 185 $ 476 $ 1,216 $ 206 $ 2,083 Total loans $ 185 $ 476 $ 1,216 $ 206 $ 2,083 Atlantic Capital monitors loans by past due status. The following table presents the aging of the recorded investment in past due loans as of December 31, 2020 and 2019 by class of loans. As of December 31, 2020 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Past Due Loans Not Past Due Past Due Past Due Nonaccruing and Nonaccruing Past Due Total (in thousands) Loans by Classification Commercial and industrial $ 1,166 $ 1,749 $ 817 $ 3,531 $ 7,263 $ 945,542 $ 952,805 Commercial real estate 4,008 357 — 42 4,407 904,694 909,101 Construction and land — — — — — 145,595 145,595 Residential mortgages 479 925 267 205 1,876 31,907 33,783 Home equity — — — — — 25,443 25,443 Consumer 10,374 5,776 — — 16,150 173,813 189,963 Total Loans $ 16,027 $ 8,807 $ 1,084 $ 3,778 $ 29,696 $ 2,226,994 $ 2,256,690 As of December 31, 2019 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Past Due Loans Not Past Due Past Due Past Due Nonaccruing and Nonaccruing Past Due Total (in thousands) Loans by Classification Commercial and industrial $ 4,069 $ 30 $ — $ 5,990 $ 10,089 $ 695,026 $ 705,115 Commercial real estate 1,194 — 85 262 1,541 914,787 916,328 Construction and land — — — — — 127,540 127,540 Residential mortgages 707 — — 256 963 30,352 31,315 Home equity — — — 700 700 24,302 25,002 Mortgage warehouse — — — — — 13,941 13,941 Consumer 136 — — — 136 57,181 57,317 Total Loans $ 6,106 $ 30 $ 85 $ 7,208 $ 13,429 $ 1,863,129 $ 1,876,558 The following table presents loans repurchased and/or cash proceeds from loans sold during the years ended December 31, 2020 and 2019 by portfolio class. Of the loans sold where we have continuing involvement, $10.1 million and $8.9 million were delinquent at December 31, 2020 and 2019, respectively. These amounts are included in the past due table above. Year Ended December 31, 2020 Commercial and Commercial Residential Industrial Real Estate Mortgages Total (in thousands) Repurchases of SBA participations $ 2,474 $ 1,467 $ - $ 3,941 SBA Sales 32,293 13,353 836 46,482 Total Loans $ 34,767 $ 14,820 $ 836 $ 50,423 Year Ended December 31, 2019 Commercial and Commercial Residential Industrial Real Estate Mortgages Total (in thousands) Repurchases of SBA participations $ 2,754 $ 2,271 $ - $ 5,025 SBA Sales 48,282 20,074 392 68,748 Total Loans $ 51,036 $ 22,345 $ 392 $ 73,773

Premises and Equipment

Premises and Equipment	12 Months Ended
Premises and Equipment	Dec. 31, 2020
Premises and Equipment
Premises and Equipment	NOTE 7 – PREMISES AND EQUIPMENT Premises and equipment consist of the following: As of December 31, 2020 2019 (in thousands) Land and improvements $ — $ — Buildings and improvements — — Leasehold improvements 11,018 9,040 Equipment, furniture and software 12,982 11,636 Right of use asset - leases 9,931 11,940 Projects in process 150 147 Premises and equipment-gross 34,081 32,763 Accumulated depreciation (12,492) (10,227) Premises and equipment-net $ 21,589 $ 22,536 Depreciation expense was $2.4 million, $1.8 million, and $1.9 million in 2020, 2019, and 2018, respectively. Leases A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. On January 1, 2019, the Company adopted ASU No. 2016-02 “Leases” (Topic 842) and all subsequent ASUs that modified Topic 842. For the Company, Topic 842 primarily affected the accounting treatment for operating lease agreements in which the Company is the lessee. Operating leases in which the Company is the lessee are recorded as operating lease ROU assets Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent its obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in net occupancy expense in the Consolidated Statements of Income. The Company’s leases relate primarily to office space and bank branches with remaining lease terms of generally 1 to 12 years. Certain lease arrangements contain extension options which typically range from 5 to 10 years at the then fair market rental rates. As these extension options are not generally considered reasonably certain of exercise, they are not included in the lease term. Portions of certain properties are subleased for terms extending through 2024. As of December 31, 2020, operating lease ROU assets and liabilities were $9.9 million and $14.9 million, respectively, compared to $11.9 million and $16.9 million, respectively, as of December 31, 2019. The Company elected not to include short-term leases (i.e., leases with initial terms of twelve months or less) on the Consolidated Balance Sheets. Additionally, the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component. The Company’s leases include variable lease payments with annual increases based on changes in market rental rates. Rent expense, which was included in occupancy expense in the Consolidated Statements of Income, for the years ended December 31, 2020, 2019, and 2018 was $2.2 million, $2.3 million, and $3.1 million, respectively, The table below summarizes the Company’s net lease cost: Year Ended December 31, 2020 2019 (in thousands) Operating lease cost $ 2,195 $ 2,274 Short-term lease cost 30 44 Sublease income (366) (252) Net lease cost $ 1,859 $ 2,066 The tables below summarize other information related to the Company’s operating leases: Year Ended December 31, 2020 2019 (in thousands) Operating cash paid for amounts included in the measurement of lease liabilities $ 2,125 $ 1,944 ROU assets obtained in exchange for new finance lease liabilities — 17,807 As of December 31, 2020 2019 Weighted-average remaining lease term - operating leases 8.3 years 9.0 years Weighted-average discount rate - operating leases 3.03 % 3.05 % The table below summarizes the maturity of remaining lease liabilities: December 31, 2020 (in thousands) Twelve Months Ended: December 31, 2021 $ 2,176 December 31, 2022 2,419 December 31, 2023 2,026 December 31, 2024 1,937 December 31, 2025 1,904 Thereafter 7,532 Total future minimum lease payments 17,994 Less: Interest (3,095) Present value of net future minimum lease payments $ 14,899

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
Goodwill and Intangible Assets	Dec. 31, 2020
Goodwill and Intangible Assets
Goodwill and Intangible Assets	NOTE 8 – GOODWILL AND INTANGIBLE ASSETS Atlantic Capital tests goodwill for impairment annually in the fourth quarter. In assessing the possibility that the Company's fair value has been reduced below its carrying amount due to the occurrence of events or circumstances between annual impairment testing dates, Atlantic Capital considers all available evidence, including (i) downward revisions to internal forecasts or decreases in market multiples (and the magnitude thereof), if any, and (ii) declines in market capitalization below book value (and the magnitude and duration of those declines), if any. Atlantic Capital considered the declining market conditions generated by the COVID-19 pandemic during 2020 and performed an interim impairment test as of May 31, 2020 and an impairment test in connection with the annual goodwill assessment as of October 1, 2020, which incorporated a combination of income and market valuation approaches and indicated that no impairment existed surrounding goodwill on either date. Atlantic Capital continued to assess events and circumstances through the date of the filing of this Annual Report on Form 10-K that could potentially indicate goodwill impairment including analyzing the impacts from the COVID-19 pandemic. The carrying amount of goodwill and other intangible assets is summarized below: December 31, December 31, 2020 2019 (in thousands) Core deposit intangible $ — $ 9,544 Less: accumulated amortization — (6,100) Less: impairment to-date related to divested branches — (3,444) Total core deposit intangible — — Servicing assets, net 2,731 3,027 Total intangibles subject to amortization, net 2,731 3,027 Goodwill 19,925 19,925 Total goodwill and other intangible assets, net $ 22,656 $ 22,952 On April 5, 2019, the Bank completed the Branch Sale. In accordance with GAAP, Atlantic Capital allocated a proportionate share of its goodwill balance to the discontinued operations on a relative fair value basis and performed a qualitative assessment impairment test for the goodwill allocated to continuing operations. The qualitative goodwill impairment analysis of continuing operations indicated that it was more likely than not that the estimated fair value exceeded the carrying value as of the assessment date. Based on a relative fair value analysis performed through the date of the Branch Sale, goodwill impairment in the amount of $1.8 million related to the Branch Sale was recorded during the second quarter of 2019. The following table presents activity for goodwill and other intangible assets: Goodwill Core Deposit Intangible Total (in thousands) Balance at December 31, 2018 $ 21,690 $ 1,405 $ 23,095 Amortization — (247) (247) Impairment, due to Branch Sale (1,765) (1,158) (2,923) Balance at December 31, 2019 19,925 — 19,925 Amortization — — — Balance at December 31, 2020 $ 19,925 $ — $ 19,925 Atlantic Capital recognized amortization expense on its core deposit intangible of $247,000 and $1.2 million for the years ended December 31, 2019 and 2018, respectively, which was included in noninterest expense. The Company recorded impairment due to the Branch Sale totaling $1.2 million during 2019. There were no events or circumstances that led management to believe that any impairment existed at December 31, 2020 in Atlantic Capital’s other intangible assets.

Servicing Assets

Servicing Assets	12 Months Ended
Servicing Assets	Dec. 31, 2020
Servicing Assets
Servicing Assets	NOTE 9 – SERVICING RIGHTS SBA Servicing Rights SBA servicing rights are initially recorded at fair value. Subsequently, Atlantic Capital accounts for SBA servicing rights using the amortization method and they are included in other intangibles, net on the Consolidated Balance Sheets. As of December 31, 2020 and 2019, the balance of SBA loans sold and serviced by Atlantic Capital totaled $192.9 million and $185.5 million, respectively. Changes in the balance of SBA servicing assets for the years ended December 31, 2020 and 2019 are presented in the following table . Year ended December 31, SBA Loan Servicing Assets 2020 2019 (in thousands) Beginning carrying value, net $ 2,731 $ 2,539 Additions 834 1,226 Amortization (996) (1,034) Ending carrying value $ 2,569 $ 2,731 At December 31, 2020 and 2019, the sensitivity of the fair value of the SBA loan servicing rights to immediate changes in key economic assumptions are presented in the table below . Sensitivity of the SBA Servicing Assets December 31, 2020 December 31, 2019 (dollars in thousands) Fair value of retained servicing assets $ 2,907 $ 2,842 Weighted average life 3.17 years 3.77 years Prepayment speed: 18.03 % 14.87 % Decline in fair value due to a 10% adverse change $ (123) $ (150) Decline in fair value due to a 20% adverse change $ (236) $ (254) Weighted average discount rate 12.49 % 13.66 % Decline in fair value due to a 100 bps adverse change $ (59) $ (98) Decline in fair value due to a 200 bps adverse change $ (115) $ (156) The above sensitivities are hypothetical and should be used with caution. As the amounts indicate, changes in fair value based on valuation assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, the effect of a variation in a particular assumption on the fair value of the retained interest is calculated without changing any other assumption. In reality, changes in one factor may result in changes in another, which might magnify or counteract the sensitivities. TriNet Servicing Rights TriNet servicing rights are initially recorded at fair value. Subsequently, Atlantic Capital accounts for TriNet servicing rights using the amortization method and they are included in other intangibles, net. Changes in the balance of TriNet servicing assets for the years ended December 31, 2020 and 2019 are presented in the following table . Year Ended December 31, TriNet Servicing Assets 2020 2019 (in thousands) Beginning carrying value, net $ 296 $ 444 Amortization (134) (148) Ending carrying value $ 162 $ 296 At December 31, 2020 and 2019, the sensitivity of the fair value of the TriNet servicing rights to immediate changes in key economic assumptions are presented in the table below . Sensitivity of the TriNet Servicing Assets December 31, 2020 December 31, 2019 (dollars in thousands) Fair value of retained servicing assets $ 298 $ 414 Weighted average life 4.58 years 5.58 years Prepayment speed: 5.00 % 5.00 % Decline in fair value due to a 10% adverse change $ (3) $ (5) Decline in fair value due to a 20% adverse change $ (6) $ (10) Weighted average discount rate 8.00 % 8.00 % Decline in fair value due to a 100 bps adverse change $ (5) $ (9) Decline in fair value due to a 200 bps adverse change $ (11) $ (18) The above sensitivities are hypothetical and should be used with caution. As the amounts indicate, changes in fair value based on valuation assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, the effect of a variation in a particular assumption on the fair value of the retained interest is calculated without changing any other assumption. In reality, changes in one factor may result in changes in another, which might magnify or counteract the sensitivities.

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2020
Regulatory Matters
Deposits	NOTE 10 – DEPOSITS December 31, 2020 December 31, 2019 (in thousands) Non-interest bearing demand deposits $ 1,033,765 $ 824,646 Interest-bearing demand deposits 760,638 373,727 Savings and money market deposits 1,031,378 1,174,437 Time deposits less than $250,000 234,546 37,680 Time deposits $250,000 or greater 6,782 6,709 Brokered deposits 94,399 81,847 Total deposits $ 3,161,508 $ 2,499,046 Time deposits less than $250,000 at December 31, 2020 increased compared to December 31, 2019 due to the Company’s growth in its fintech partnership with a financial technology firm that offers CD-secured loans to its customers in order to build credit and/or improve their credit score. Brokered certificate of deposits issued in denominations of $100,000 or more are participated out by the deposit brokers in shares of $100,000 or less. Overdrawn deposits accounts reclassified as loans were $1.3 million and $383,000 at December 31, 2020 and 2019, respectively. There were $43.9 million and $32.3 million in investment securities pledged to secure public deposits and other secured borrowings as of December 31, 2020 and 2019, respectively. Deposits of certain officers, directors, and their associates totaled $8.9 million and $9.2 million as of December 31, 2020 and 2019, respectively. The scheduled maturities of time and brokered deposits as of December 31, 2020 are as follows: Time Brokered (in thousands) 2021 $ 238,973 $ 94,399 2022 1,872 — 2023 324 — 2024 45 — 2025 114 — Total $ 241,328 $ 94,399

Other Borrowings and Long Term

Other Borrowings and Long Term Debt	12 Months Ended
Other Borrowings and Long Term Debt	Dec. 31, 2020
Other Borrowings and Long Term Debt
Other Borrowings and Long Term Debt	NOTE 11 – OTHER BORROWINGS AND LONG TERM DEBT As of December 31, 2020 and December 31, 2019, Atlantic Capital had no FHLB borrowings outstanding. Interest expense for FHLB borrowings for the years ended December 31, 2020, 2019, and 2018 was $54,000, $817,000, and $2.4 million, respectively. At December 31, 2020, the Company had available line of credit commitments with the FHLB totaling $877.1 million, with no outstanding FHLB advances. However, based on actual collateral pledged, $88.8 million was available. At December 31, 2020, the Company had an available line of credit based on the collateral available of $256.7 million with the FRB of Atlanta. Interest expense on federal funds purchased for the years ended December 31, 2020, 2019, and 2018 totaled $41,000, $479,000, and $303,000, respectively. On August 20, 2020, Atlantic Capital issued 5.50% fixed-to-floating rate subordinated notes (the “Notes”) totaling $75 million in aggregate principal amount and callable at par plus accrued but unpaid interest on September 1, 2025. The Notes are due September 1, 2030 and bear a fixed rate of interest of 5.50% per year until September 1, 2025. From September 1, 2025 to the maturity date, the interest rate will be a floating rate equal to the three-month SOFR plus 536.3 basis points. The Notes were priced at 100% of their par value and qualify as Tier 2 regulatory capital On September 30, 2020, Atlantic Capital redeemed its 6.25% fixed-to-floating rate subordinated notes due 2025, previously issued on September 28, 2015 and totaling $50 million. Subordinated debt is summarized as follows: December 31, 2020 December 31, 2019 (in thousands) Floating rate 10 year capital securities, with interest paid semi-annually at an annual fixed rate of 6.25% until September 30, 2020 $ — $ 50,000 Floating rate 10 year capital securities, with interest paid semi-annually at an annual fixed rate of 5.50% until September 1, 2025 75,000 — Principal amount of subordinated debt $ 75,000 $ 50,000 Less debt issuance costs 1,193 127 Subordinated debt, net $ 73,807 $ 49,873 All subordinated debt outstanding at December 31, 2020 matures after more than five years.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
Accumulated Other Comprehensive Income (Loss)	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss)	NOTE 12 – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) Accumulated other comprehensive income (loss) for Atlantic Capital consists of changes in net unrealized gains and losses on investment securities available-for-sale and derivatives. The following tables present a summary of the changes in accumulated other comprehensive income (loss) balances for the applicable periods. For the Year Ended December 31, 2020 December 31, 2019 December 31, 2018 Income Income Income Tax Tax Tax Pre-Tax (Expense) After-Tax Pre-Tax (Expense) After-Tax Pre-Tax (Expense) After-Tax Amount Benefit Amount Amount Benefit Amount Amount Benefit Amount (in thousands) Accumulated other comprehensive income (loss) beginning of period $ 6,081 $ (1,520) $ 4,561 $ (13,743) $ 3,438 $ (10,305) $ (6,274) $ 2,415 $ (3,859) Reclassification of tax effects from AOCI — — — — — — — (844) (844) Unrealized net gains (losses) on investment securities available-for- sale 5,780 (1,427) 4,353 15,888 (3,974) 11,914 (8,070) 2,018 (6,052) Reclassification adjustment for net realized losses (gains) on investment securities available-for-sale 23 (6) 17 (907) 227 (680) 1,855 (464) 1,391 Unrealized net gains (losses) on derivatives 7,405 (1,829) 5,576 4,843 (1,211) 3,632 (1,254) 313 (941) Accumulated other comprehensive income (loss) end of period $ 19,289 $ (4,782) $ 14,507 $ 6,081 $ (1,520) $ 4,561 $ (13,743) $ 3,438 $ (10,305)

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
Earnings Per Common Share	Dec. 31, 2020
Earnings Per Common Share
Earnings Per Common Share	NOTE 13 – EARNINGS PER COMMON SHARE Basic earnings per share amounts are computed by dividing net income by the weighted average number of shares of common stock outstanding. Diluted earnings per share amounts are computed by dividing net income by the weighted average number of shares of common stock outstanding and the dilutive effects of the shares awarded under the stock option plan, based on the treasury stock method using an average fair market value of the stock during the respective periods. The following table represents the earnings per share calculations from continuing operations and discontinued operations for the years ended December 31, 2020, 2019, and 2018. Year Ended December 31, 2020 2019 2018 (in thousands, except share and per share amounts) (in thousands, except share and per share amounts) Net income from continuing operations $ 22,540 $ 28,158 $ 28,050 Net income from discontinued operations — 21,697 482 Net income available to common shareholders $ 22,540 $ 49,855 $ 28,532 Weighted average shares outstanding Basic (1) 21,342,086 23,315,562 25,947,038 Effect of dilutive securities: Stock options and performance share awards 85,636 162,439 164,717 Diluted 21,427,722 23,478,001 26,111,755 Net income per common share - basic Net income per common share - continuing operations $ 1.06 $ 1.21 $ 1.08 Net income per common share - discontinued operations — 0.93 0.02 Net income per common share - basic $ 1.06 $ 2.14 $ 1.10 Net income per common share - diluted Net income per common share - continuing operations $ 1.05 $ 1.20 $ 1.07 Net income per common share - discontinued operations — 0.92 0.02 Net income per common share - diluted $ 1.05 $ 2.12 $ 1.09 (1) Unvested restricted shares are participating securities and included in basic share calculations. Stock options outstanding of 150 and 2,124 at December 31, 2019 and 2018, respectively, have not been included in diluted earnings per share because to do so would have been anti-dilutive for the periods presented. These awards were considered anti-dilutive because the exercise price of the award was higher than the market value of the shares. There were no stock options outstanding at December 31, 2020 whose exercise price of the award was higher than the market value of the shares. The Amended and Restated Articles of Incorporation of Atlantic Capital authorize Atlantic Capital to issue 110,000,000 shares of capital stock, of which 10,000,000 shares are designated as preferred stock, no par value per share, and 100,000,000 shares are designated as common stock, no par value per share. Atlantic Capital had 20,394,912 and 21,751,026 shares of common stock issued outstanding Atlantic Capital had no shares of preferred stock outstanding at December 31, 2020 or 2019. The primary source of funds available to Atlantic Capital is payments of dividends from the Bank. The Bank paid dividends totaling $12.5 million and $45.5 million to Atlantic Capital in 2020 and 2019, respectively. Banking laws and other regulations limit the amount of dividends a bank subsidiary may pay without prior regulatory approval. Additionally, Atlantic Capital’s ability to pay dividends to its shareholders will depend on the ability of the Bank to pay dividends to Atlantic Capital. The Bank is subject to regulatory restrictions on the payment of cash dividends, which generally may be paid only from current earnings. During the first quarter of 2020, the Company completed the $85.0 million stock repurchase program authorized by the Board of Directors on November 14, 2018. On March 4, 2020, the Board of Directors authorized a new stock repurchase program pursuant to which the Company may purchase up to $25 million of its issued and outstanding common stock. The timing and amounts of any repurchases will depend on certain factors, including but not limited to market conditions and prices, available funds and alternative uses of capital. The stock repurchase program may be carried out through open-market purchases, block trades, negotiated private transactions and pursuant to a trading plan that will be adopted in accordance with Rule 10b-18 or Rule 10b5-1 under the Securities Exchange Act of 1934. Any repurchased shares will constitute authorized but unissued shares. During 2020, the Company repurchased 1,643,124 shares totaling $23.5 million, of which 1,338,858 shares totaling $17.7 million were purchased under the new stock buyback program with the remaining shares purchased under the previous program. The Company initially paused repurchases in March 2020 as part of its holding company liquidity planning in response to the COVID-19 pandemic and resumed repurchases in August 2020

Income Taxes

Income Taxes	12 Months Ended
Income Taxes	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income Taxes	NOTE 14 – INCOME TAXES The components of income tax expense from continuing operations included in the Consolidated Statements of Income for the years ended were as follows: For the year ended December 31, (in thousands) 2020 2019 2018 Current income tax expense (benefit): Federal $ 4,276 $ (2,587) $ 3,710 State 650 (183) 371 Total 4,926 (2,770) 4,081 Deferred income tax expense (benefit): Federal (80) 9,646 (1,798) State (233) 735 4,024 Total (313) 10,381 2,226 Total income tax from continuing operations $ 4,613 $ 7,611 $ 6,307 The income tax expense differs from the statutory rate of 21% in 2020, 2019 and 2018, as indicated in the following analysis: For the year ended December 31, (in thousands) 2020 2019 2018 Tax expense (benefit) based on federal statutory rate $ 5,702 $ 7,518 $ 7,215 State taxes, net of federal benefit 341 572 899 Income tax credits (236) (10) (103) Tax-exempt earnings (1,434) (822) (717) Excess benefit 100 4 (142) Nondeductible expenses 65 135 116 Change in uncertain tax positions reserve 111 137 56 Change in valuation allowance (16) (111) (996) Other (20) 188 (21) Total income tax from continuing operations $ 4,613 $ 7,611 $ 6,307 Deferred income tax assets and liabilities result from differences between assets and liabilities measured for financial reporting purposes and for income tax return purposes. These assets and liabilities are measured using the enacted tax rates and laws. The net deferred tax asset is included as a component of other assets at December 31, 2020 and 2019, and is comprised of the following: (in thousands) December 31, 2020 December 31, 2019 Net operating loss carryforward $ 14,637 $ 15,743 Federal tax credits 5,342 5,342 Allowance for loan losses 7,692 4,545 Stock-based compensation 582 729 Other real estate owned 131 206 Transaction costs 72 152 Lease liability 3,613 4,158 Nonaccrual loan interest 418 509 Long term incentive plan — 204 Other 2,697 2,197 Total gross deferred tax assets 35,184 33,785 Less: valuation allowance (6,682) (6,698) Net deferred tax asset 28,502 27,087 Depreciation 2,338 626 Deferred loan costs 493 429 ROU asset - leases 2,408 2,944 Net unrealized gains on investment securities available‑for‑sale 2,220 796 Net unrealized gains on cash flow hedges 2,546 725 Other 141 301 Total gross deferred tax liabilities 10,146 5,821 Net deferred tax assets $ 18,356 $ 21,266 In assessing the realizability of deferred tax assets, management considers whether it is more-likely-than-not that some portion or all of the deferred tax assets will not be realized. A valuation allowance is provided when it is deemed more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the ability to realize the deferred tax assets, management considers the four possible sources of taxable income including future reversals of existing taxable temporary differences, future taxable income, taxable income in prior carryback years and tax-planning strategies that would, if necessary, be implemented. At December 31, 2020 and 2019, the Company had a valuation allowance of $6.7 million. This valuation allowance relates to the portion of net operating losses and credits that the Company will not be able to utilize due to limitations under Section 382 of the Internal Revenue Code. ASC 740-10-65 prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The Company has reviewed and evaluated the relevant technical merits of each of its tax positions in accordance with ASC 740-10-65 and determined there are no uncertain tax positions that would have a material impact on the financial statements of the Company as of December 31, 2020. A reconciliation of the beginning and ending unrecognized tax benefit related to uncertain tax positions is as follows: (in thousands) 2020 2019 Balance at beginning of year $ 452 $ 278 Additions based on tax positions related to the current year 203 174 Decreases due to lapsed statute of limitations (63) — Balance at end of year $ 592 $ 452 The amount of unrecognized tax positions that would have impacted the effective tax rate if recognized was $468,000. With the adoption of ASC 740-10-65, the Company elected to recognize accrued interest and penalties related to any future unrecognized tax benefits in current income tax expense. Interest in the amount of $87,000 and $65,000 was accrued as of December 31, 2020 and 2019, respectively. The total amount of interest and penalties recognized in current income tax expense during 2020, 2019 and 2018 was $23,000, $14,000 and $11,000, respectively. At December 31, 2020, Atlantic Capital had operating loss carryforwards for federal income tax purposes of $45.4 million, which are available to offset future federal taxable income, if any, through 2035. Atlantic Capital had operating loss carryforwards for state income tax purposes of $100 million, which are available to offset future state taxable income, if any, through 2035. Additionally, Atlantic Capital had general business credits of approximately $5.3 million, which are available to reduce future federal income taxes, if any through 2035. The Company’s income tax returns remain subject to examination by both U.S. federal and state jurisdictions for tax years 2017 forward.

Employee and Director Benefit P

Employee and Director Benefit Plans	12 Months Ended
Employee and Director Benefit Plans	Dec. 31, 2020
Employee and Director Benefit Plans
Employee and Director Benefit Plans	NOTE 15 - EMPLOYEE AND DIRECTOR BENEFIT PLANS Defined Contribution Plan Atlantic Capital sponsors a 401(k) qualified retirement plan that is qualified pursuant to Section 401 of the Internal Revenue Code. The plan is referred to as a “safe harbor 401(k) plan.” The plan allows eligible employees to defer a portion of their income by making contributions into the plan on a pre-tax or post-tax basis. The 401(k) plan has an auto enrollment feature starting with a 1% deferral rate for new participants who meet eligibility requirements. The plan also includes an automatic deferral escalation feature that increases each year by 1% up to a maximum of 5%. The plan provides for a safe harbor matching contribution by Atlantic Capital. The Company will make a matching contribution of 100% on participating employee’s deferrals up to 5% of their eligible compensation. Eligible employees are required to participate in the plan in order to receive the safe harbor matching contribution. The plan also provides that the Board of Directors may authorize matching contributions based on a percentage of the amount contributed by the employee and discretionary profit sharing contributions. Employees of the Company must meet certain requirements concerning minimum age and credited period of service to participate in the plan. During the years ended December 31, 2020, 2019, and 2018, the Company contributed approximately $1.1 million, $1.1 million, and $1.1 million, respectively, to this plan under its safe harbor provision. Long-Term Incentive Plan Atlantic Capital maintains a long-term incentive plan for certain key employees. Bonuses under the Executive Officer LTIP may be paid in lump sum in cash or in common stock or in any combination of cash and common stock. Awards are granted under the LTIP for a bonus period, which generally means a period of more than one year. Any shares of common stock earned under the LTIP are issued under and subject to the terms of the Company’s 2015 Stock Incentive Plan, as amended and restated. Awards are based on individual performance, business unit, division, or similar performance or Company-wide performance, or any combination of these performance objectives. Awards granted in 2020, 2019, and 2018 are earned, if at all, at the end of a three year period from the date of the awards. Compensation expense for the LTIP was $476,000, $765,000, and $879,000 for the years ended December 31, 2020, 2019, and 2018, respectively. Beginning in 2018, the LTIP issued performance share awards under the Company’s 2015 Stock Incentive Plan. The awards granted in 2020, 2019 and 2018 are accounted for as equity awards. Stock Incentive Plans Atlantic Capital sponsors a stock incentive plan for the benefit of directors and employees. Under the Company’s 2015 Stock Incentive Plan (as amended and restated effective May 16, 2018) there were approximately 4,525,000 shares reserved for issuance to directors, employees, and independent contractors of Atlantic Capital and its affiliates. The Compensation Committee has the authority to grant the following: an incentive or nonqualified option; an SAR, which includes a related SAR or a freestanding SAR; a restricted award (including a restricted stock award or a restricted stock unit award); a performance award (including a performance share award or a performance unit award); a phantom stock award; an other stock-based award; a cash bonus award; a dividend equivalent award; or any other award granted under the plan. As of December 31, 2020, approximately 2,987,000 additional awards could be granted under the plan. Through December 31, 2020, incentive stock options, nonqualified stock options, restricted stock awards, performance share awards, and other stock-based awards have been granted under the plan. Stock options are granted at a price which is no less than the fair market value of a share of Atlantic Capital common stock on the grant date. Stock options generally vest over three years and expire after ten years. The Company accounts for stock options in accordance with FASB ASC 718, Stock Compensation The Company estimates the fair value of its options awards using the Black-Scholes option pricing model. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant. The table below summarizes the assumptions used to calculate the fair value of options granted/modified during 2019 and 2018. No stock options were granted/modified during the year ended December 31, 2020. For the year ended December 31, 2019 2018 Risk‑free interest rate 2.27 % 1.66 % Expected term in years 1.73-1.82 0.25 Expected stock price volatility 26.8 % 24.2 % Dividend yield — % — % The following table represents stock option activity for the years ended December 31, 2020, 2019, and 2018: Weighted Average Weighted Remaining Aggregate Average Contractual Term Intrinsic Value Shares Exercise Price (in years) (in thousands) Outstanding, December 31, 2019 318,980 $ 11.47 Granted/modified (1) — — Exercised (103,940) 10.48 Forfeited (1) — — Expired (150) 75.91 Outstanding, December 31, 2020 214,890 $ 11.90 1.86 $ 861 Exercisable, December 31, 2020 214,890 $ 11.90 1.86 $ 861 Weighted average fair value of options granted/modified $ — Outstanding, December 31, 2018 442,454 $ 12.02 Granted/modified (2) 12,500 10.00 Exercised (90,330) 12.76 Forfeited (2) (38,500) 13.17 Expired (7,144) 17.79 Outstanding, December 31, 2019 318,980 $ 11.47 2.41 $ 2,203 Exercisable, December 31, 2019 308,980 $ 11.36 2.30 $ 2,170 Weighted average fair value of options granted/modified $ 8.07 Outstanding, December 31, 2017 757,711 $ 12.66 Granted/modified (3) 15,000 14.64 Exercised (310,016) 13.21 Forfeited (3) (19,935) 14.08 Expired (306) 105.97 Outstanding, December 31, 2018 442,454 $ 12.02 3.98 $ 1,990 Exercisable, December 31, 2018 396,454 $ 11.67 3.63 $ 1,919 Weighted average fair value of options granted/modified $ 2.79 (1) The Company did not grant/modify any options during the year ended December 31, 2020. (2) During the year ended December 31, 2019, the Company modified options for 12,500 shares. The modifications are included as shares granted/modified and as shares forfeited in this table. (3) During the year ended December 31, 2018, the Company modified options for 15,000 shares. The modifications are included as shares granted/modified and as shares forfeited in this table The total fair value of shares vested during each of the years ended December 31, 2020, 2019, and 2018, was $70,500, $208,000, and $307,000, respectively. In 2020 and 2019, the Company granted performance share awards under Atlantic Capital’s 2015 Stock Incentive Plan to members of executive management to evidence awards granted under the LTIP. The Company also granted restricted stock awards to certain employees in 2020 and 2019 under the 2015 Stock Incentive Plan. Compensation expense for restricted stock is based on the fair value of restricted stock awards at the time of grant, which is equal to the value of Atlantic Capital’s common stock on the date of grant. Compensation expense for performance share awards are based on the fair value of Atlantic Capital’s stock at the grant date adjusted for market conditions, as well as the subsequent achievement of performance conditions over the vesting period. The value of restricted stock awards and performance share awards that are expected to vest is amortized into expense over the vesting period. Restricted stock awards may cliff vest over 1-3 years or vest on a pro-rata basis, generally over 3 years. The market value at the date of award is amortized by charges to compensation expense over the vesting period. Compensation expense related to restricted stock during 2020, 2019 and 2018 was $1.8 million, $1.3 million, and $1.5 million, respectively. Unrecognized compensation expense associated with restricted stock was $3.2 million, $2.2 million, and $2.5 million as of December 31, 2020, 2019, and 2018, respectively. At December 31, 2020, 2019, and 2018, the weighted average period over which this unrecognized expense is to be recognized was 2.1 years, 2.1 years, and 2.4 years, respectively. During 2020, 2019, and 2018, respectively, there were 278,855, 158,593, and 139,507 restricted stock and performance share awards granted at a weighted average grant price of $14.67, $19.19, and $19.79. per share. The Company did not modify any options during the year ended December 31, 2020. During the year ended December 31, 2019, the Company modified options for 12,500 shares and 4,719 restricted stock awards to two individuals. During the year ended December 31, 2018, the Company modified options for 15,000 shares and 6,869 restricted stock awards to two individuals. The modifications allowed for the immediate vesting of the awards upon termination of service. The total incremental cost resulting from the modifications was approximately $31,000 and $111,000 for the years ended December 31, 2019 and 2018, respectively. The following table represents restricted stock and performance share award activity for the years ended December 31, 2020, 2019, and 2018: Weighted Average Grant- Shares Date Fair Value Outstanding, December 31, 2019 292,877 $ 19.00 Granted/modified 278,855 14.67 Vested (118,340) 17.38 Forfeited (17,644) 15.82 Outstanding, December 31, 2020 435,748 $ 16.80 Outstanding, December 31, 2018 272,695 $ 18.09 Granted/modified (1) 158,593 19.19 Vested (70,748) 16.51 Forfeited (1) (67,663) 18.34 Outstanding, December 31, 2019 292,877 $ 19.00 Outstanding, December 31, 2017 239,468 $ 15.69 Granted/modified (1) 139,507 19.79 Vested (73,686) 14.51 Forfeited (1) (32,594) 15.91 Outstanding, December 31, 2018 272,695 $ 18.09 (1) During the years ended December 31, 2019 and 2018, the Company modified 4,719 and 6,869 restricted stock awards, respectively. The modifications are included as shares granted/modified and as shares forfeited in the table above.

Derivatives and Hedging

Derivatives and Hedging	12 Months Ended
Derivatives and Hedging	Dec. 31, 2020
Derivatives and Hedging
Derivatives and Hedging	NOTE 16 – DERIVATIVES AND HEDGING Risk Management Atlantic Capital’s objectives in using interest rate derivatives are to add stability to net interest revenue and to manage its exposure to interest rate movements. To accomplish this objective, Atlantic Capital primarily uses interest rate swaps as part of its interest rate risk management strategy. Cash Flow Hedges At December 31, 2020, Atlantic Capital’s interest rate swaps designated as cash flow hedges involve the payment of floating-rate amounts to a counterparty in exchange for receiving fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. At December 31, 2020 and 2019, Atlantic Capital had interest rate swaps designated as cash flow hedges with aggregate notional amounts of $125.0 million and $175.0 million, respectively. Changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in accumulated other comprehensive income and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. Atlantic Capital expects that approximately $1.7 million will be reclassified as a decrease to loan interest income over the next twelve months related to these cash flow hedges. Customer Swaps Atlantic Capital also enters into derivative contracts, which consist of interest rate swaps, to facilitate the needs of clients desiring to manage interest rate risk. These swaps are not designated as accounting hedges under ASC 815, Derivatives and Hedging Atlantic Capital’s derivative instruments are recorded at fair value in other assets and accrued interest receivable and other liabilities and accrued interest payable in the Consolidated Balance Sheets. The changes in the fair value of the derivative instruments are recognized in derivatives income in the Consolidated Statements of Income and in net increase/decrease in other assets and accrued expenses and other liabilities in the Consolidated Statements of Cash Flows. At December 31, 2020 and 2019, Atlantic Capital had interest rate swaps related to this program with an aggregate notional amount of $68.4 million and $89.5 million, respectively. Atlantic Capital acquired a loan level hedging program, which First Security utilized to accommodate clients preferring a fixed rate loan. The loan documents include an addendum with a zero premium collar. The zero premium collar is a cap and a floor at the same interest rate, resulting in a fixed rate to the borrower. To hedge this embedded option, First Security entered into a dealer facing trade exactly mirroring the terms in the loan addendum. At December 31, 2020 and 2019, Atlantic Capital had interest rate swaps related to this program with an aggregate notional amount of $137.1 million and $149.1 million, respectively. Counterparty Credit Risk As a result of its derivative contracts, Atlantic Capital is exposed to credit risk. Specifically approved counterparties and exposure limits are defined. Quarterly, the customer derivative contracts and related counterparties are evaluated for credit risk and an adjustment is made to the contract’s fair value. This adjustment is recognized in the Consolidated Statements of Income. In accordance with the interest rate agreements with derivatives dealers, Atlantic Capital may be required to post margin to these counterparties. At December 31, 2020 and 2019, Atlantic Capital had minimum collateral posting thresholds with certain of its derivative counterparties and posted collateral of $11.8 million and $13.6 million, respectively, against its obligations under these agreements. Cash collateral related to derivative contracts is recorded in other assets in the Consolidated Balance Sheets. Atlantic Capital has master netting agreements with the derivatives dealers with which it does business, but reflects gross assets and liabilities on the Consolidated Balance Sheets. In conjunction with the FASB’s fair value measurement guidance, management made an accounting policy election to measure the credit risk of its derivative financial instruments that are subject to master netting arrangements on a net basis. To accommodate clients, Atlantic Capital occasionally enters into credit risk participation agreements with counterparty banks to accept a portion of the credit risk related to interest rate swaps. This allows clients to execute an interest rate swap with one bank while allowing for distribution of the credit risk among participating members. Credit risk participation agreements arise when Atlantic Capital contracts with other financial institutions, as a guarantor, to share credit risk associated with certain interest rate swaps. These agreements provide for reimbursement of losses resulting from a third party default on the underlying swap. At December 31, 2020 and 2019, Atlantic Capital had credit risk participation agreements with a notional amount of $5.8 million and $7.7 million, respectively. The following table reflects the estimated fair value positions of derivative contracts and credit risk participation agreements as of December 31, 2020 and 2019: Derivatives designated as hedging instruments under ASC 815 December 31, 2020 December 31, 2019 (in thousands) Balance Sheet Notional Notional Interest Rate Products Location Amount Fair Value Amount Fair Value Cash flow hedge of LIBOR based loans Other assets $ 125,000 $ 10,799 $ 125,000 $ 3,578 Cash flow hedge of LIBOR based loans Other liabilities $ — $ — $ 50,000 $ 8 Derivatives not designated as hedging instruments under ASC 815 December 31, 2020 December 31, 2019 (in thousands) Balance Sheet Notional Notional Interest Rate Products Location Amount Fair Value Amount Fair Value Customer swap positions Other assets $ 34,224 $ 2,057 $ 44,763 $ 1,025 Zero premium collar Other assets 68,527 9,328 74,562 4,253 $ 102,751 $ 11,385 $ 119,325 $ 5,278 Dealer offsets to customer swap positions Other liabilities $ 34,224 $ 2,087 $ 44,763 $ 1,090 Dealer offset to zero premium collar Other liabilities 68,527 9,398 74,562 4,545 Credit risk participation Other liabilities 5,782 11 7,657 4 $ 108,533 $ 11,496 $ 126,982 $ 5,639 The following table presents the effect of the Company’s derivative financial instruments that are not designated as hedging instruments on the Consolidated Statements of Income for the years ended December 31, 2020 and 2019: Derivatives not designated as hedging instruments under ASC 815 Location of Gain or Amount of Gain or (Loss) (Loss) Recognized in Recognized in Income on Derivative (in thousands) Income on Derivative Year Ended December 31, 2020 2019 Interest rate products Other income $ 264 $ (321) Other contracts Other income (7) (1) Total $ 257 $ (322) The following table reflects the impact to the Consolidated Statements of Income related to derivative contracts for the years ended December 31, 2020 and 2019: Derivatives in Cash Flow Hedging Relationships Amount of Gain or (Loss) Recognized in OCI on Derivatives Gain or (Loss) Reclassified from Accumulated OCI in Income (Effective Portion) (Effective Portion) (in thousands) 2020 2019 Location 2020 2019 Interest rate swaps $ 7,325 $ 4,487 Interest income $ (1,892) $ (356)

Regulatory Matters

Regulatory Matters	12 Months Ended
Regulatory Matters	Dec. 31, 2020
Regulatory Matters
Regulatory Matters	NOTE 17 – REGULATORY MATTERS The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s and the Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Under Basel III, total capital consists of two tiers of capital, Tier 1 and Tier 2. Tier 1 capital is further composed of Common Equity Tier 1 Capital and additional Tier 1 capital. CET1 Capital primarily includes qualifying common shareholders’ equity, retained earnings, accumulated other comprehensive income and certain minority interests. Goodwill, disallowed intangible assets and certain disallowed deferred tax assets are excluded from CET1 Capital. Additional Tier 1 capital primarily includes qualifying non-cumulative preferred stock, trust preferred securities subject to phase-out and certain minority interests. Certain deferred tax assets are also excluded. Tier 2 capital primarily consists of qualifying subordinated debt, a limited portion of the allowance for loan and lease losses, trust preferred securities subject to phase-out and reserves for unfunded lending commitments. The Company’s total capital is the sum of Tier 1 capital plus Tier 2 capital. To meet adequately capitalized regulatory requirements, an institution must maintain a CET1 Capital of 4.5%, a Tier 1 capital ratio of 6.0%, and a Total capital ratio of 8.0%. A “well-capitalized” institution must generally maintain capital ratios 200 basis points higher than the minimum guidelines. The risk-based capital rules have been further supplemented by a Tier 1 leverage ratio, defined as Tier 1 capital divided by quarterly average total assets, after certain adjustments. The Bank must maintain a Tier 1 leverage ratio of at least 5.0% to be classified as “well capitalized.” Failure to meet the capital requirements established by the joint agencies can lead to certain mandatory and discretionary actions by regulators that could have a material adverse effect on the Company’s consolidated financial statements. The Basel III rules also introduced a capital conservation buffer which is fully phased in and is 2.5% of risk-weighted assets for 2019 and thereafter. Failure to maintain the required capital conservation buffer will result in limitations on capital distributions and on discretionary bonuses to executive officers. The Basel III rules were implemented in the first quarter of 2015. Under the final rule, certain banking organizations, including the Company, are permitted to make a one-time election to continue the current treatment of excluding from regulatory capital most AOCI components, including amounts relating to unrealized gains and losses on available-for-sale debt securities and amounts attributable to defined benefit post-retirement plans.The Company opted out of the AOCI treatment under these requirements and, as such, unrealized security gains and losses will continue to be excluded from bank regulatory capital. As of December 31, 2020 and 2019, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action. Management believes there are no conditions or events since the previous notification that have changed the institution’s categorizations. The Company’s and the Bank’s actual capital amounts and ratios are presented in the table below: As of December 31, 2020 To be Well Capitalized Under For Capital Adequacy Prompt Corrective Action Actual Purposes Provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 capital (to risk weighted assets): Consolidated $ 292,890 11.9 % $ 111,158 4.5 % N/A N/A Bank 349,779 14.2 % 111,227 4.5 % 160,661 6.5 % Tier 1 capital (to risk weighted assets): Consolidated $ 292,890 11.9 % $ 148,211 6.0 % N/A N/A Bank 349,779 14.2 % 148,302 6.0 % 197,736 8.0 % Total capital (to risk weighted assets): Consolidated $ 397,719 16.1 % $ 197,615 8.0 % N/A N/A Bank 380,725 15.4 % 197,736 8.0 % 247,170 10.0 % Tier 1 capital (to average assets): Consolidated $ 292,890 8.9 % $ 131,901 4.0 % N/A N/A Bank 349,779 10.6 % 131,536 4.0 % 164,420 5.0 % As of December 31, 2019 To be Well Capitalized For Capital Adequacy Under Prompt Corrective Actual Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 capital (to risk weighted assets): Consolidated $ 285,456 12.0 % $ 106,740 4.5 % N/A N/A Bank 327,426 13.8 % 106,698 4.5 % 154,119 6.5 % Tier 1 capital (to risk weighted assets): Consolidated $ 285,456 12.0 % $ 142,320 6.0 % N/A N/A Bank 327,426 13.8 % 142,264 6.0 % 189,685 8.0 % Total capital (to risk weighted assets): Consolidated $ 354,757 15.0 % $ 189,760 8.0 % N/A N/A Bank 346,854 14.6 % 189,685 8.0 % 237,107 10.0 % Tier 1 capital (to average assets): Consolidated $ 285,456 11.0 % $ 103,596 4.0 % N/A N/A Bank 327,426 12.7 % 103,425 4.0 % 129,281 5.0 %

Fair Value Measurements

Fair Value Measurements	12 Months Ended
Fair Value Measurements	Dec. 31, 2020
Fair Value Measurements
Fair Value Measurements	NOTE 18 – FAIR VALUE MEASUREMENTS Atlantic Capital follows the guidance pursuant to ASC No. 820-10, Fair Value Measurements and Disclosures The guidance emphasizes that fair value is a market-based measurement, not an entity-specific measurement and defines fair value as the price that could be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. As a basis for considering market participant assumptions in fair value measurements, this guidance establishes a fair value hierarchy that distinguishes between market participant assumptions based on market data obtained from sources independent of the reporting entity (observable inputs that are classified within Levels 1 and 2 of the hierarchy) and the reporting entity’s own assumptions about market participant assumptions (unobservable inputs classified within Level 3 of the hierarchy). Atlantic Capital applied the following fair value hierarchy: Level 1 – Assets or liabilities for which the identical item is traded on an active exchange, such as publicly-traded instruments or futures contracts. Level 2 – Assets or liabilities valued based on observable market data for similar instruments. Level 3 – Assets or liabilities for which significant valuation assumptions are not readily observable in the market, instruments valued based on the best available data, some of which is internally-developed, and risk premiums that a market participant would require. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement. There were no transfers between Level 1 and Level 2 or Level 2 and Level 3 during 2020 or 2019. Atlantic Capital records investment securities available-for-sale at fair value on a recurring basis. Investment securities classified as available-for-sale are reported at fair value utilizing Level 2 inputs. For these securities, Atlantic Capital obtains fair value measurements from an independent pricing service. In estimating the fair values for investment securities, Atlantic Capital believes that independent third-party market prices are the best evidence of an exit price. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the Treasury Department yield curve, trade execution data, market consensus prepayment speeds, credit information and the securities’ terms and conditions, among other things. Derivative instruments are primarily transacted as over-the-counter trades and priced with observable market assumptions. Ongoing measurements include observable market assumptions with appropriate valuation adjustments for liquidity and for credit risk of counterparties. For these instruments, Atlantic Capital obtains fair value measurements from an independent pricing service. The fair value measurements consider factors such as the prevailing level of interest rates, total exposure and remaining maturities in determining the appropriate fair value adjustments to record. Generally, the expected loss of each client counterparty is estimated using Atlantic Capital’s internal risk rating system. For financial institution counterparties that are rated by national rating agencies, those ratings are used in determining the credit risk. This approach used to estimate exposures to counterparties is also used by Atlantic Capital to estimate its own credit risk on derivative liability positions. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables present assets and liabilities that were measured at fair value on a recurring basis by level within the fair value hierarchy as reported in the Consolidated Balance Sheets at December 31, 2020 and 2019. Fair Value Measurements at December 31, 2020 Using: Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Securities Inputs Inputs (Level 1) (Level 2) (Level 3) Total (in thousands) Securities available-for-sale: U.S. states and political subdivisions $ — $ 81,019 $ — $ 81,019 Trust preferred securities — 4,722 — 4,722 Corporate debt securities — 19,821 — 19,821 Residential mortgage-backed securities — 194,598 — 194,598 Commercial mortgage-backed securities — 35,263 — 35,263 Total securities available-for-sale $ — $ 335,423 $ — $ 335,423 Interest rate derivative assets $ — $ 22,184 $ — $ 22,184 Interest rate derivative liabilities $ — $ 11,496 $ — $ 11,496 Fair Value Measurements at December 31, 2019 Using: Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Securities Inputs Inputs (Level 1) (Level 2) (Level 3) Totals (in thousands) Securities available-for-sale: U.S. states and political subdivisions $ — $ 82,485 $ — $ 82,485 Trust preferred securities — 4,688 — 4,688 Corporate debt securities — 19,920 — 19,920 Mortgage-backed securities — 175,368 — 175,368 Total securities available-for-sale $ — $ 282,461 $ — $ 282,461 Interest rate derivative assets $ — $ 8,856 $ — $ 8,856 Interest rate derivative liabilities $ — $ 5,647 $ — $ 5,647 For Level 3 securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators. Atlantic Capital had no Level 3 securities as of December 31, 2020 and 2019. For the years ended December 31, 2020 and 2019, there was no change in the methods and significant assumptions used to estimate fair value. Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis The following table presents the assets that were measured at fair value on a nonrecurring basis by level within the fair value hierarchy as reported in the Consolidated Balance Sheets at December 31, 2020 and December 31, 2019 . Level 1 Level 2 Level 3 Fair Value Fair Value Fair Value December 31, 2020 Measurement Measurement Measurement Total (in thousands) Impaired Loans $ — $ — $ 2,844 $ 2,844 Level 1 Level 2 Level 3 Fair Value Fair Value Fair Value December 31, 2019 Measurement Measurement Measurement Total (in thousands) Impaired Loans $ — $ — $ 4,288 $ 4,288 Level 3 loans consist of impaired loans which have been partially charged-off or have specific valuation allowances based on collateral value. The fair value of Level 3 assets is estimated based on the underlying collateral value. For loans which the cash proceeds from the sale of the underlying collateral is the expected source of repayment, the fair value of these loans was derived from internal estimates of the underlying collateral incorporating market data, including third party appraisals or evaluations, when available. Appraised values may be discounted based on management’s assessment of the level of inactivity in the real estate market and other markets for the underlying collateral, changes in market conditions from the time of the valuation, and other information that in management’s judgment may affect the value. Impaired loans are evaluated on at least a quarterly basis and adjusted accordingly. Assets and Liabilities Not Measured at Fair Value For financial instruments that have quoted market prices, those quotes are used to determine fair value. Financial instruments that have no defined maturity, have a remaining maturity of 180 days or less, or reprice frequently to a market rate, are assumed to have a fair value that approximates the reported book value, after taking into consideration any applicable credit risk. If no market quotes are available, financial instruments are valued by discounting the expected cash flows using an estimated current market interest rate for the financial instrument. For loans held for investment, fair value is measured using the exit price notion. For off-balance sheet derivative instruments, fair value is estimated as the amount that Atlantic Capital would receive or pay to terminate the contracts at the reporting date, taking into account the current unrealized gains or losses on open contracts. The short maturity of Atlantic Capital’s assets and liabilities results in having a significant number of financial instruments whose fair value equals or closely approximates carrying value. Such financial instruments are reported in the following balance sheet captions: cash and due from banks, interest-bearing deposits in other banks, other short-term investments, FRB stock and FHLB stock. The fair value of securities equals quoted market prices, if available. If a quoted market price is not available, fair value is estimated used quoted market prices for similar securities or dealer quotes. Due to the short-term settlement of accrued interest receivable and payable, the carrying amount closely approximates fair value. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect the premium or discount on any particular financial instrument that could result from the sale of Atlantic Capital’s entire holdings. Because no ready market exists for a significant portion of Atlantic Capital’s financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature, involve uncertainties and matters of significant judgment, and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Off-balance sheet financial instruments (commitments to extend credit and standby letters of credit) are generally short-term and at variable rates. Therefore, both the carrying amount and the estimated fair value associated with these instruments are immaterial. The following tables present the estimated fair values of Atlantic Capital’s financial instruments at December 31, 2020 and December 31, 2019. Fair Value Measurements at December 31, 2020 Using: Quoted Prices in Active Significant markets for Other Significant Identical Observable Unobservable Carrying Securities Inputs Inputs Amount (Level 1) (Level 2) (Level 3) (in thousands) Financial assets: Cash and due from banks $ 16,865 $ 16,865 $ — $ — Interest-bearing deposits in banks 636,537 636,537 — — Total securities available-for-sale 335,423 — 335,423 — Total securities held-to-maturity 200,156 — 214,584 — FHLB stock 2,619 — — 2,619 FRB stock 10,080 — — 10,080 Loans held for investment, net 2,249,036 — — 2,285,222 Derivative assets 22,184 — 22,184 — Financial liabilities: Deposits $ 3,161,508 $ — $ 3,120,246 $ — Subordinated debt 73,807 — 77,814 — Derivative financial instruments 11,496 — 11,496 — Fair Value Measurements at December 31, 2019 Using: Quoted Prices in Active Significant markets for Other Significant Identical Observable Unobservable Carrying Securities Inputs Inputs Amount (Level 1) (Level 2) (Level 3) (in thousands) Financial assets: Cash and due from banks $ 45,249 $ 45,249 $ — $ — Interest-bearing deposits in banks 421,079 421,079 — — Total securities available-for-sale 282,461 — 282,461 — Total securities held-to-maturity 116,972 — 115,291 — FHLB stock 2,680 — — 2,680 FRB stock 9,998 — — 9,998 Loans held for investment, net 1,873,524 — — 1,890,258 Loans held for sale 370 — 370 — Derivative assets 8,856 — 8,856 — Financial liabilities: Deposits $ 2,499,046 $ — $ 2,421,957 $ — Subordinated debt 49,873 — 50,081 — Derivative financial instruments 5,647 — 5,647 —

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
Commitments and Contingencies	Dec. 31, 2020
Commitments and Contingencies
Commitments and Contingencies	NOTE 19 – COMMITMENTS AND CONTINGENCIES Atlantic Capital is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit, most of which are standby letters of credit. These instruments involve, to varying degrees, elements of credit risk in excess of the amounts recognized in the Consolidated Balance Sheets. The contract amounts of these instruments reflect the extent of involvement Atlantic Capital has in particular classes of financial instruments. Standby letters of credit are written conditional commitments issued by Atlantic Capital to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. Most letters of credit expire in less than one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Atlantic Capital’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. Atlantic Capital uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Atlantic Capital’s maximum exposure to credit risk for unfunded loan commitments and standby letters of credit as well as a summary of minimum lease payments at December 31, 2020 and December 31, 2019 were as follows: December 31, 2020 December 31, 2019 (in thousands) Financial Instruments whose contract amount represents credit risk: Commitments to extend credit $ 813,757 $ 735,905 Standby letters of credit 16,141 8,053 $ 829,898 $ 743,958 Minimum lease payments $ 17,994 $ 20,055 The Company also had commitments related to investment in SBICs totaling $2.0 million and $2.4 million at December 31, 2020 and 2019, respectively. In addition, Atlantic Capital had private equity commitments totaling $1.5 million at December 31, 2020. Atlantic Capital had no private equity commitments at December 31, 2019. From time to time, Atlantic Capital, in the normal course of business, is subject to various pending and threatened lawsuits in which claims for monetary damages are asserted. Although it is not possible to predict the outcome of these lawsuits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on Atlantic Capital’s financial position or results of operations.

Revenue Recognition

Revenue Recognition	12 Months Ended
Revenue Recognition	Dec. 31, 2020
Revenue Recognition
Revenue Recognition	NOTE 20 – REVENUE RECOGNITION Service Charges on Deposit Accounts Service charges represent general service fees for monthly account maintenance and activity, or transaction-based fees and consist of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when the performance obligation is completed which is generally monthly for account maintenance services or when a transaction has been completed, such as a wire transfer or ATM withdrawal. Payment for such performance obligations are generally received at the time the performance obligations are satisfied. The following table presents service charges by type of service provided for the years ended December 31, 2020, 2019, and 2018: Year Ended December 31, 2020 2019 2018 (in thousands) Deposit account analysis fees and charges $ 4,214 $ 2,630 $ 2,166 ATM fees 80 58 223 NSF fees 37 57 97 Wire fees 188 483 426 Foreign exchange fees 347 352 288 Other 5 7 15 Total service charges - continuing operations 4,871 3,587 3,215 Service charges - discontinued operations — 527 1,922 Total service charges $ 4,871 $ 4,114 $ 5,137 Trust and Asset Management Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to customers’ accounts. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. During the second quarter of 2018, Atlantic Capital sold its trust business. The following table presents trust income by type of service provided for the year ended December 31, 2018: Year Ended December 31, 2018 Personal trust and agency accounts $ 615 Employee benefit and retirement-related trust and agency accounts 120 Investment management and investment advisory agency accounts 216 Custody and safekeeping accounts 26 Other 48 $ 1,025 Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of December 31, 2020 and 2019, the Company did not have any significant contract balances.

Atlantic Capital Bancshares, In

Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information	12 Months Ended
	Dec. 31, 2020
Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information
Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information	NOTE 21 – ATLANTIC CAPITAL BANCSHARES, INC. (PARENT COMPANY ONLY) FINANCIAL INFORMATION Balance Sheets (in thousands) December 31, 2020 2019 Assets Cash $ 17,695 $ 7,752 Investment in subsidiary 395,475 368,465 Other assets 735 938 Total assets $ 413,905 $ 377,155 Liabilities and shareholders’ equity Long-term debt $ 73,807 $ 49,873 Other liabilities 1,512 787 Total liabilities 75,319 50,660 Shareholders’ equity: Common stock 209,942 230,265 Retained earnings 114,137 91,669 Accumulated other comprehensive income 14,507 4,561 Total shareholders’ equity 338,586 326,495 Total liabilities and shareholders’ equity $ 413,905 $ 377,155 Statements of Income (in thousands) Year Ended December 31, 2020 2019 2018 Income: Dividends from bank $ 12,500 $ 45,500 $ 30,000 Interest income — — 381 Total income 12,500 45,500 30,381 Expense: Interest on long-term debt 4,108 3,294 3,304 Other expense 1,190 1,231 1,134 Total expense 5,298 4,525 4,438 Income before income tax expense and equity in undistributed earnings from subsidiary 7,202 40,975 25,943 Income tax benefit (1,372) (1,217) (1,091) Income before equity in undistributed earnings of subsidiary 8,574 42,192 27,034 Equity in undistributed earnings of subsidiary 13,966 7,663 1,498 Net income $ 22,540 $ 49,855 $ 28,532 Statements of Cash Flows (in thousands) Year Ended December 31, 2020 2019 2018 Operating activities Net income $ 22,540 $ 49,855 $ 28,532 Adjustments to reconcile net income to net cash (used in) operating activities: Equity in undistributed earnings of subsidiary (26,466) (53,163) (31,498) Decrease (increase) in other assets (1,635) (1,521) (705) (Decrease) increase in other liabilities 725 173 169 Net cash (used in) operating activities (4,836) (4,656) (3,502) Investing activities Net cash (used in) provided by investing activities — — — Financing activities Issuance of subordinated debt 75,000 — — Repayment of subordinated debt (50,000) — — Proceeds from exercise of stock options 815 1,154 4,096 Cash dividends received 12,500 45,500 30,000 Repurchase of common stock (23,536) (64,814) (14,177) Net cash provided by (used in) financing activities 14,779 (18,160) 19,919 Net (decrease) increase in cash and cash equivalents 9,943 (22,816) 16,417 Cash equivalents, beginning of year 7,752 30,568 14,151 Cash equivalents, end of year $ 17,695 $ 7,752 $ 30,568

ACCOUNTING POLICIES AND BASIS_2

ACCOUNTING POLICIES AND BASIS OF PRESENTATION (Policies)	12 Months Ended
ACCOUNTING POLICIES AND BASIS OF PRESENTATION (Policies)	Dec. 31, 2020
Accounting Standards Updates and Recently Adopted Standards
Basis of Presentation	Basis of Presentation The accounting and financial reporting policies of Atlantic Capital Bancshares, Inc. (“Atlantic Capital”) and its subsidiary conform to GAAP and general banking industry practices. All material intercompany balances and transactions have been eliminated. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. Certain prior period amounts have been reclassified to conform to the current year presentation.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks, commercial paper, federal funds sold and reverse repurchase agreements. Generally, cash and cash equivalents have maturities of three months or less and, accordingly, the carrying amount of these instruments is deemed to be a reasonable estimate of fair value. Reverse repurchase agreements are not subject to netting and offset with repurchase agreements.
Investment Securities	Investment Securities Investment securities designated as available-for-sale are stated at fair value. Investment securities available-for-sale include securities that may be sold in response to changes in interest rates, changes in prepayment risk, liquidity needs, or for other purposes. Held-to-maturity securities are recorded at cost, adjusted for the amortization or accretion of premiums or discounts. Interest income and dividends on securities are recognized in interest income on an accrual basis. Premiums and discounts on debt securities are amortized or accreted over the life of the related security as an adjustment of the yield. Realized gains and losses are included in earnings and the cost of securities sold is derived using the specific identification method. Unrealized gains and losses, net of the related tax effect, on securities available-for-sale are excluded from earnings and are reported as a separate component of shareholders’ equity. Management measures expected credit losses on held-to-maturity securities by individual security. Accrued interest receivable on held-to-maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers credit ratings and historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. For available-for-sale securities in an unrealized loss position, management first assesses whether it intends to sell, or is more likely than not be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available-for-sale that do not meet the aforementioned criteria, Atlantic Capital evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in OCI. Changes in the allowance for credit losses are recorded as a provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on available-for-sale debt securities is not included in the estimate of credit losses.
Federal Home Loan Bank Stock/Federal Reserve Bank Stock	Federal Home Loan Bank Stock/Federal Reserve Bank Stock The Company holds FHLB and FRB stock. The Company accounts for the stock based on the industry guidance in Accounting Standard Codification 325-942, Investments - Other
Discontinued Operations	Discontinued Operations Portions of the Company that were disposed of by sale, and that represented a strategic shift that had a major effect on operations and financial results, were accounted for as discontinued operations. Additional information on discontinued operations can be found in Note 3 - Divestitures and Discontinued Operations.
Loans Held for Investment	Loans Held for Investment Loans are stated at the amount of unpaid principal, net of the allowance for loan losses, deferred income (net of deferred costs) and other unearned income. Interest income on loans is recognized using the effective yield method on the daily balances of the principal amount outstanding. Loan origination fees, net of direct loan origination costs, commitment fees, premiums and discounts are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable. Loans are considered to be past due when payment is not received from the borrower by the contractually specified due date. Interest accruals on loans are discontinued when interest or principal has been in default 90 days or more, unless the loan is secured by collateral that is sufficient to repay the debt in full and the loan is in the process of collection. When a loan is placed on nonaccrual status, interest accrued and not paid in the current accounting period is reversed against current period income. Interest accrued and not paid in prior periods, if significant, is reversed against the allowance for loan losses. Income on such loans is subsequently recognized on a cash basis as long as the future collection of principal is deemed probable or after all principal payments are received. Commercial loans are placed back on accrual status after sustained performance of timely and current principal and interest payments and it is probable that all remaining amounts due, both principal and interest, are fully collectible according to the terms of the loan agreement. Residential loans and consumer loans are generally placed back on accrual status when they are no longer past due. The Company evaluates loans in accordance with the provisions within FASB ASC 310-40, Troubled Debt Restructurings by Creditors Section 4013 “Temporary Relief From Troubled Debt Restructurings,” of the Coronavirus Aid, Relief, and Economic Security Act, passed by Congress and signed into law on March 27, 2020, allowed financial institutions the option to temporarily suspend certain requirements under GAAP related to TDRs for a limited period of time during the COVID-19 pandemic. On April 7, 2020, the Federal Financial Institutions Examination Council provided additional guidance in its Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised). This guidance received concurrence from the FASB and clarified that loan modifications made under the following criteria are generally not considered TDRs if: ● the modification is in response to the national emergency; ● payments at the time the modification program is implemented; and ● the modification is short-term (e.g., six months). The 2021 Consolidated Appropriations Act extended the TDR relief outlined in Section 4013 of the Cares Act to the earlier of 60 days after the national emergency termination date or January 1, 2022. During the year ended December 31, 2015, the Company acquired loans through a business combination. Certain loans showed evidence of credit deterioration. Following the Branch Sale in 2019, we no longer had any of these purchased loans with evidence of credit deterioration. A majority of the acquired loans did not show signs of credit deterioration and were accounted for under ASC 310-20. As such, the difference between the fair value and the unpaid principal balance of loans at acquisition is accreted into interest income over the life of the loan. In the third quarter of 2012, the Bank entered into a sub-participation agreement with a commercial bank (the participating bank), whereby pursuant to the sub-participation agreement, the Bank purchases participation interests in single-family mortgage loans from the participating bank that has purchased ownership interests from unaffiliated mortgage originators that seek funding to facilitate the origination of single-family residential mortgage loans for sale in the secondary market. The originators underwrite and close mortgage loans consistent with established standards of approved investors and, once the sales close, the originators and the participating bank deliver the loans to the investors. Typically, the participating bank purchases up to an aggregate of a 99% ownership interest with the originators retaining the remaining 1% interest. The Bank typically purchases a 40% or less interest in the mortgage warehouse loans from the participating bank. These loans are held for short periods, usually less than 30 days. These mortgage warehouse loans are classified as held for investment as of December 31, 2019. There were no mortgage warehouse loans outstanding as of December 31, 2020.
Loans Held for Sale	Loans Held for Sale The Company had loans held-for-sale related to branch divestitures and also, at times, will have loans held for sale in connection with the SBA department. Loans held-for-sale are carried at lower of cost or market on an individual loan basis. Held-for-investment loans that have been transferred to held-for-sale are carried at lower of cost or fair value. Fair value is determined from observable current market prices. The credit component of any charge-off upon transfer to held-for-sale is reflected in the allowance for loan losses.
Allowance for Loan Losses	Allowance for Loan Losses Adoption of New Accounting Standard On January 1, 2020, the Company adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet credit exposures. Results for reporting periods beginning after January 1, 2020 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a decrease to retained earnings of $72,000, net of tax, as of January 1, 2020 for the cumulative effect of adopting ASC 326. The transition adjustment includes a $1.3 million increase related to the allowance for credit losses on unfunded commitments mostly offset by an $854,000 decrease related to the allowance for credit losses on loans as well as a $20,000 increase related to held-to-maturity securities. The Company finalized the adoption as of January 1, 2020 as detailed in the following table January 1, 2020 As Reported Impact of Pre-ASC 326 Under ASC 326 (in thousands) Adoption ASC 326 Adoption (1) Assets: Allowance for credit losses on debt securities held-to-maturity U.S. states and political divisions - tax-exempt $ - $ 13 $ 13 U.S. states and political divisions - taxable - 7 7 Total allowance for credit losses on debt securities held-to-maturity - 20 20 Allowance for credit losses on loans Loans Commercial and industrial 9,015 8,578 (437) Commercial real estate 7,504 6,868 (636) Construction and land 1,685 1,819 134 Residential mortgages 81 108 27 Home equity 63 121 58 Consumer 42 101 59 Other 145 78 (67) Mortgage warehouse - 8 8 Total allowance for credit losses on loans 18,535 17,681 (854) Liabilities: Allowance for credit losses on unfunded commitments 892 2,167 1,275 Total allowance for credit losses $ 19,427 $ 19,868 $ 441 (1) he adoption of CECL resulted in a reduction of retained earnings totaling $72,000 , net of tax. Allowance for Credit Losses on Loans The allowance for credit losses on loans is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectibility of a loan balance is confirmed and recoveries are credited to the allowance when received. The Company may also account for expected recoveries should information of an anticipated recovery become available. In the case of actual or expected recoveries, amounts may not exceed the aggregate of amounts previously charged off. Management utilizes relevant available information, from internal and external sources, relating to past events, current conditions, historical loss experience, and reasonable and supportable forecasts. The lookback period in the analysis includes historical data from June 2015 to present. Adjustments to historical loss information are made when management determines historical data are not likely reflective of the current portfolio such as limited data sets or lack of default or loss history. Management may selectively apply external market data to subjectively adjust the Company’s own loss history including index or peer data. Accrued interest receivable was excluded from the estimate of credit losses for loans except for accrued interest receivable on loans with deferrals. Collective Assessment The allowance for credit losses on loans is measured on a collective cohort basis when similar risk characteristics exist. Generally, collectively assessed loans are grouped by call report code and then risk grade grouping. Risk grade is grouped within each call code by pass, special mention, substandard, and doubtful. Other loan types are separated into their own cohorts due to specific risk characteristics for that pool of loans. Examples include CD-secured fintech loans, SBA purchased loans, PPP loans and TriNet loans. The Company has elected a cash flow methodology with PD and LGD for all call code cohorts and TriNet. CD-secured fintech loans, PPP loans and SBA purchased loans are measured with zero risk due to cash collateral and full guaranty, respectively. The PD calculation looks at the historical loan portfolio at particular points in time (each month during the lookback period) to determine the probability that loans in a certain cohort will default over the next 12 month period. A default is defined as a loan that has moved to past due 90 days and greater, nonaccrual status, or experienced a charge-off during the period. In cohorts where the Company’s historical data are insufficient due to less than 20 loans on average in the pool or zero defaults, management uses index PDs in place of the Company’s historical PDs. Additionally, management reviews all other cohorts to determine if index PDs should be used outside of these criteria. The LGD calculation looks at actual losses (net charge-offs) experienced over the entire lookback period for each cohort of loans. The aggregate loss amount is divided by the exposure at default to determine an LGD rate. All defaults (non-accrual, charge-off, or greater than 90 days past due) occurring during the lookback period are included in the denominator, whether a loss occurred or not and exposure at default is determined by the loan balance immediately preceding the default event (i.e. nonaccrual or charge-off). Due to very limited charge-off history, management uses index LGDs in place of the Company’s historical LGDs. The Company utilizes reasonable and supportable forecasts of future economic conditions when estimating the allowance for credit losses on loans. The calculation includes a 12-month PD forecast based on the Company’s regression model comparing peer nonperforming loan ratios to the national unemployment rate and the most recently published Wall Street Journal survey of economists’ forecast. After the forecast period, PD rates revert on a straight-line basis to long-term average rates over a 12-month period. The Company recognizes that all significant factors that affect the collectability of the loan portfolio must be considered to determine the estimated credit losses as of the evaluation date. Furthermore, the collective assessment methodology, in and of itself and even when selectively adjusted by comparison to market and peer data, does not provide a sufficient basis to determine the estimated credit losses. The Company adjusts the modeled historical losses by a Qualitative and Environmental factor to incorporate all significant risks to form a sufficient basis to estimate the credit losses. Individual Assessment Loans classified as Nonaccrual, TDR, or Reasonably Expected TDR will be reviewed quarterly for potential individual assessment. Any loan classified as a Nonaccrual or TDR that is not determined to need individual assessment will be evaluated collectively within its respective cohort. All Reasonably Expected TDR loans will be evaluated individually to account for expected modifications in loan terms. Where the primary and/or expected source of repayment of a specific loan is believed to be the future liquidation of available collateral, impairment will generally be measured based upon expected future collateral proceeds, net of disposition expenses including sales commissions as well as other costs potentially necessary to sell the asset(s) (i.e. past due taxes, liens, etc.) Estimates of future collateral proceeds will be based upon available appraisals, reference to recent valuations of comparable properties, use of consultants or other professionals with relevant market and/or property-specific knowledge, and any other sources of information believed appropriate by management under the specific circumstances. When appraisals are ordered to support the impairment analysis of an impaired loan, the appraisal is reviewed by Atlantic Capital’s internal appraisal reviewer or a qualified third party reviewer. Where the primary and/or expected source of repayment of a specific loan is believed to be the receipt of principal and interest payments from the borrower and/or the refinancing of the loan by another creditor, impairment will generally be measured based upon the present value of expected proceeds discounted at the contractual interest rate. Expected refinancing proceeds may be estimated from review of term sheets actually received by the borrower from other creditors and/or from the Company’s knowledge of terms generally available from other banks, asset-based lenders, factoring companies and institutional lenders (Government Sponsored Entities, insurance companies, etc.) Determining the Contractual Term Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a TDR will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. Prepayment assumptions will be determined by analysis of historical behavior by loan cohort. Troubled Debt Restructurings A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered to be a TDR. Any loan that is being considered for modification and expected to result in a TDR is identified as a Reasonably Expected TDR. Reasonably Expected TDRs are assessed in the CECL calculation utilizing their expected modified terms. The allowance for credit losses on a TDR is measured using the same method as all other loans held for investment, except that the original interest rate is used to discount the expected cash flows when a rate modification has occurred. Allowance for Credit Losses on Unfunded Commitments Atlantic Capital estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by Atlantic Capital. The allowance for credit losses on unfunded commitments is adjusted through a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The estimate utilizes the same factors and assumptions as the allowance for credit losses on loans and is applied at the same collective cohort level.
Premises and Equipment, Net	Premises and Equipment, Net Land is carried at cost. Other premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the respective assets. In general, estimated lives for buildings and improvements are up to 40 years, furniture and equipment useful lives range from one ten The Company determines if a lease is present at the inception of an agreement. Operating leases are capitalized at commencement and are discounted using the Company’s FHLB borrowing rate for a similar term borrowing unless the lease defines an implicit rate within the contract. Leases with original terms of less than 12 months are not capitalized. Right-of-use assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease right-of-use assets and operating lease liabilities are recognized on the lease commencement date based on the present value of lease payments over the lease term. No significant judgments or assumptions were involved in developing the estimated operating lease liabilities as the Company’s operating lease liabilities largely represent future rental expenses associated with operating leases and the borrowing rates are based on publicly available interest rates. The lease term includes options to extend or terminate the lease. These options to extend or terminate are assessed on a lease-by-lease basis and adjustments are made to the right-of-use asset and lease liability if the Company is reasonably certain that an option will be exercised and will be expensed on a straight-line basis. Right-of-use assets and lease liabilities arising from operating leases are included within premises and equipment, net and other liabilities, respectively, on the Consolidated Balance Sheets. See Note 7 – Premises and Equipment for additional information on leases.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill is an asset representing the future economic benefits from other assets acquired that are not individually identified and separately recognized. Goodwill is measured as the excess of the consideration transferred, net of the fair value of identifiable assets acquired and liabilities assumed at the acquisition date. Goodwill is not amortized, but instead is tested for impairment annually or more frequently if events or circumstances exist that indicate a goodwill impairment test should be performed. Other intangible assets, which are initially recorded at fair value, consist of core deposit intangible assets resulting from Atlantic Capital’s acquisition of First Security. Core deposit intangible assets are amortized on a sum-of-all-months basis over their estimated useful lives. The Company evaluates its other intangible assets for impairment whenever events or changes in circumstances indicate the carrying amount of the asset may not be recoverable.
Other Real Estate Owned	Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lower of the loan balance or fair value at the date of foreclosure, less estimated costs to sell. Any difference between the initial cost basis and the carrying value of the loan is charged to the allowance for loan losses at the date of the transfer to other real estate owned. Subsequent to foreclosure, any further declines in value of the assets are recorded as adjustments to the asset’s carrying amount and reported in noninterest expense, along with costs related to holding the properties, in the Consolidated Statements of Income.
Servicing Rights	Servicing Rights The Company sells certain loans to third parties. All such transfers are accounted for as sales by the Company. Gains or losses upon sale are recorded in noninterest income. The Company records a separate servicing asset for the loans when the servicing is retained and the expected servicing income is more than adequate compensation for providing the servicing. This asset represents the right or obligation to service the loans and receive a fee in compensation. Servicing assets are initially recorded at their fair value as a component of the sale proceeds. The fair value of the servicing assets is based on an analysis of discounted cash flows that incorporates estimates of (1) market servicing costs, (2) market-based prepayment rates, and (3) market profit margins. The Company has elected to subsequently measure the servicing assets under the amortization method and measured for impairment on a quarterly basis. The rate of prepayment of loans serviced is the most significant estimate involved in the measurement process. Estimates of prepayment rates are based on market participant’s expectations of future prepayment rates, reflecting the Company’s historical rate of loan repayments if consistent with market participant assumptions, industry trends, and other considerations. Actual prepayment rates may differ from those projected by management due to changes in a variety of economic factors, including prevailing interest rates and the availability of alternative financing sources to borrowers. If actual prepayments of the loans being serviced were to occur more quickly than projected, an impairment could exist, and the carrying value of servicing assets may require a write-down through a charge to earnings in the current period. Accordingly, the servicing assets actually realized, could differ from the amounts initially recorded.
Bank Owned Life Insurance	Bank Owned Life Insurance The Bank has purchased life insurance policies on certain key personnel. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Segment Reporting	Segment Reporting Atlantic Capital considers its operations to be a single business segment as defined in ASC 280, Segment Reporting
Income Taxes	Income Taxes The provision for income taxes is based on income and expense reported for financial statement purposes after adjustments for permanent differences. Deferred tax assets and liabilities are recorded for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Future tax benefits, such as net operating loss carryforwards, are recognized to the extent that realization of such benefits is more likely than not. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income tax expense in the period that includes the enactment date. A valuation allowance is provided when it is deemed more likely than not that some portion, or all, of the deferred tax asset will not be realized. In assessing the ability to realize the deferred tax assets, management considers the four possible sources of taxable income including future reversals of existing taxable temporary differences, future taxable income, taxable income in prior carryback years and tax-planning strategies that would be implemented to utilize the loss carryforwards prior to expiration. A tax position is recognized as a benefit only if it is more-likely-than-not that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. Atlantic Capital files its income tax returns on a consolidated basis. For additional information, see, Note 14 - Income Taxes.
Stock-Based Compensation	Stock-Based Compensation Atlantic Capital sponsors a stock-based compensation plan, which is described more fully in Note 15 - Employee and Director Benefit Plans. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation expense for performance share awards are based on the fair value of Atlantic Capital’s stock at the grant date adjusted for market conditions, as well as the subsequent achievement of performance conditions. The total cost of the Company’s stock-based awards is recognized as expense on a straight-line basis over the vesting periods of the awards.
Earnings Per Share	Earnings Per Share Basic earnings per share are computed by dividing net income available to common shareholders by the weighted-average number of common shares outstanding during each period. Diluted earnings per share are based on the weighted-average number of common shares outstanding during each period, plus common share equivalents calculated for stock options outstanding using the treasury stock method. When a net loss is recognized for the period, diluted earnings per share is calculated in the same manner as basic earnings per share.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the financial statements when they are funded.
Fair Value	Fair Value Certain assets and liabilities are measured at fair value on a recurring basis. Examples of these include available-for-sale securities and derivative instruments. Fair value is used on a nonrecurring basis when assets are evaluated for impairment; the basis for accounting is lower of cost or market or fair value for disclosure purposes. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. ASC 820, Fair Value Measurements and Disclosures
Derivative Financial Instruments	Derivative Financial Instruments The Company follows the guidance under ASC 815, Derivatives and Hedging
Going Concern Assessment	Going Concern Assessment I Disclosure of Uncertainties about and Entity’s Ability to Continue as a Going Concern

ACCOUNTING POLICIES AND BASIS_3

ACCOUNTING POLICIES AND BASIS OF PRESENTATION (Tables)	12 Months Ended
ACCOUNTING POLICIES AND BASIS OF PRESENTATION (Tables)	Dec. 31, 2020
Accounting Standards Updates and Recently Adopted Standards
Schedule of New Accounting Pronouncements and Changes in Accounting Principles	The Company finalized the adoption as of January 1, 2020 as detailed in the following table January 1, 2020 As Reported Impact of Pre-ASC 326 Under ASC 326 (in thousands) Adoption ASC 326 Adoption (1) Assets: Allowance for credit losses on debt securities held-to-maturity U.S. states and political divisions - tax-exempt $ - $ 13 $ 13 U.S. states and political divisions - taxable - 7 7 Total allowance for credit losses on debt securities held-to-maturity - 20 20 Allowance for credit losses on loans Loans Commercial and industrial 9,015 8,578 (437) Commercial real estate 7,504 6,868 (636) Construction and land 1,685 1,819 134 Residential mortgages 81 108 27 Home equity 63 121 58 Consumer 42 101 59 Other 145 78 (67) Mortgage warehouse - 8 8 Total allowance for credit losses on loans 18,535 17,681 (854) Liabilities: Allowance for credit losses on unfunded commitments 892 2,167 1,275 Total allowance for credit losses $ 19,427 $ 19,868 $ 441 (1) he adoption of CECL resulted in a reduction of retained earnings totaling $72,000 , net of tax.

Divestitures and Discontinued_2

Divestitures and Discontinued Operations (Tables)	12 Months Ended
Divestitures and Discontinued Operations (Tables)	Dec. 31, 2020
Divestitures and Discontinued Operations
Disposal Groups, Including Discontinued Operations	The following table presents results of the discontinued operations for the years ended December 31, 2019 and 2018: For the year ended December 31, (in thousands) 2019 2018 Net interest income $ 3,086 $ 14,140 Provision for loan losses — (3,097) Net interest income after provision for loan losses 3,086 17,237 Service charges 527 1,922 Mortgage income 288 1,302 Gain on sale of branches 34,475 — Other (loss) income (1) 123 Total noninterest income 35,289 3,347 Salaries and employee benefits 2,757 11,714 Occupancy 410 2,016 Equipment and software 131 779 Amortization of intangibles 247 1,229 Communications and data processing 586 1,529 Divestiture expense 5,095 825 Other noninterest expense 459 1,849 Total noninterest expense 9,685 19,941 Net income before provision for income taxes 28,690 643 Provision for income taxes 6,993 161 Net income from discontinued operations $ 21,697 $ 482

Balance Sheet Offsetting (Table

Balance Sheet Offsetting (Tables)	12 Months Ended
Balance Sheet Offsetting (Tables)	Dec. 31, 2020
Balance Sheet Offsetting
Offsetting Assets	The following table presents a summary of amounts outstanding in derivative financial instruments including those entered into in connection with the same counterparty under master netting agreements as of December 31, 2020 and 2019. While these agreements are typically over-collateralized, GAAP requires disclosures in this table to limit the amount of such collateral to the amount of the related recognized asset or liability for each counterparty. Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash (in thousands) Recognized Offset on the Asset Financial Collateral December 31, 2020 Assets Balance Sheet Balance Instruments Received Net Amount Derivatives $ 22,184 $ — $ 22,184 $ — $ — $ 22,184 Total $ 22,184 $ — $ 22,184 $ — $ — $ 22,184 Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Liability Financial Collateral Liabilities Balance Sheet Balance Instruments Pledged Net Amount Derivatives $ 11,496 $ — $ 11,496 $ (11,496) $ — $ — Total $ 11,496 $ — $ 11,496 $ (11,496) $ — $ — Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Asset Financial Collateral December 31, 2019 Assets Balance Sheet Balance Instruments Received Net Amount Derivatives $ 8,856 $ — $ 8,856 $ — $ — $ 8,856 Total $ 8,856 $ — $ 8,856 $ — $ — $ 8,856 Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Liability Financial Collateral Liabilities Balance Sheet Balance Instruments Pledged Net Amount Derivatives $ 5,647 $ — $ 5,647 $ (5,647) $ — $ — Total $ 5,647 $ — $ 5,647 $ (5,647) $ — $ —
Offsetting Liabilities	The following table presents a summary of amounts outstanding in derivative financial instruments including those entered into in connection with the same counterparty under master netting agreements as of December 31, 2020 and 2019. While these agreements are typically over-collateralized, GAAP requires disclosures in this table to limit the amount of such collateral to the amount of the related recognized asset or liability for each counterparty. Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash (in thousands) Recognized Offset on the Asset Financial Collateral December 31, 2020 Assets Balance Sheet Balance Instruments Received Net Amount Derivatives $ 22,184 $ — $ 22,184 $ — $ — $ 22,184 Total $ 22,184 $ — $ 22,184 $ — $ — $ 22,184 Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Liability Financial Collateral Liabilities Balance Sheet Balance Instruments Pledged Net Amount Derivatives $ 11,496 $ — $ 11,496 $ (11,496) $ — $ — Total $ 11,496 $ — $ 11,496 $ (11,496) $ — $ — Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Asset Financial Collateral December 31, 2019 Assets Balance Sheet Balance Instruments Received Net Amount Derivatives $ 8,856 $ — $ 8,856 $ — $ — $ 8,856 Total $ 8,856 $ — $ 8,856 $ — $ — $ 8,856 Gross Amounts not Offset in the Gross Balance Sheet Amounts of Gross Amounts Net Cash Recognized Offset on the Liability Financial Collateral Liabilities Balance Sheet Balance Instruments Pledged Net Amount Derivatives $ 5,647 $ — $ 5,647 $ (5,647) $ — $ — Total $ 5,647 $ — $ 5,647 $ (5,647) $ — $ —

Securities (Tables)

Securities (Tables)	12 Months Ended
Securities (Tables)	Dec. 31, 2020
Securities
Schedule of Securities Available-For-Sale and Held-to-Maturity Reconciliation	The following table presents the amortized cost, fair value, and allowance for credit losses on securities available-for-sale and held-to-maturity at December 31, 2020 and December 31, 2019 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses: Gross Gross Amortized Unrealized Unrealized Cost Gains Losses Fair Value (in thousands) December 31, 2020 Available-For-Sale U.S. states and political divisions $ 78,117 $ 2,906 $ (4) $ 81,019 Trust preferred securities 4,835 — (113) 4,722 Corporate debt securities 19,526 295 — 19,821 Residential mortgage-backed securities 190,817 4,023 (242) 194,598 Commercial mortgage-backed securities 33,150 2,123 (10) 35,263 Total available-for-sale 326,445 9,347 (369) 335,423 Gross Gross Allowance Net Amortized Unrecognized Unrecognized for Credit Carrying Cost Gains Losses Fair Value Losses Value Held-to-Maturity U.S. states and political divisions 200,170 14,439 (25) 214,584 (14) 200,156 Total held-to-maturity 200,170 14,439 (25) 214,584 (14) 200,156 Total securities $ 526,615 $ 23,786 $ (394) $ 550,007 Gross Gross December 31, 2019 Amortized Unrealized Unrealized Available-For-Sale Cost Gains Losses Fair Value U.S. states and political divisions $ 81,865 $ 863 $ (243) $ 82,485 Trust preferred securities 4,808 — (120) 4,688 Corporate debt securities 19,557 363 — 19,920 Residential mortgage-backed securities 138,552 1,885 (424) 140,013 Commercial mortgage-backed securities 34,495 912 (52) 35,355 Total available-for-sale 279,277 4,023 (839) 282,461 Held-to-Maturity U.S. states and political divisions 116,972 104 (1,785) 115,291 Total held-to-maturity 116,972 104 (1,785) 115,291 Total securities $ 396,249 $ 4,127 $ (2,624) $ 397,752
Schedule of allowance for credit losses	For the Year Ended December 31, 2020 U.S. States and U.S. States and Political Subdivisions Political Subdivisions Tax-exempt Taxable Total (in thousands) Allowance for credit losses on securities held-to-maturity: Beginning balance $ — $ — $ — Impact of adopting ASU 2016-13 13 7 20 Provision for credit losses (3) (3) (6) Securities charged-off — — — Recoveries — — — Total ending allowance balance $ 10 $ 4 $ 14
Investments Classified by Contractual Maturity Date	The following table presents the amortized cost and fair value of available-for-sale and held-to-maturity debt securities by contractual maturity at December 31, 2020. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-For-Sale Held-to-Maturity Amortized Fair Amortized Fair Cost Value Cost Value (in thousands) Within 1 year $ 9,526 $ 9,752 $ — $ — After 1 year through 5 years 2,771 2,901 — — After 5 years through 10 years 36,559 37,571 315 325 After 10 years 53,622 55,338 199,855 214,259 102,478 105,562 200,170 214,584 Residential mortgage-backed securities 190,817 194,598 — — Commercial mortgage-backed securities 33,150 35,263 — — Total $ 326,445 $ 335,423 $ 200,170 $ 214,584
Schedule of amortized cost of debt securities held-to-maturity	Held-to-Maturity U.S. States and U.S. States and Political Subdivisions Political Subdivisions Tax-exempt Taxable Total December 31, 2020 (in thousands) Aaa $ 54,301 $ 22,836 $ 77,137 Aa1 37,048 14,803 51,851 Aa2 29,951 22,833 52,784 Aa3 12,147 4,044 16,191 A1 2,207 — 2,207 Total $ 135,654 $ 64,516 $ 200,170
Continuous Unrealized Loss Position, Fair Value	The following table summarizes available-for-sale securities and held-to-maturity securities in an unrealized loss position as of December 31, 2020 and December 31, 2019. Less than 12 months 12 months or greater Totals Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2020 Value Losses Value Losses Value Losses (in thousands) Available-for-Sale U.S. states and political divisions $ — $ — $ 1,987 $ (4) $ 1,987 $ (4) Trust preferred securities — — 4,721 (113) 4,721 (113) Residential mortgage-backed securities 68,042 (231) 205 (11) 68,247 (242) Commercial mortgage-backed securities 3,750 (10) — — 3,750 (10) Total available-for-sale 71,792 (241) 6,913 (128) 78,705 (369) Held-to-Maturity U.S. states and political divisions 2,241 (25) — — 2,241 (25) Total held-to-maturity 2,241 (25) — — 2,241 (25) Total securities $ 74,033 $ (266) $ 6,913 $ (128) $ 80,946 $ (394) December 31, 2019 Available-for-Sale U.S. states and political divisions $ 20,019 $ (190) $ 4,090 $ (53) $ 24,109 $ (243) Trust preferred securities — — 4,687 (120) 4,687 (120) Residential mortgage-backed securities 8,271 (26) 30,292 (398) 38,563 (424) Commercial mortgage-backed securities 2,480 (52) — — 2,480 (52) Total available-for-sale 30,770 (268) 39,069 (571) 69,839 (839) Held-to-Maturity U.S. states and political divisions 96,854 (1,785) — — 96,854 (1,785) Total held-to-maturity 96,854 (1,785) — — 96,854 (1,785) Total securities $ 127,624 $ (2,053) $ 39,069 $ (571) $ 166,693 $ (2,624)
Schedule of Realized Gain (Loss) on Securities	Year Ended December 31, 2020 2019 (in thousands) Proceeds from sales $ 385 $ 116,963 Gross realized gains $ — $ 1,675 Gross realized losses (23) (768) Net gains on sales of securities $ (23) $ 907

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
Loans and Allowance for Loan Losses (Tables)	Dec. 31, 2020
Loans and Allowance for Loan Losses
Schedule of Accounts, Notes, Loans and Financing Receivable	The composition of the loan portfolio as of December 31, 2020 and December 31, 2019, is summarized below. December 31, 2020 December 31, 2019 (in thousands) Loans held for sale Loans held for sale — 370 Total loans held for sale $ — $ 370 Loans held for investment Commercial loans: Commercial and industrial $ 952,805 $ 705,115 Commercial real estate 909,101 916,328 Construction and land 145,595 127,540 Mortgage warehouse participations — 13,941 Total commercial loans 2,007,501 1,762,924 Residential: Residential mortgages 33,783 31,315 Home equity 25,443 25,002 Total residential loans 59,226 56,317 Consumer 176,066 37,765 Other 13,897 19,552 Total loans 2,256,690 1,876,558 Less net deferred fees and other unearned income (7,654) (3,034) Less allowance for credit losses on loans (31,818) (18,535) Loans held for investment, net $ 2,217,218 $ 1,854,989
Schedule of Allowance for Credit Losses on Financing Receivables	The following table presents the balance and activity in the allowance for credit losses on loans by portfolio segment for the years ended December 31, 2020 and 2019. 2020 2019 Year Ended December 31, Commercial Residential Consumer Total Commercial Residential Consumer Total (in thousands) Allowance for credit losses on loans: Beginning balance, prior to adoption of ASC 326 $ 18,203 $ 145 $ 187 $ 18,535 $ 17,322 $ 292 $ 237 $ 17,851 Impact of adopting ASC 326 (947) 8 85 (854) — — — — Provision for loan losses 15,171 706 615 16,492 2,910 (153) (45) 2,712 Loans charged-off (2,380) (161) — (2,541) (2,069) (9) (39) (2,117) Recoveries 174 1 11 186 40 15 34 89 Total ending allowance balance $ 30,221 $ 699 $ 898 $ 31,818 $ 18,203 $ 145 $ 187 $ 18,535
Schedule of troubled debt restructurings on financing receivables	Number of Loans Outstanding Balance Increase in Allowance (in thousands) Year Ended December 31, 2020 Commercial and industrial 1 $ 65 $ 2 Commercial real estate 1 1,919 172 Total 2 $ 1,984 $ 174 Year Ended December 31, 2019 Commercial and industrial 9 $ 4,699 $ 48 Commercial real estate 4 8,471 66 Total 13 $ 13,170 $ 114
Schedule of financing receivable modifications subsequent default	e bye Twelve Months Ended December 31, 2020 Troubled debt restructurings that subsequently defaulted during the period within twelve months of their modification date: Number of Loans Outstanding Balance (in thousands) Commercial 2 $ 197 Total 2 $ 197
Schedule of Related Party Transactions	2020 2019 (in thousands) Balance at January 1, $ — $ — Additions 4 6 Repayments (4) (6) Balance at December 31, $ — $ —
Schedule of Financing Receivable Credit Quality Indicators	As of December 31, 2020, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows. Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2020 2019 2018 2017 2016 Prior Cost Basis Total (in thousands) December 31, 2020 Commercial - commercial and industrial: Risk rating Pass $ 358,320 $ 130,466 $ 94,596 $ 44,706 $ 35,098 $ 16,621 $ 179,521 $ 859,328 Special mention 1,260 11,475 26,683 540 684 310 24,844 65,796 Substandard — 4,069 7,917 2,436 997 5,474 6,779 27,672 Doubtful — — 9 — — — — 9 Total commercial - commercial and industrial $ 359,580 $ 146,010 $ 129,205 $ 47,682 $ 36,779 $ 22,405 $ 211,144 $ 952,805 Commercial - commercial real estate: Risk rating Pass $ 88,246 $ 160,205 $ 146,807 $ 93,956 $ 123,959 $ 213,204 $ 9,189 $ 835,566 Special mention — 21,964 1,534 — 865 4,142 175 28,680 Substandard 5,328 6,102 4,323 3,262 9,674 16,166 — 44,855 Doubtful — — — — — — — — Total commercial - commercial real estate loans $ 93,574 $ 188,271 $ 152,664 $ 97,218 $ 134,498 $ 233,512 $ 9,364 $ 909,101 Commercial - construction and land: Risk rating Pass $ 71,828 $ 57,807 $ 4,407 $ — $ — $ 720 $ 6,012 $ 140,774 Special mention — — 2,665 — 2,156 — — 4,821 Substandard — — — — — — — — Doubtful — — — — — — — — Total commercial - construction and land loans $ 71,828 $ 57,807 $ 7,072 $ — $ 2,156 $ 720 $ 6,012 $ 145,595 Residential - mortgages: Risk rating Pass $ 9,848 $ 2,862 $ 14,040 $ 747 $ 2,817 $ 307 $ — $ 30,621 Special mention 1,237 — 857 753 — — — 2,847 Substandard — — 179 — 26 110 — 315 Doubtful — — — — — — — — Total residential - mortgage loans $ 11,085 $ 2,862 $ 15,076 $ 1,500 $ 2,843 $ 417 $ — $ 33,783 Residential - home equity: Risk rating Pass $ — $ — $ — $ — $ — $ — $ 24,717 $ 24,717 Special mention — — — — — — 726 726 Substandard — — — — — — — — Doubtful — — — — — — — — Total residential - home equity loans $ — $ — $ — $ — $ — $ — $ 25,443 $ 25,443 Consumer: Risk rating Pass $ 162,671 $ 5,429 $ — $ 50 $ 64 $ 4,964 $ 2,888 $ 176,066 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total consumer loans $ 162,671 $ 5,429 $ — $ 50 $ 64 $ 4,964 $ 2,888 $ 176,066 Consumer - other: Risk rating Pass $ — $ — $ 4,609 $ 1,327 $ — $ 640 $ 5,748 $ 12,324 Special mention — 1,117 — — — — — 1,117 Substandard — — — 456 — — — 456 Doubtful — — — — — — — — Total consumer - other loans $ — $ 1,117 $ 4,609 $ 1,783 $ — $ 640 $ 5,748 $ 13,897 Total: Pass $ 690,913 $ 356,769 $ 264,459 $ 140,786 $ 161,938 $ 236,456 $ 228,075 $ 2,079,396 Special Mention 2,497 34,556 31,739 1,293 3,705 4,452 25,745 103,987 Substandard 5,328 10,171 12,419 6,154 10,697 21,750 6,779 73,298 Doubtful — — 9 — — — — 9 Total $ 698,738 $ 401,496 $ 308,626 $ 148,233 $ 176,340 $ 262,658 $ 260,599 $ 2,256,690 As of December 31, 2019, the risk category of loans by class of loans is as follows. Special Substandard Substandard Doubtful Pass Mention Accruing Nonaccruing Nonaccruing Total (in thousands) December 31, 2019 Commercial and industrial $ 648,895 $ 40,179 $ 10,051 $ 5,990 $ - $ 705,115 Commercial real estate 891,078 5,483 19,504 263 - 916,328 Construction and land 127,540 - - - - 127,540 Residential mortgages 30,941 - 119 151 104 31,315 Home equity 24,302 - - 700 - 25,002 Mortgage warehouse 13,941 - - - - 13,941 Consumer/Other 56,336 500 481 - - 57,317 Total Loans $ 1,793,033 $ 46,162 $ 30,155 $ 7,104 $ 104 $ 1,876,558
Schedule of amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing	Year Ended December 31, 2020 Nonaccrual Nonaccrual Loans Past With No With Due Over Allowance for Allowance for Total 89 Days Credit Losses Credit Losses Nonaccrual Still Accruing Commercial loans: Commercial and industrial $ 2,597 $ 934 $ 3,531 $ — Commercial Real Estate 42 — 42 $ — Total commercial loans 2,639 934 3,573 — Residential mortgages 205 — 205 1,084 Total loans $ 2,844 $ 934 $ 3,778 $ 1,084 Year Ended December 31, 2019 Nonaccrual Nonaccrual Loans Past With No With Due Over Allowance for Allowance for Total 89 Days Credit Losses Credit Losses Nonaccrual Still Accruing Commercial loans: Commercial and industrial $ 3,840 $ 2,150 $ 5,990 $ — Commercial Real Estate 262 — 262 $ 85 Total commercial loans 4,102 2,150 6,252 85 Residential 256 — 256 — Home Equity 700 — 700 — Total loans $ 5,058 $ 2,150 $ 7,208 $ 85
Schedule of amortized cost basis of collateral dependent impaired loans by class of loans	Year Ended December 31, 2020 Real Business SBA Property Equipment Assets Guaranty Total Commercial and industrial $ 2,165 $ 262 $ 150 $ 212 $ 2,789 Residential mortgages 205 — — — 205 Total loans $ 2,370 $ 262 $ 150 $ 212 $ 2,994 Year Ended December 31, 2019 Real Business SBA Property Equipment Assets Guaranty Total Commercial and industrial $ 185 $ 476 $ 1,216 $ 206 $ 2,083 Total loans $ 185 $ 476 $ 1,216 $ 206 $ 2,083
Schedule of past due financing receivables	The following table presents the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of December 31, 2020 and 2019: Year Ended December 31, 2020 Nonaccrual Nonaccrual Loans Past With No With Due Over Allowance for Allowance for Total 89 Days Credit Losses Credit Losses Nonaccrual Still Accruing Commercial loans: Commercial and industrial $ 2,597 $ 934 $ 3,531 $ — Commercial Real Estate 42 — 42 $ — Total commercial loans 2,639 934 3,573 — Residential mortgages 205 — 205 1,084 Total loans $ 2,844 $ 934 $ 3,778 $ 1,084 Year Ended December 31, 2019 Nonaccrual Nonaccrual Loans Past With No With Due Over Allowance for Allowance for Total 89 Days Credit Losses Credit Losses Nonaccrual Still Accruing Commercial loans: Commercial and industrial $ 3,840 $ 2,150 $ 5,990 $ — Commercial Real Estate 262 — 262 $ 85 Total commercial loans 4,102 2,150 6,252 85 Residential 256 — 256 — Home Equity 700 — 700 — Total loans $ 5,058 $ 2,150 $ 7,208 $ 85 The gross additional interest income that would have been earned during the year ended December 31, 2020 had performing TDRs performed in accordance with the original terms is immaterial. Atlantic Capital recognized interest income on nonaccrual loans of $241,000, $301,000 and $227,000 during the years ended December 31, 2020, 2019 and 2018, respectively. The following table presents the amortized cost basis of collateral dependent impaired loans by class of loans as of December 31, 2020 and 2019: Year Ended December 31, 2020 Real Business SBA Property Equipment Assets Guaranty Total Commercial and industrial $ 2,165 $ 262 $ 150 $ 212 $ 2,789 Residential mortgages 205 — — — 205 Total loans $ 2,370 $ 262 $ 150 $ 212 $ 2,994 Year Ended December 31, 2019 Real Business SBA Property Equipment Assets Guaranty Total Commercial and industrial $ 185 $ 476 $ 1,216 $ 206 $ 2,083 Total loans $ 185 $ 476 $ 1,216 $ 206 $ 2,083 Atlantic Capital monitors loans by past due status. The following table presents the aging of the recorded investment in past due loans as of December 31, 2020 and 2019 by class of loans. As of December 31, 2020 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Past Due Loans Not Past Due Past Due Past Due Nonaccruing and Nonaccruing Past Due Total (in thousands) Loans by Classification Commercial and industrial $ 1,166 $ 1,749 $ 817 $ 3,531 $ 7,263 $ 945,542 $ 952,805 Commercial real estate 4,008 357 — 42 4,407 904,694 909,101 Construction and land — — — — — 145,595 145,595 Residential mortgages 479 925 267 205 1,876 31,907 33,783 Home equity — — — — — 25,443 25,443 Consumer 10,374 5,776 — — 16,150 173,813 189,963 Total Loans $ 16,027 $ 8,807 $ 1,084 $ 3,778 $ 29,696 $ 2,226,994 $ 2,256,690 As of December 31, 2019 30 - 59 60 - 89 Greater Than Days Days 89 Days Total Past Due Loans Not Past Due Past Due Past Due Nonaccruing and Nonaccruing Past Due Total (in thousands) Loans by Classification Commercial and industrial $ 4,069 $ 30 $ — $ 5,990 $ 10,089 $ 695,026 $ 705,115 Commercial real estate 1,194 — 85 262 1,541 914,787 916,328 Construction and land — — — — — 127,540 127,540 Residential mortgages 707 — — 256 963 30,352 31,315 Home equity — — — 700 700 24,302 25,002 Mortgage warehouse — — — — — 13,941 13,941 Consumer 136 — — — 136 57,181 57,317 Total Loans $ 6,106 $ 30 $ 85 $ 7,208 $ 13,429 $ 1,863,129 $ 1,876,558
Schedule of loan purchased and sold of SBA sales	Year Ended December 31, 2020 Commercial and Commercial Residential Industrial Real Estate Mortgages Total (in thousands) Repurchases of SBA participations $ 2,474 $ 1,467 $ - $ 3,941 SBA Sales 32,293 13,353 836 46,482 Total Loans $ 34,767 $ 14,820 $ 836 $ 50,423 Year Ended December 31, 2019 Commercial and Commercial Residential Industrial Real Estate Mortgages Total (in thousands) Repurchases of SBA participations $ 2,754 $ 2,271 $ - $ 5,025 SBA Sales 48,282 20,074 392 68,748 Total Loans $ 51,036 $ 22,345 $ 392 $ 73,773

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
Premises and Equipment (Tables)	Dec. 31, 2020
Premises and Equipment
Schedule of Premises and Equipment	As of December 31, 2020 2019 (in thousands) Land and improvements $ — $ — Buildings and improvements — — Leasehold improvements 11,018 9,040 Equipment, furniture and software 12,982 11,636 Right of use asset - leases 9,931 11,940 Projects in process 150 147 Premises and equipment-gross 34,081 32,763 Accumulated depreciation (12,492) (10,227) Premises and equipment-net $ 21,589 $ 22,536
Lease Cost and Other Information Related to Leases	Year Ended December 31, 2020 2019 (in thousands) Operating lease cost $ 2,195 $ 2,274 Short-term lease cost 30 44 Sublease income (366) (252) Net lease cost $ 1,859 $ 2,066 Year Ended December 31, 2020 2019 (in thousands) Operating cash paid for amounts included in the measurement of lease liabilities $ 2,125 $ 1,944 ROU assets obtained in exchange for new finance lease liabilities — 17,807 As of December 31, 2020 2019 Weighted-average remaining lease term - operating leases 8.3 years 9.0 years Weighted-average discount rate - operating leases 3.03 % 3.05 %
Schedule of Maturity of Lease Liabilities	December 31, 2020 (in thousands) Twelve Months Ended: December 31, 2021 $ 2,176 December 31, 2022 2,419 December 31, 2023 2,026 December 31, 2024 1,937 December 31, 2025 1,904 Thereafter 7,532 Total future minimum lease payments 17,994 Less: Interest (3,095) Present value of net future minimum lease payments $ 14,899

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
Goodwill and Intangible Assets (Tables)	Dec. 31, 2020
Goodwill and Intangible Assets
Schedule of Intangible Assets and Goodwill	The carrying amount of goodwill and other intangible assets is summarized below: December 31, December 31, 2020 2019 (in thousands) Core deposit intangible $ — $ 9,544 Less: accumulated amortization — (6,100) Less: impairment to-date related to divested branches — (3,444) Total core deposit intangible — — Servicing assets, net 2,731 3,027 Total intangibles subject to amortization, net 2,731 3,027 Goodwill 19,925 19,925 Total goodwill and other intangible assets, net $ 22,656 $ 22,952 Goodwill Core Deposit Intangible Total (in thousands) Balance at December 31, 2018 $ 21,690 $ 1,405 $ 23,095 Amortization — (247) (247) Impairment, due to Branch Sale (1,765) (1,158) (2,923) Balance at December 31, 2019 19,925 — 19,925 Amortization — — — Balance at December 31, 2020 $ 19,925 $ — $ 19,925

Servicing Assets (Tables)

Servicing Assets (Tables)	12 Months Ended
Servicing Assets (Tables)	Dec. 31, 2020
Servicing Assets
Changes in the Balance of Servicing Assets	Changes in the balance of SBA servicing assets for the years ended December 31, 2020 and 2019 are presented in the following table . Year ended December 31, SBA Loan Servicing Assets 2020 2019 (in thousands) Beginning carrying value, net $ 2,731 $ 2,539 Additions 834 1,226 Amortization (996) (1,034) Ending carrying value $ 2,569 $ 2,731 Changes in the balance of TriNet servicing assets for the years ended December 31, 2020 and 2019 are presented in the following table . Year Ended December 31, TriNet Servicing Assets 2020 2019 (in thousands) Beginning carrying value, net $ 296 $ 444 Amortization (134) (148) Ending carrying value $ 162 $ 296
Schedule of Sensitivity to Immediate Changes in Key Economic Assumptions	At December 31, 2020 and 2019, the sensitivity of the fair value of the SBA loan servicing rights to immediate changes in key economic assumptions are presented in the table below . Sensitivity of the SBA Servicing Assets December 31, 2020 December 31, 2019 (dollars in thousands) Fair value of retained servicing assets $ 2,907 $ 2,842 Weighted average life 3.17 years 3.77 years Prepayment speed: 18.03 % 14.87 % Decline in fair value due to a 10% adverse change $ (123) $ (150) Decline in fair value due to a 20% adverse change $ (236) $ (254) Weighted average discount rate 12.49 % 13.66 % Decline in fair value due to a 100 bps adverse change $ (59) $ (98) Decline in fair value due to a 200 bps adverse change $ (115) $ (156) At December 31, 2020 and 2019, the sensitivity of the fair value of the TriNet servicing rights to immediate changes in key economic assumptions are presented in the table below . Sensitivity of the TriNet Servicing Assets December 31, 2020 December 31, 2019 (dollars in thousands) Fair value of retained servicing assets $ 298 $ 414 Weighted average life 4.58 years 5.58 years Prepayment speed: 5.00 % 5.00 % Decline in fair value due to a 10% adverse change $ (3) $ (5) Decline in fair value due to a 20% adverse change $ (6) $ (10) Weighted average discount rate 8.00 % 8.00 % Decline in fair value due to a 100 bps adverse change $ (5) $ (9) Decline in fair value due to a 200 bps adverse change $ (11) $ (18)

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2020
Regulatory Matters
Schedule of Deposit Liabilities	December 31, 2020 December 31, 2019 (in thousands) Non-interest bearing demand deposits $ 1,033,765 $ 824,646 Interest-bearing demand deposits 760,638 373,727 Savings and money market deposits 1,031,378 1,174,437 Time deposits less than $250,000 234,546 37,680 Time deposits $250,000 or greater 6,782 6,709 Brokered deposits 94,399 81,847 Total deposits $ 3,161,508 $ 2,499,046
Schedule of Maturities of Time Deposits	The scheduled maturities of time and brokered deposits as of December 31, 2020 are as follows: Time Brokered (in thousands) 2021 $ 238,973 $ 94,399 2022 1,872 — 2023 324 — 2024 45 — 2025 114 — Total $ 241,328 $ 94,399

Other Borrowings and Long Ter_2

Other Borrowings and Long Term Debt (Tables)	12 Months Ended
Other Borrowings and Long Term Debt (Tables)	Dec. 31, 2020
Other Borrowings and Long Term Debt
Schedule of Long-term Debt Instruments and Borrowings	Subordinated debt is summarized as follows: December 31, 2020 December 31, 2019 (in thousands) Floating rate 10 year capital securities, with interest paid semi-annually at an annual fixed rate of 6.25% until September 30, 2020 $ — $ 50,000 Floating rate 10 year capital securities, with interest paid semi-annually at an annual fixed rate of 5.50% until September 1, 2025 75,000 — Principal amount of subordinated debt $ 75,000 $ 50,000 Less debt issuance costs 1,193 127 Subordinated debt, net $ 73,807 $ 49,873

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
Accumulated Other Comprehensive Income (Loss) (Tables)	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss)
Schedule of Accumulated Other Comprehensive Income (Loss)	For the Year Ended December 31, 2020 December 31, 2019 December 31, 2018 Income Income Income Tax Tax Tax Pre-Tax (Expense) After-Tax Pre-Tax (Expense) After-Tax Pre-Tax (Expense) After-Tax Amount Benefit Amount Amount Benefit Amount Amount Benefit Amount (in thousands) Accumulated other comprehensive income (loss) beginning of period $ 6,081 $ (1,520) $ 4,561 $ (13,743) $ 3,438 $ (10,305) $ (6,274) $ 2,415 $ (3,859) Reclassification of tax effects from AOCI — — — — — — — (844) (844) Unrealized net gains (losses) on investment securities available-for- sale 5,780 (1,427) 4,353 15,888 (3,974) 11,914 (8,070) 2,018 (6,052) Reclassification adjustment for net realized losses (gains) on investment securities available-for-sale 23 (6) 17 (907) 227 (680) 1,855 (464) 1,391 Unrealized net gains (losses) on derivatives 7,405 (1,829) 5,576 4,843 (1,211) 3,632 (1,254) 313 (941) Accumulated other comprehensive income (loss) end of period $ 19,289 $ (4,782) $ 14,507 $ 6,081 $ (1,520) $ 4,561 $ (13,743) $ 3,438 $ (10,305)

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
Earnings Per Common Share (Tables)	Dec. 31, 2020
Earnings Per Common Share
Schedule of Calculation of Numerator and Denominator in Earnings Per Share	The following table represents the earnings per share calculations from continuing operations and discontinued operations for the years ended December 31, 2020, 2019, and 2018. Year Ended December 31, 2020 2019 2018 (in thousands, except share and per share amounts) (in thousands, except share and per share amounts) Net income from continuing operations $ 22,540 $ 28,158 $ 28,050 Net income from discontinued operations — 21,697 482 Net income available to common shareholders $ 22,540 $ 49,855 $ 28,532 Weighted average shares outstanding Basic (1) 21,342,086 23,315,562 25,947,038 Effect of dilutive securities: Stock options and performance share awards 85,636 162,439 164,717 Diluted 21,427,722 23,478,001 26,111,755 Net income per common share - basic Net income per common share - continuing operations $ 1.06 $ 1.21 $ 1.08 Net income per common share - discontinued operations — 0.93 0.02 Net income per common share - basic $ 1.06 $ 2.14 $ 1.10 Net income per common share - diluted Net income per common share - continuing operations $ 1.05 $ 1.20 $ 1.07 Net income per common share - discontinued operations — 0.92 0.02 Net income per common share - diluted $ 1.05 $ 2.12 $ 1.09 (1) Unvested restricted shares are participating securities and included in basic share calculations.

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
Income Taxes (Tables)	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Schedule of components of income tax expense (benefit)	The components of income tax expense from continuing operations included in the Consolidated Statements of Income for the years ended were as follows: For the year ended December 31, (in thousands) 2020 2019 2018 Current income tax expense (benefit): Federal $ 4,276 $ (2,587) $ 3,710 State 650 (183) 371 Total 4,926 (2,770) 4,081 Deferred income tax expense (benefit): Federal (80) 9,646 (1,798) State (233) 735 4,024 Total (313) 10,381 2,226 Total income tax from continuing operations $ 4,613 $ 7,611 $ 6,307
Schedule of effective income tax rate reconciliation	The income tax expense differs from the statutory rate of 21% in 2020, 2019 and 2018, as indicated in the following analysis: For the year ended December 31, (in thousands) 2020 2019 2018 Tax expense (benefit) based on federal statutory rate $ 5,702 $ 7,518 $ 7,215 State taxes, net of federal benefit 341 572 899 Income tax credits (236) (10) (103) Tax-exempt earnings (1,434) (822) (717) Excess benefit 100 4 (142) Nondeductible expenses 65 135 116 Change in uncertain tax positions reserve 111 137 56 Change in valuation allowance (16) (111) (996) Other (20) 188 (21) Total income tax from continuing operations $ 4,613 $ 7,611 $ 6,307
Schedule of deferred tax assets and liabilities	(in thousands) December 31, 2020 December 31, 2019 Net operating loss carryforward $ 14,637 $ 15,743 Federal tax credits 5,342 5,342 Allowance for loan losses 7,692 4,545 Stock-based compensation 582 729 Other real estate owned 131 206 Transaction costs 72 152 Lease liability 3,613 4,158 Nonaccrual loan interest 418 509 Long term incentive plan — 204 Other 2,697 2,197 Total gross deferred tax assets 35,184 33,785 Less: valuation allowance (6,682) (6,698) Net deferred tax asset 28,502 27,087 Depreciation 2,338 626 Deferred loan costs 493 429 ROU asset - leases 2,408 2,944 Net unrealized gains on investment securities available‑for‑sale 2,220 796 Net unrealized gains on cash flow hedges 2,546 725 Other 141 301 Total gross deferred tax liabilities 10,146 5,821 Net deferred tax assets $ 18,356 $ 21,266
Schedule of reconciliation of unrecognized tax benefits	A reconciliation of the beginning and ending unrecognized tax benefit related to uncertain tax positions is as follows: (in thousands) 2020 2019 Balance at beginning of year $ 452 $ 278 Additions based on tax positions related to the current year 203 174 Decreases due to lapsed statute of limitations (63) — Balance at end of year $ 592 $ 452

Employee and Director Benefit_2

Employee and Director Benefit Plans (Tables)	12 Months Ended
Employee and Director Benefit Plans (Tables)	Dec. 31, 2020
Employee and Director Benefit Plans
Schedule of Assumptions Used	For the year ended December 31, 2019 2018 Risk‑free interest rate 2.27 % 1.66 % Expected term in years 1.73-1.82 0.25 Expected stock price volatility 26.8 % 24.2 % Dividend yield — % — %
Schedule of Share-based Compensation, Stock Options and Warrants Activity	The following table represents stock option activity for the years ended December 31, 2020, 2019, and 2018: Weighted Average Weighted Remaining Aggregate Average Contractual Term Intrinsic Value Shares Exercise Price (in years) (in thousands) Outstanding, December 31, 2019 318,980 $ 11.47 Granted/modified (1) — — Exercised (103,940) 10.48 Forfeited (1) — — Expired (150) 75.91 Outstanding, December 31, 2020 214,890 $ 11.90 1.86 $ 861 Exercisable, December 31, 2020 214,890 $ 11.90 1.86 $ 861 Weighted average fair value of options granted/modified $ — Outstanding, December 31, 2018 442,454 $ 12.02 Granted/modified (2) 12,500 10.00 Exercised (90,330) 12.76 Forfeited (2) (38,500) 13.17 Expired (7,144) 17.79 Outstanding, December 31, 2019 318,980 $ 11.47 2.41 $ 2,203 Exercisable, December 31, 2019 308,980 $ 11.36 2.30 $ 2,170 Weighted average fair value of options granted/modified $ 8.07 Outstanding, December 31, 2017 757,711 $ 12.66 Granted/modified (3) 15,000 14.64 Exercised (310,016) 13.21 Forfeited (3) (19,935) 14.08 Expired (306) 105.97 Outstanding, December 31, 2018 442,454 $ 12.02 3.98 $ 1,990 Exercisable, December 31, 2018 396,454 $ 11.67 3.63 $ 1,919 Weighted average fair value of options granted/modified $ 2.79 (1) The Company did not grant/modify any options during the year ended December 31, 2020. (2) During the year ended December 31, 2019, the Company modified options for 12,500 shares. The modifications are included as shares granted/modified and as shares forfeited in this table. (3) During the year ended December 31, 2018, the Company modified options for 15,000 shares. The modifications are included as shares granted/modified and as shares forfeited in this table
Schedule of Share-based Compensation, Restricted Stock Award Activity	The following table represents restricted stock and performance share award activity for the years ended December 31, 2020, 2019, and 2018: Weighted Average Grant- Shares Date Fair Value Outstanding, December 31, 2019 292,877 $ 19.00 Granted/modified 278,855 14.67 Vested (118,340) 17.38 Forfeited (17,644) 15.82 Outstanding, December 31, 2020 435,748 $ 16.80 Outstanding, December 31, 2018 272,695 $ 18.09 Granted/modified (1) 158,593 19.19 Vested (70,748) 16.51 Forfeited (1) (67,663) 18.34 Outstanding, December 31, 2019 292,877 $ 19.00 Outstanding, December 31, 2017 239,468 $ 15.69 Granted/modified (1) 139,507 19.79 Vested (73,686) 14.51 Forfeited (1) (32,594) 15.91 Outstanding, December 31, 2018 272,695 $ 18.09 (1) During the years ended December 31, 2019 and 2018, the Company modified 4,719 and 6,869 restricted stock awards, respectively. The modifications are included as shares granted/modified and as shares forfeited in the table above.

Derivatives and Hedging (Tables

Derivatives and Hedging (Tables)	12 Months Ended
Derivatives and Hedging (Tables)	Dec. 31, 2020
Derivatives and Hedging
Schedule of Derivative Instruments	The following table reflects the estimated fair value positions of derivative contracts and credit risk participation agreements as of December 31, 2020 and 2019: Derivatives designated as hedging instruments under ASC 815 December 31, 2020 December 31, 2019 (in thousands) Balance Sheet Notional Notional Interest Rate Products Location Amount Fair Value Amount Fair Value Cash flow hedge of LIBOR based loans Other assets $ 125,000 $ 10,799 $ 125,000 $ 3,578 Cash flow hedge of LIBOR based loans Other liabilities $ — $ — $ 50,000 $ 8 Derivatives not designated as hedging instruments under ASC 815 December 31, 2020 December 31, 2019 (in thousands) Balance Sheet Notional Notional Interest Rate Products Location Amount Fair Value Amount Fair Value Customer swap positions Other assets $ 34,224 $ 2,057 $ 44,763 $ 1,025 Zero premium collar Other assets 68,527 9,328 74,562 4,253 $ 102,751 $ 11,385 $ 119,325 $ 5,278 Dealer offsets to customer swap positions Other liabilities $ 34,224 $ 2,087 $ 44,763 $ 1,090 Dealer offset to zero premium collar Other liabilities 68,527 9,398 74,562 4,545 Credit risk participation Other liabilities 5,782 11 7,657 4 $ 108,533 $ 11,496 $ 126,982 $ 5,639 The following table presents the effect of the Company’s derivative financial instruments that are not designated as hedging instruments on the Consolidated Statements of Income for the years ended December 31, 2020 and 2019: Derivatives not designated as hedging instruments under ASC 815 Location of Gain or Amount of Gain or (Loss) (Loss) Recognized in Recognized in Income on Derivative (in thousands) Income on Derivative Year Ended December 31, 2020 2019 Interest rate products Other income $ 264 $ (321) Other contracts Other income (7) (1) Total $ 257 $ (322) The following table reflects the impact to the Consolidated Statements of Income related to derivative contracts for the years ended December 31, 2020 and 2019: Derivatives in Cash Flow Hedging Relationships Amount of Gain or (Loss) Recognized in OCI on Derivatives Gain or (Loss) Reclassified from Accumulated OCI in Income (Effective Portion) (Effective Portion) (in thousands) 2020 2019 Location 2020 2019 Interest rate swaps $ 7,325 $ 4,487 Interest income $ (1,892) $ (356)

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
Regulatory Matters (Tables)	Dec. 31, 2020
Regulatory Matters
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The Company’s and the Bank’s actual capital amounts and ratios are presented in the table below: As of December 31, 2020 To be Well Capitalized Under For Capital Adequacy Prompt Corrective Action Actual Purposes Provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 capital (to risk weighted assets): Consolidated $ 292,890 11.9 % $ 111,158 4.5 % N/A N/A Bank 349,779 14.2 % 111,227 4.5 % 160,661 6.5 % Tier 1 capital (to risk weighted assets): Consolidated $ 292,890 11.9 % $ 148,211 6.0 % N/A N/A Bank 349,779 14.2 % 148,302 6.0 % 197,736 8.0 % Total capital (to risk weighted assets): Consolidated $ 397,719 16.1 % $ 197,615 8.0 % N/A N/A Bank 380,725 15.4 % 197,736 8.0 % 247,170 10.0 % Tier 1 capital (to average assets): Consolidated $ 292,890 8.9 % $ 131,901 4.0 % N/A N/A Bank 349,779 10.6 % 131,536 4.0 % 164,420 5.0 % As of December 31, 2019 To be Well Capitalized For Capital Adequacy Under Prompt Corrective Actual Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio Common Equity Tier 1 capital (to risk weighted assets): Consolidated $ 285,456 12.0 % $ 106,740 4.5 % N/A N/A Bank 327,426 13.8 % 106,698 4.5 % 154,119 6.5 % Tier 1 capital (to risk weighted assets): Consolidated $ 285,456 12.0 % $ 142,320 6.0 % N/A N/A Bank 327,426 13.8 % 142,264 6.0 % 189,685 8.0 % Total capital (to risk weighted assets): Consolidated $ 354,757 15.0 % $ 189,760 8.0 % N/A N/A Bank 346,854 14.6 % 189,685 8.0 % 237,107 10.0 % Tier 1 capital (to average assets): Consolidated $ 285,456 11.0 % $ 103,596 4.0 % N/A N/A Bank 327,426 12.7 % 103,425 4.0 % 129,281 5.0 %

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
Fair Value Measurements (Tables)	Dec. 31, 2020
Fair Value Measurements
Schedule of Fair Value, Assets and Liabilities, Measured on Recurring Basis	Assets and Liabilities Measured at Fair Value on a Recurring Basis The following tables present assets and liabilities that were measured at fair value on a recurring basis by level within the fair value hierarchy as reported in the Consolidated Balance Sheets at December 31, 2020 and 2019. Fair Value Measurements at December 31, 2020 Using: Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Securities Inputs Inputs (Level 1) (Level 2) (Level 3) Total (in thousands) Securities available-for-sale: U.S. states and political subdivisions $ — $ 81,019 $ — $ 81,019 Trust preferred securities — 4,722 — 4,722 Corporate debt securities — 19,821 — 19,821 Residential mortgage-backed securities — 194,598 — 194,598 Commercial mortgage-backed securities — 35,263 — 35,263 Total securities available-for-sale $ — $ 335,423 $ — $ 335,423 Interest rate derivative assets $ — $ 22,184 $ — $ 22,184 Interest rate derivative liabilities $ — $ 11,496 $ — $ 11,496 Fair Value Measurements at December 31, 2019 Using: Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Securities Inputs Inputs (Level 1) (Level 2) (Level 3) Totals (in thousands) Securities available-for-sale: U.S. states and political subdivisions $ — $ 82,485 $ — $ 82,485 Trust preferred securities — 4,688 — 4,688 Corporate debt securities — 19,920 — 19,920 Mortgage-backed securities — 175,368 — 175,368 Total securities available-for-sale $ — $ 282,461 $ — $ 282,461 Interest rate derivative assets $ — $ 8,856 $ — $ 8,856 Interest rate derivative liabilities $ — $ 5,647 $ — $ 5,647
Fair Value Measurements, Nonrecurring	Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis The following table presents the assets that were measured at fair value on a nonrecurring basis by level within the fair value hierarchy as reported in the Consolidated Balance Sheets at December 31, 2020 and December 31, 2019 . Level 1 Level 2 Level 3 Fair Value Fair Value Fair Value December 31, 2020 Measurement Measurement Measurement Total (in thousands) Impaired Loans $ — $ — $ 2,844 $ 2,844 Level 1 Level 2 Level 3 Fair Value Fair Value Fair Value December 31, 2019 Measurement Measurement Measurement Total (in thousands) Impaired Loans $ — $ — $ 4,288 $ 4,288
Fair Value Measurements, Recurring and Nonrecurring	The following tables present the estimated fair values of Atlantic Capital’s financial instruments at December 31, 2020 and December 31, 2019. Fair Value Measurements at December 31, 2020 Using: Quoted Prices in Active Significant markets for Other Significant Identical Observable Unobservable Carrying Securities Inputs Inputs Amount (Level 1) (Level 2) (Level 3) (in thousands) Financial assets: Cash and due from banks $ 16,865 $ 16,865 $ — $ — Interest-bearing deposits in banks 636,537 636,537 — — Total securities available-for-sale 335,423 — 335,423 — Total securities held-to-maturity 200,156 — 214,584 — FHLB stock 2,619 — — 2,619 FRB stock 10,080 — — 10,080 Loans held for investment, net 2,249,036 — — 2,285,222 Derivative assets 22,184 — 22,184 — Financial liabilities: Deposits $ 3,161,508 $ — $ 3,120,246 $ — Subordinated debt 73,807 — 77,814 — Derivative financial instruments 11,496 — 11,496 — Fair Value Measurements at December 31, 2019 Using: Quoted Prices in Active Significant markets for Other Significant Identical Observable Unobservable Carrying Securities Inputs Inputs Amount (Level 1) (Level 2) (Level 3) (in thousands) Financial assets: Cash and due from banks $ 45,249 $ 45,249 $ — $ — Interest-bearing deposits in banks 421,079 421,079 — — Total securities available-for-sale 282,461 — 282,461 — Total securities held-to-maturity 116,972 — 115,291 — FHLB stock 2,680 — — 2,680 FRB stock 9,998 — — 9,998 Loans held for investment, net 1,873,524 — — 1,890,258 Loans held for sale 370 — 370 — Derivative assets 8,856 — 8,856 — Financial liabilities: Deposits $ 2,499,046 $ — $ 2,421,957 $ — Subordinated debt 49,873 — 50,081 — Derivative financial instruments 5,647 — 5,647 —

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
Commitments and Contingencies (Tables)	Dec. 31, 2020
Commitments and Contingencies
Schedule of Exposure to Credit Risk By Commitment	Atlantic Capital’s maximum exposure to credit risk for unfunded loan commitments and standby letters of credit as well as a summary of minimum lease payments at December 31, 2020 and December 31, 2019 were as follows: December 31, 2020 December 31, 2019 (in thousands) Financial Instruments whose contract amount represents credit risk: Commitments to extend credit $ 813,757 $ 735,905 Standby letters of credit 16,141 8,053 $ 829,898 $ 743,958 Minimum lease payments $ 17,994 $ 20,055

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
Revenue Recognition (Tables)	Dec. 31, 2020
Revenue Recognition
Disaggregation of Revenue	The following table presents service charges by type of service provided for the years ended December 31, 2020, 2019, and 2018: Year Ended December 31, 2020 2019 2018 (in thousands) Deposit account analysis fees and charges $ 4,214 $ 2,630 $ 2,166 ATM fees 80 58 223 NSF fees 37 57 97 Wire fees 188 483 426 Foreign exchange fees 347 352 288 Other 5 7 15 Total service charges - continuing operations 4,871 3,587 3,215 Service charges - discontinued operations — 527 1,922 Total service charges $ 4,871 $ 4,114 $ 5,137 Year Ended December 31, 2018 Personal trust and agency accounts $ 615 Employee benefit and retirement-related trust and agency accounts 120 Investment management and investment advisory agency accounts 216 Custody and safekeeping accounts 26 Other 48 $ 1,025

Atlantic Capital Bancshares, _2

Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information (Tables)	12 Months Ended
	Dec. 31, 2020
Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information
Balance Sheets	Balance Sheets (in thousands) December 31, 2020 2019 Assets Cash $ 17,695 $ 7,752 Investment in subsidiary 395,475 368,465 Other assets 735 938 Total assets $ 413,905 $ 377,155 Liabilities and shareholders’ equity Long-term debt $ 73,807 $ 49,873 Other liabilities 1,512 787 Total liabilities 75,319 50,660 Shareholders’ equity: Common stock 209,942 230,265 Retained earnings 114,137 91,669 Accumulated other comprehensive income 14,507 4,561 Total shareholders’ equity 338,586 326,495 Total liabilities and shareholders’ equity $ 413,905 $ 377,155
Statements of Operations	Statements of Income (in thousands) Year Ended December 31, 2020 2019 2018 Income: Dividends from bank $ 12,500 $ 45,500 $ 30,000 Interest income — — 381 Total income 12,500 45,500 30,381 Expense: Interest on long-term debt 4,108 3,294 3,304 Other expense 1,190 1,231 1,134 Total expense 5,298 4,525 4,438 Income before income tax expense and equity in undistributed earnings from subsidiary 7,202 40,975 25,943 Income tax benefit (1,372) (1,217) (1,091) Income before equity in undistributed earnings of subsidiary 8,574 42,192 27,034 Equity in undistributed earnings of subsidiary 13,966 7,663 1,498 Net income $ 22,540 $ 49,855 $ 28,532
Statements of Cash Flow	Statements of Cash Flows (in thousands) Year Ended December 31, 2020 2019 2018 Operating activities Net income $ 22,540 $ 49,855 $ 28,532 Adjustments to reconcile net income to net cash (used in) operating activities: Equity in undistributed earnings of subsidiary (26,466) (53,163) (31,498) Decrease (increase) in other assets (1,635) (1,521) (705) (Decrease) increase in other liabilities 725 173 169 Net cash (used in) operating activities (4,836) (4,656) (3,502) Investing activities Net cash (used in) provided by investing activities — — — Financing activities Issuance of subordinated debt 75,000 — — Repayment of subordinated debt (50,000) — — Proceeds from exercise of stock options 815 1,154 4,096 Cash dividends received 12,500 45,500 30,000 Repurchase of common stock (23,536) (64,814) (14,177) Net cash provided by (used in) financing activities 14,779 (18,160) 19,919 Net (decrease) increase in cash and cash equivalents 9,943 (22,816) 16,417 Cash equivalents, beginning of year 7,752 30,568 14,151 Cash equivalents, end of year $ 17,695 $ 7,752 $ 30,568

Accounting Policies and Basis_4

Accounting Policies and Basis of Presentation - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Business Acquisition [Line Items]
Default period for interest accruals to cease on loans, days	90 days
Sub-participation agreement aggregate ownership interest, percentage, participators	99.00%
Sub-participation agreement aggregate ownership interest, percentage, originator	1.00%
Mortgage warehouse loans interest purchased, percent	40.00%
Bank loans time held, days (less than)	30 days
Options to extend	true
Options to terminate	true
Mortgage warehouse
Business Acquisition [Line Items]
Loans and lease receivable held for investment	$ 0
Buildings and improvements \| Maximum
Business Acquisition [Line Items]
Useful life	40 years
Equipment and furniture \| Maximum
Business Acquisition [Line Items]
Useful life	10 years
Equipment and furniture \| Minimum
Business Acquisition [Line Items]
Useful life	1 year
Leasehold improvements \| Maximum
Business Acquisition [Line Items]
Useful life	11 years
Leasehold improvements \| Minimum
Business Acquisition [Line Items]
Useful life	10 years

Accounting Policies and Basis_5

Accounting Policies and Basis of Presentation - Allowance for Loan Losses - (Details) - USD ($)	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Dec. 31, 2018
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity	$ 14,000
Allowance for credit losses on loans	31,818,000		$ 18,535,000	$ 17,851,000
Allowance for credit losses on unfunded commitments			892,000
Total			19,427,000
Retained earnings	114,137,000		91,669,000
U.S. states and political divisions
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity	14,000
U.S. states and political divisions - tax-exempt
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity	10,000
U.S. states and political divisions - taxable
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity	4,000
ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity		$ 20,000
Allowance for credit losses on loans		17,681,000
Allowance for credit losses on unfunded commitments		2,167,000
Total		19,868,000
ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance \| U.S. states and political divisions - tax-exempt
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity		13,000
ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance \| U.S. states and political divisions - taxable
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity		7,000
ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity		20,000
Allowance for credit losses on loans	(854,000)	(854,000)
Allowance for credit losses on unfunded commitments		1,275,000
Total		441,000
Retained earnings	$ (72,000,000)	(72,000,000)
ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment \| U.S. states and political divisions - tax-exempt
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity		13,000
ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment \| U.S. states and political divisions - taxable
Item Effected [Line Items]
Allowance for credit losses on debt securities held-to-maturity		7,000
Commercial and industrial
Item Effected [Line Items]
Allowance for credit losses on loans			9,015,000
Commercial and industrial \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		8,578,000
Commercial and industrial \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		(437,000)
Commercial real estate
Item Effected [Line Items]
Allowance for credit losses on loans			7,504,000
Commercial real estate \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		6,868,000
Commercial real estate \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		(636,000)
Construction and land
Item Effected [Line Items]
Allowance for credit losses on loans			1,685,000
Construction and land \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		1,819,000
Construction and land \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		134,000
Residential mortgages
Item Effected [Line Items]
Allowance for credit losses on loans			81,000
Residential mortgages \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		108,000
Residential mortgages \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		27,000
Home equity
Item Effected [Line Items]
Allowance for credit losses on loans			63,000
Home equity \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		121,000
Home equity \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		58,000
Consumer
Item Effected [Line Items]
Allowance for credit losses on loans			42,000
Consumer \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		101,000
Consumer \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		59,000
Other
Item Effected [Line Items]
Allowance for credit losses on loans			$ 145,000
Other \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		78,000
Other \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		(67,000)
Mortgage warehouse \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjusted Balance
Item Effected [Line Items]
Allowance for credit losses on loans		8,000
Mortgage warehouse \| ASU 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment
Item Effected [Line Items]
Allowance for credit losses on loans		$ 8,000

Accounting Standards Updates _2

Accounting Standards Updates and Recently Adopted Standards - Recently Adopted Accounting Pronouncements (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Retained earnings	$ 114,137		$ 91,669
Cumulative Effect, Period of Adoption, Adjustment \| ASU 2016-13
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Retained earnings	$ (72,000)	$ (72,000)

Divestitures and Discontinued_3

Divestitures and Discontinued Operations - Narrative (Details) $ in Thousands	Apr. 05, 2019USD ($)item	Dec. 14, 2017USD ($)	Jun. 30, 2019USD ($)	Jun. 30, 2018USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Gain on sale of trust business					$ 0	$ 0	$ 1,681
Goodwill impairment						$ 1,765
Branch Sale
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Goodwill impairment			$ 1,800
Branch Sale \| Discontinued Operations
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Number of branches sold \| item	14
Deposits and customer repurchase agreements assumed by buyer	$ 598,000
Amount of loans purchased by buyer	$ 385,000
Deposit premium paid (as a percent)	6.25%
Discount of purchased loans (as a percent)	0.68%
Southeastern Trust Company \| Discontinued Operations
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Proceeds from divestiture of business		$ 1,800
Gain on sale of trust business				$ 1,700
Goodwill impairment				$ 69

Divestitures and Discontinued_4

Divestitures and Discontinued Operations - Components of Net Income from Discontinued Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Net income before provision for income taxes	$ 28,690	$ 643
(Benefit) provision for income taxes	6,993	161
Net income from discontinued operations	21,697	482
Branch Sale \| Discontinued Operations
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Net interest income	3,086	14,140
Provision for loan losses		(3,097)
Net interest income after provision for loan losses	3,086	17,237
Service charges	527	1,922
Mortgage income	288	1,302
Gain on sale of branches	34,475
Other income	(1)	123
Total noninterest income	35,289	3,347
Salaries and employee benefits	2,757	11,714
Occupancy	410	2,016
Equipment and software	131	779
Amortization of intangibles	247	1,229
Communications and data processing	586	1,529
Divestiture expense	5,095	825
Other noninterest expense	459	1,849
Total noninterest expense	9,685	19,941
Net income before provision for income taxes	28,690	643
(Benefit) provision for income taxes	6,993	161
Net income from discontinued operations	$ 21,697	$ 482

Divestitures and Discontinued_5

Divestitures and Discontinued Operations - Assets and Liabilities from Discontinued Operations (Details) $ in Thousands	Dec. 31, 2020USD ($)
Divestitures and Discontinued Operations
Assets related to discontinued operations	$ 0
Deposits and customer repurchase agreements assumed by FirstBank	$ 0

Balance Sheet Offsetting (Detai

Balance Sheet Offsetting (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Derivatives, Assets
Gross Amounts of Recognized Assets	$ 22,184	$ 8,856
Gross Amounts Offset on the Balance Sheet	0	0
Net Asset Balance	22,184	8,856
Financial Instruments	0	0
Cash Collateral Received	0	0
Net Amount	22,184	8,856
Total, Assets
Gross Amounts of Recognized Assets	22,184	8,856
Gross Amounts Offset on the Balance Sheet	0	0
Net Asset Balance	22,184	8,856
Financial Instruments	0	0
Cash Collateral Received	0	0
Net Amount	22,184	8,856
Derivatives, Liabilities
Gross Amounts of Recognized Liabilities	11,496	5,647
Gross Amounts Offset on the Balance Sheet	0	0
Net Liability Balance	11,496	5,647
Financial Instruments	(11,496)	(5,647)
Cash Collateral Pledged	0	0
Net Amount	0	0
Total, Liabilities
Gross Amounts of Recognized Liabilities	11,496	5,647
Gross Amounts Offset on the Balance Sheet	0	0
Net Liability Balance	11,496	5,647
Financial Instruments	(11,496)	(5,647)
Cash Collateral Pledged	0	0
Net Amount	$ 0	$ 0

Securities - Available-For-Sale

Securities - Available-For-Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-For-Sale
Amortized Cost	$ 326,445	$ 279,277
Gross Unrealized Gains	9,347	4,023
Gross Unrealized Losses	(369)	(839)
Fair Value	335,423	282,461
Held-to-Maturity
Amortized Cost	200,170	116,972
Gross Unrealized Gains	14,439	104
Gross Unrealized Losses	(25)	(1,785)
Fair Value	214,584	115,291
Allowance for credit losses on debt securities held-to-maturity	(14)
Net Carrying Value	200,156	116,972
Total securities
Amortized Cost	526,615	396,249
Gross Unrealized Gains	23,786	4,127
Gross Unrealized Losses	(394)	(2,624)
Fair Value	550,007	397,752
U.S. states and political divisions
Available-For-Sale
Amortized Cost	78,117	81,865
Gross Unrealized Gains	2,906	863
Gross Unrealized Losses	(4)	(243)
Fair Value	81,019	82,485
Held-to-Maturity
Amortized Cost	200,170	116,972
Gross Unrealized Gains	14,439	104
Gross Unrealized Losses	(25)	(1,785)
Fair Value	214,584	115,291
Allowance for credit losses on debt securities held-to-maturity	(14)
Net Carrying Value	200,156
Trust preferred securities
Available-For-Sale
Amortized Cost	4,835	4,808
Gross Unrealized Gains		0
Gross Unrealized Losses	(113)	(120)
Fair Value	4,722	4,688
Corporate debt securities
Available-For-Sale
Amortized Cost	19,526	19,557
Gross Unrealized Gains	295	363
Gross Unrealized Losses	0
Fair Value	19,821	19,920
Residential mortgage-backed securities
Available-For-Sale
Amortized Cost	190,817	138,552
Gross Unrealized Gains	4,023	1,885
Gross Unrealized Losses	(242)	(424)
Fair Value	194,598	140,013
Commercial mortgage-backed securities
Available-For-Sale
Amortized Cost	33,150	34,495
Gross Unrealized Gains	2,123	912
Gross Unrealized Losses	(10)	(52)
Fair Value	$ 35,263	$ 35,355

Securities - Allowance for cred

Securities - Allowance for credit losses (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Allowance for credit losses:
Provision for credit losses	$ (6)
Total ending allowance balance	14
U.S. states and political divisions
Allowance for credit losses:
Total ending allowance balance	14
U.S. states and political divisions - tax-exempt
Allowance for credit losses:
Provision for credit losses	(3)
Total ending allowance balance	10
U.S. states and political divisions - taxable
Allowance for credit losses:
Provision for credit losses	(3)
Total ending allowance balance	4
ASU 2016-13
Allowance for credit losses:
Impact of adopting ASU 2016-13	20
ASU 2016-13 \| U.S. states and political divisions - tax-exempt
Allowance for credit losses:
Impact of adopting ASU 2016-13	13
ASU 2016-13 \| U.S. states and political divisions - taxable
Allowance for credit losses:
Impact of adopting ASU 2016-13	$ 7

Securities - Amortized cost of

Securities - Amortized cost of debt securities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	$ 200,170	$ 116,972
Moody's, Aaa Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	77,137
Moody's, Aa1 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	51,851
Moody's, Aa2 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	52,784
Moody's, Aa3 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	16,191
Moody's, A1 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	2,207
U.S. states and political divisions
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	200,170	$ 116,972
U.S. states and political divisions - tax-exempt
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	135,654
U.S. states and political divisions - tax-exempt \| Moody's, Aaa Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	54,301
U.S. states and political divisions - tax-exempt \| Moody's, Aa1 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	37,048
U.S. states and political divisions - tax-exempt \| Moody's, Aa2 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	29,951
U.S. states and political divisions - tax-exempt \| Moody's, Aa3 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	12,147
U.S. states and political divisions - tax-exempt \| Moody's, A1 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	2,207
U.S. states and political divisions - taxable
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	64,516
U.S. states and political divisions - taxable \| Moody's, Aaa Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	22,836
U.S. states and political divisions - taxable \| Moody's, Aa1 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	14,803
U.S. states and political divisions - taxable \| Moody's, Aa2 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	22,833
U.S. states and political divisions - taxable \| Moody's, Aa3 Rating [Member]
Debt Securities, Held-to-maturity, Credit Quality Indicator [Line Items]
Total securities held to maturity	$ 4,044

Securities - Contractual Maturi

Securities - Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-For-Sale, Amortized Cost
Within 1 year	$ 9,526
Over 1 year through 5 years	2,771
5 years to 10 years	36,559
Over 10 years	53,622
Amortized cost of securities with single maturity date	102,478
Amortized Cost	326,445	$ 279,277
Available-For-Sale, Fair Value
Within 1 year	9,752
Over 1 year through 5 years	2,901
5 years to 10 years	37,571
Over 10 years	55,338
Fair value of securities with single maturity date	105,562
Fair Value	335,423	282,461
Held-to-Maturity, Amortized Cost
5 years to 10 years	315
Over 10 years	199,855
Amortized cost of securities with single maturity date	200,170
Amortized Cost	200,170	116,972
Held-to-Maturity, Fair Value
5 years to 10 years	325
Over 10 years	214,259
Fair value of securities with single maturity date	214,584
Fair Value	214,584	115,291
Residential mortgage-backed securities
Available-For-Sale, Amortized Cost
Mortgage-backed securities	190,817
Amortized Cost	190,817	138,552
Available-For-Sale, Fair Value
Mortgage-backed securities	194,598
Fair Value	194,598	140,013
Commercial mortgage-backed securities
Available-For-Sale, Amortized Cost
Mortgage-backed securities	33,150
Amortized Cost	33,150	34,495
Available-For-Sale, Fair Value
Mortgage-backed securities	35,263
Fair Value	$ 35,263	$ 35,355

Securities - Unrealized Losses

Securities - Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-for-Sale, Fair Value
Less than 12 months	$ 71,792	$ 30,770
12 months or greater, fair value	6,913	39,069
Totals	78,705	69,839
Available-for-Sale, Unrealized Losses
Less than 12 months	(241)	(268)
12 months or greater	(128)	(571)
Totals	(369)	(839)
Held-to-Maturity, Fair Value
Less than 12 months	2,241	96,854
Totals	2,241	96,854
Held-to-Maturity, Unrealized Losses
Less than 12 months	(25)	(1,785)
Totals	(25)	(1,785)
Total securities - Fair Value
Less than 12 months	74,033	127,624
12 months or greater	6,913	39,069
Totals	80,946	166,693
Total securities - Unrealized losses
Less than 12 months	(266)	(2,053)
12 months or greater	(128)	(571)
Totals	(394)	(2,624)
U.S. states and political divisions
Available-for-Sale, Fair Value
Less than 12 months		20,019
12 months or greater, fair value	1,987	4,090
Totals	1,987	24,109
Available-for-Sale, Unrealized Losses
Less than 12 months		(190)
12 months or greater	(4)	(53)
Totals	(4)	(243)
Held-to-Maturity, Fair Value
Less than 12 months	2,241	96,854
Totals	2,241	96,854
Held-to-Maturity, Unrealized Losses
Less than 12 months	(25)	(1,785)
Totals	(25)	(1,785)
Trust preferred securities
Available-for-Sale, Fair Value
Less than 12 months	0	0
12 months or greater, fair value	4,721	4,687
Totals	4,721	4,687
Available-for-Sale, Unrealized Losses
Less than 12 months	0	0
12 months or greater	(113)	(120)
Totals	(113)	(120)
Residential mortgage-backed securities
Available-for-Sale, Fair Value
Less than 12 months	68,042	8,271
12 months or greater, fair value	205	30,292
Totals	68,247	38,563
Available-for-Sale, Unrealized Losses
Less than 12 months	(231)	(26)
12 months or greater	(11)	(398)
Totals	(242)	(424)
Commercial mortgage-backed securities
Available-for-Sale, Fair Value
Less than 12 months	3,750	2,480
Totals	3,750	2,480
Available-for-Sale, Unrealized Losses
Less than 12 months	(10)	(52)
Totals	$ (10)	$ (52)

Securities - Narrative (Details

Securities - Narrative (Details)	12 Months Ended
Securities - Narrative (Details)	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)security	Dec. 31, 2018USD ($)
Securities
Interest Receivable	$ 2,100,000	$ 796,000
Allowance for credit losses, accrued interest receivable on available for sale securities	1,200,000	$ 1,200,000
Debt securities classified as non-accrual	0
Debt securities classified as past due over 89 days and still accruing	$ 0
Number of available-for-sale securities in unrealized loss position \| security	13	77
Number of held for maturity securities in unrealized loss position \| security	1	35
Impairment of securities in unrealized loss position	$ 0	$ 0
Carrying value of investment securities pledged to secure public funds and other borrowings	43,900,000	32,300,000
Investment securities available for sale	335,423,000	282,461,000
Impairments on SBICs	0	26,000	$ 228,000
SBIC Investments
Securities
Investment securities available for sale	5,400,000	$ 4,700,000
Impairments on SBICs	$ 26,000

Securities - Realized Gains (Lo

Securities - Realized Gains (Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Securities
Proceeds from sales	$ 385	$ 116,963	$ 62,087
Gross realized gains	0	1,675
Gross realized losses	(23)	(768)
Net gains (losses) on sales of securities	$ (23)	$ 907	$ (1,855)

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses - Summary of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for sale - continuing operations	$ 0	$ 370
Total loans held for sale		370
Loans held for investment	2,256,690	1,876,558
Less net deferred fees and other unearned income	(7,654)	(3,034)
Less allowance for credit losses on loans	(31,818)	(18,535)	$ (17,851)
Loans held for investment, net	2,217,218	1,854,989
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less allowance for credit losses on loans		(9,015)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less allowance for credit losses on loans		(7,504)
Construction and land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less allowance for credit losses on loans		(1,685)
Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less allowance for credit losses on loans		(81)
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Less allowance for credit losses on loans		(63)
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	13,897	19,552
Less allowance for credit losses on loans		(145)
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	2,007,501	1,762,924
Less allowance for credit losses on loans	(30,221)	(18,203)	(17,322)
Commercial \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	952,805	705,115
Commercial \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	909,101	916,328
Commercial \| Construction and land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	145,595	127,540
Commercial \| Mortgage warehouse
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment		13,941
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	59,226	56,317
Less allowance for credit losses on loans	(699)	(145)	(292)
Residential \| Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	33,783	31,315
Residential \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	25,443	25,002
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	176,066	37,765
Less allowance for credit losses on loans	(898)	$ (187)	$ (237)
Consumer \| Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for investment	$ 13,897

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	$ 474,500,000	$ 729,600,000
Remaining accretable fair value discount		279,000
Accrued interest	2,100,000	796,000
Credit loss related to accrued interest receivable	49,000
Loans and leases receivable, net	2,217,218,000	1,854,989,000
Recorded investment in TDRs	14,200,000	13,200,000
Allowance for loans	656,000
Interest income on nonaccrual loans	241,000	301,000	$ 227,000
Other assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest	10,800,000
Principal Forgiveness
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded investment in TDRs	0	0
Payment Deferral
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases receivable, net	4,400,000
PCI Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Remaining accretable fair value discount	262,000,000,000
Commercial \| Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Commitments to lend additional funds	$ 0	$ 4,000,000

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses - Allowance Rollforward (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, prior to adoption of ASC 326	$ 18,535	$ 17,851
Provision for credit losses	16,492	2,712
Loans charged-off	(2,541)	(2,117)
Recoveries	186	89
Total ending allowance balance	31,818	18,535
Cumulative Effect, Period of Adoption, Adjustment \| ASU 2016-13
Allowance for Loan and Lease Losses [Roll Forward]
Total ending allowance balance	(854)
Commercial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, prior to adoption of ASC 326	18,203	17,322
Provision for credit losses	15,171	2,910
Loans charged-off	(2,380)	(2,069)
Recoveries	174	40
Total ending allowance balance	30,221	18,203
Commercial \| Cumulative Effect, Period of Adoption, Adjustment \| ASU 2016-13
Allowance for Loan and Lease Losses [Roll Forward]
Total ending allowance balance	(947)
Residential
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, prior to adoption of ASC 326	145	292
Provision for credit losses	706	(153)
Loans charged-off	(161)	(9)
Recoveries	1	15
Total ending allowance balance	699	145
Residential \| Cumulative Effect, Period of Adoption, Adjustment \| ASU 2016-13
Allowance for Loan and Lease Losses [Roll Forward]
Total ending allowance balance	8
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance, prior to adoption of ASC 326	187	237
Provision for credit losses	615	(45)
Loans charged-off		(39)
Recoveries	11	34
Total ending allowance balance	898	$ 187
Consumer \| Cumulative Effect, Period of Adoption, Adjustment \| ASU 2016-13
Allowance for Loan and Lease Losses [Roll Forward]
Total ending allowance balance	$ 85

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	2	13
Pre-Modification Outstanding Recorded Investment	$ 1,984	$ 13,170
Post-Modification Outstanding Recorded Investment	$ 174	$ 114
Commercial \| Commercial and industrial
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	1	9
Pre-Modification Outstanding Recorded Investment	$ 65	$ 4,699
Post-Modification Outstanding Recorded Investment	$ 2	$ 48
Commercial \| Commercial real estate
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	1	4
Pre-Modification Outstanding Recorded Investment	$ 1,919	$ 8,471
Post-Modification Outstanding Recorded Investment	$ 172	$ 66

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses - Troubled Debt Restructurings Subsequently Defaulted-10Q (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	2
Outstanding Balance \| $	$ 197
Commercial
Financing Receivable, Modifications [Line Items]
Number of Loans \| loan	2
Outstanding Balance \| $	$ 197

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses - Related Party Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable, Related Parties [Roll Forward]
Additions	$ 4	$ 6
Repayments	$ (4)	$ (6)

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses - Risk Category of Loan by Class of Loan (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Impaired [Line Items]
2020	$ 698,738
2019	401,496
2018	308,626
2017	148,233
2016	176,340
Prior	262,658
Revolving Loans Amortized Cost Basis	260,599
Total	2,256,690	$ 1,876,558
Accruing Current	2,226,994	1,863,129
Financing Receivable, Nonaccrual	3,778	7,208
Financing Receivable, before Allowance for Credit Loss	2,256,690	1,876,558
Commercial and industrial
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		705,115
Commercial real estate
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		916,328
Construction and land
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		127,540
Residential mortgages
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		31,315
Financing Receivable, Nonaccrual	205
Home equity
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		25,002
Financing Receivable, Nonaccrual		700
Mortgage warehouse
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		13,941
Other
Financing Receivable, Impaired [Line Items]
Total	13,897	19,552
Financing receivable gross, including discontinued operations		57,317
Pass
Financing Receivable, Impaired [Line Items]
2020	690,913
2019	356,769
2018	264,459
2017	140,786
2016	161,938
Prior	236,456
Revolving Loans Amortized Cost Basis	228,075
Total	2,079,396	1,793,033
Pass \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		648,895
Pass \| Commercial real estate
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		891,078
Pass \| Construction and land
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		127,540
Pass \| Residential mortgages
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		30,941
Pass \| Home equity
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		24,302
Pass \| Mortgage warehouse
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		13,941
Pass \| Other
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		56,336
Special Mention
Financing Receivable, Impaired [Line Items]
2020	2,497
2019	34,556
2018	31,739
2017	1,293
2016	3,705
Prior	4,452
Revolving Loans Amortized Cost Basis	25,745
Total	103,987	46,162
Special Mention \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		40,179
Special Mention \| Commercial real estate
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		5,483
Special Mention \| Other
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		500
Substandard
Financing Receivable, Impaired [Line Items]
2020	5,328
2019	10,171
2018	12,419
2017	6,154
2016	10,697
Prior	21,750
Revolving Loans Amortized Cost Basis	6,779
Total	73,298
Substandard \| Accruing Loans
Financing Receivable, Impaired [Line Items]
Total		30,155
Substandard \| Accruing Loans \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		10,051
Substandard \| Accruing Loans \| Commercial real estate
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		19,504
Substandard \| Accruing Loans \| Residential mortgages
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		119
Substandard \| Accruing Loans \| Other
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		481
Substandard \| Nonaccruing Loans
Financing Receivable, Impaired [Line Items]
Total		7,104
Substandard \| Nonaccruing Loans \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		5,990
Substandard \| Nonaccruing Loans \| Commercial real estate
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		263
Substandard \| Nonaccruing Loans \| Residential mortgages
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		151
Substandard \| Nonaccruing Loans \| Home equity
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		700
Doubtful Nonaccruing
Financing Receivable, Impaired [Line Items]
2018	9
Total	9	104
Doubtful Nonaccruing \| Residential mortgages
Financing Receivable, Impaired [Line Items]
Financing receivable gross, including discontinued operations		104
Commercial
Financing Receivable, Impaired [Line Items]
Total	2,007,501	1,762,924
Financing Receivable, Nonaccrual	3,573	6,252
Commercial \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
2020	359,580
2019	146,010
2018	129,205
2017	47,682
2016	36,779
Prior	22,405
Revolving Loans Amortized Cost Basis	211,144
Total	952,805	705,115
Accruing Current	945,542	695,026
Financing Receivable, Nonaccrual	3,531	5,990
Financing Receivable, before Allowance for Credit Loss	952,805	705,115
Commercial \| Commercial real estate
Financing Receivable, Impaired [Line Items]
2020	93,574
2019	188,271
2018	152,664
2017	97,218
2016	134,498
Prior	233,512
Revolving Loans Amortized Cost Basis	9,364
Total	909,101
Accruing Current	904,694	914,787
Financing Receivable, Nonaccrual	42	262
Financing Receivable, before Allowance for Credit Loss	909,101	916,328
Commercial \| Construction and land
Financing Receivable, Impaired [Line Items]
2020	71,828
2019	57,807
2018	7,072
2016	2,156
Prior	720
Revolving Loans Amortized Cost Basis	6,012
Total	145,595	127,540
Accruing Current	145,595	127,540
Financing Receivable, Nonaccrual	0	0
Financing Receivable, before Allowance for Credit Loss	145,595	127,540
Commercial \| Mortgage warehouse
Financing Receivable, Impaired [Line Items]
Total		13,941
Accruing Current		13,941
Financing Receivable, Nonaccrual		0
Financing Receivable, before Allowance for Credit Loss		13,941
Commercial \| Pass \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
2020	358,320
2019	130,466
2018	94,596
2017	44,706
2016	35,098
Prior	16,621
Revolving Loans Amortized Cost Basis	179,521
Total	859,328
Commercial \| Pass \| Commercial real estate
Financing Receivable, Impaired [Line Items]
2020	88,246
2019	160,205
2018	146,807
2017	93,956
2016	123,959
Prior	213,204
Revolving Loans Amortized Cost Basis	9,189
Total	835,566
Commercial \| Pass \| Construction and land
Financing Receivable, Impaired [Line Items]
2020	71,828
2019	57,807
2018	4,407
Prior	720
Revolving Loans Amortized Cost Basis	6,012
Total	140,774
Commercial \| Special Mention \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
2020	1,260
2019	11,475
2018	26,683
2017	540
2016	684
Prior	310
Revolving Loans Amortized Cost Basis	24,844
Total	65,796
Commercial \| Special Mention \| Commercial real estate
Financing Receivable, Impaired [Line Items]
2019	21,964
2018	1,534
2016	865
Prior	4,142
Revolving Loans Amortized Cost Basis	175
Total	28,680
Commercial \| Special Mention \| Construction and land
Financing Receivable, Impaired [Line Items]
2018	2,665
2016	2,156
Total	4,821
Commercial \| Substandard \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
2019	4,069
2018	7,917
2017	2,436
2016	997
Prior	5,474
Revolving Loans Amortized Cost Basis	6,779
Total	27,672
Commercial \| Substandard \| Commercial real estate
Financing Receivable, Impaired [Line Items]
2020	5,328
2019	6,102
2018	4,323
2017	3,262
2016	9,674
Prior	16,166
Total	44,855
Commercial \| Doubtful Nonaccruing \| Commercial and industrial
Financing Receivable, Impaired [Line Items]
2018	9
Total	9
Residential
Financing Receivable, Impaired [Line Items]
Total	59,226	56,317
Financing Receivable, Nonaccrual		256
Residential \| Residential mortgages
Financing Receivable, Impaired [Line Items]
2020	11,085
2019	2,862
2018	15,076
2017	1,500
2016	2,843
Prior	417
Total	33,783	31,315
Accruing Current	31,907	30,352
Financing Receivable, Nonaccrual	205	256
Financing Receivable, before Allowance for Credit Loss	33,783	31,315
Residential \| Home equity
Financing Receivable, Impaired [Line Items]
Revolving Loans Amortized Cost Basis	25,443
Total	25,443	25,002
Accruing Current	25,443	24,302
Financing Receivable, Nonaccrual	0	700
Financing Receivable, before Allowance for Credit Loss	25,443	25,002
Residential \| Pass \| Residential mortgages
Financing Receivable, Impaired [Line Items]
2020	9,848
2019	2,862
2018	14,040
2017	747
2016	2,817
Prior	307
Total	30,621
Residential \| Pass \| Home equity
Financing Receivable, Impaired [Line Items]
Revolving Loans Amortized Cost Basis	24,717
Total	24,717
Residential \| Special Mention \| Residential mortgages
Financing Receivable, Impaired [Line Items]
2020	1,237
2018	857
2017	753
Total	2,847
Residential \| Special Mention \| Home equity
Financing Receivable, Impaired [Line Items]
Revolving Loans Amortized Cost Basis	726
Total	726
Residential \| Substandard \| Residential mortgages
Financing Receivable, Impaired [Line Items]
2018	179
2016	26
Prior	110
Total	315
Consumer
Financing Receivable, Impaired [Line Items]
2020	162,671
2019	5,429
2017	50
2016	64
Prior	4,964
Revolving Loans Amortized Cost Basis	2,888
Total	176,066	37,765
Accruing Current	173,813	57,181
Financing Receivable, Nonaccrual		0
Financing Receivable, before Allowance for Credit Loss	189,963	$ 57,317
Consumer \| Other
Financing Receivable, Impaired [Line Items]
2019	1,117
2018	4,609
2017	1,783
Prior	640
Revolving Loans Amortized Cost Basis	5,748
Total	13,897
Consumer \| Pass
Financing Receivable, Impaired [Line Items]
2020	162,671
2019	5,429
2017	50
2016	64
Prior	4,964
Revolving Loans Amortized Cost Basis	2,888
Total	176,066
Consumer \| Pass \| Other
Financing Receivable, Impaired [Line Items]
2018	4,609
2017	1,327
Prior	640
Revolving Loans Amortized Cost Basis	5,748
Total	12,324
Consumer \| Special Mention \| Other
Financing Receivable, Impaired [Line Items]
2019	1,117
Total	1,117
Consumer \| Substandard \| Other
Financing Receivable, Impaired [Line Items]
2017	456
Total	$ 456

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses - Impaired Loans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Unpaid Principal Balance
Nonaccrual with no Allowance for Credit Losses	$ 2,844,000	$ 5,058,000
Nonaccrual With Allowance for Credit Losses	934,000	2,150,000
Total Nonaccrual	3,778,000	7,208,000
Loans Past Due Over 89 Days Still Accruing	1,084,000	85,000
Interest income on nonaccrual loans	241,000	301,000	$ 227,000
Residential mortgages
Unpaid Principal Balance
Nonaccrual with no Allowance for Credit Losses	205,000
Total Nonaccrual	205,000
Loans Past Due Over 89 Days Still Accruing	1,084,000
Home equity
Unpaid Principal Balance
Nonaccrual with no Allowance for Credit Losses		700,000
Total Nonaccrual		700,000
Commercial
Unpaid Principal Balance
Nonaccrual with no Allowance for Credit Losses	2,639,000	4,102,000
Nonaccrual With Allowance for Credit Losses	934,000	2,150,000
Total Nonaccrual	3,573,000	6,252,000
Loans Past Due Over 89 Days Still Accruing		85,000
Commercial \| Commercial and industrial
Unpaid Principal Balance
Nonaccrual with no Allowance for Credit Losses	2,597,000	3,840,000
Nonaccrual With Allowance for Credit Losses	934,000	2,150,000
Total Nonaccrual	3,531,000	5,990,000
Commercial \| Commercial real estate
Unpaid Principal Balance
Nonaccrual with no Allowance for Credit Losses	42,000	262,000
Total Nonaccrual	42,000	262,000
Loans Past Due Over 89 Days Still Accruing		85,000
Commercial \| Construction and land
Unpaid Principal Balance
Total Nonaccrual	0	0
Commercial \| Mortgage warehouse
Unpaid Principal Balance
Total Nonaccrual		0
Residential
Unpaid Principal Balance
Nonaccrual with no Allowance for Credit Losses		256,000
Total Nonaccrual		256,000
Residential \| Residential mortgages
Unpaid Principal Balance
Total Nonaccrual	205,000	256,000
Residential \| Home equity
Unpaid Principal Balance
Total Nonaccrual	$ 0	$ 700,000

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses - Collateral dependent impaired loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 2,994	$ 2,083
Real property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,370	185
Equipment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	262	476
Business assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	150	1,216
SBA Guaranty-75%
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	212	$ 206
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,789
Commercial and industrial \| Real property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,165
Commercial and industrial \| Equipment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	262
Commercial and industrial \| Business assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	150
Commercial and industrial \| SBA Guaranty-75%
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	212
Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	205
Residential mortgages \| Real property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 205

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses - Financing Receivables Past Due (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Nonaccruing	$ 3,778	$ 7,208
Total Past Due and Nonaccruing	29,696	13,429
Not Past Due	2,226,994	1,863,129
Total	2,256,690	1,876,558
Residential mortgages
Financing Receivable, Past Due [Line Items]
Nonaccruing	205
Home equity
Financing Receivable, Past Due [Line Items]
Nonaccruing		700
Financial Receivable 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Past due	16,027	6,106
Financial Receivable 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Past due	8,807	30
Financing Receivables Greater Than 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Past due	1,084	85
Commercial
Financing Receivable, Past Due [Line Items]
Nonaccruing	3,573	6,252
Commercial \| Commercial and industrial
Financing Receivable, Past Due [Line Items]
Nonaccruing	3,531	5,990
Total Past Due and Nonaccruing	7,263	10,089
Not Past Due	945,542	695,026
Total	952,805	705,115
Commercial \| Commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccruing	42	262
Total Past Due and Nonaccruing	4,407	1,541
Not Past Due	904,694	914,787
Total	909,101	916,328
Commercial \| Construction and land
Financing Receivable, Past Due [Line Items]
Nonaccruing	0	0
Total Past Due and Nonaccruing	0	0
Not Past Due	145,595	127,540
Total	145,595	127,540
Commercial \| Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Nonaccruing		0
Total Past Due and Nonaccruing		0
Not Past Due		13,941
Total		13,941
Commercial \| Financial Receivable 30 to 59 Days Past Due \| Commercial and industrial
Financing Receivable, Past Due [Line Items]
Past due	1,166	4,069
Commercial \| Financial Receivable 30 to 59 Days Past Due \| Commercial real estate
Financing Receivable, Past Due [Line Items]
Past due	4,008	1,194
Commercial \| Financial Receivable 30 to 59 Days Past Due \| Construction and land
Financing Receivable, Past Due [Line Items]
Past due	0	0
Commercial \| Financial Receivable 30 to 59 Days Past Due \| Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Past due		0
Commercial \| Financial Receivable 60 to 89 Days Past Due \| Commercial and industrial
Financing Receivable, Past Due [Line Items]
Past due	1,749	30
Commercial \| Financial Receivable 60 to 89 Days Past Due \| Commercial real estate
Financing Receivable, Past Due [Line Items]
Past due	357	0
Commercial \| Financial Receivable 60 to 89 Days Past Due \| Construction and land
Financing Receivable, Past Due [Line Items]
Past due	0	0
Commercial \| Financial Receivable 60 to 89 Days Past Due \| Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Past due		0
Commercial \| Financing Receivables Greater Than 89 Days Past Due \| Commercial and industrial
Financing Receivable, Past Due [Line Items]
Past due	817	0
Commercial \| Financing Receivables Greater Than 89 Days Past Due \| Commercial real estate
Financing Receivable, Past Due [Line Items]
Past due	0	85
Commercial \| Financing Receivables Greater Than 89 Days Past Due \| Construction and land
Financing Receivable, Past Due [Line Items]
Past due	0	0
Commercial \| Financing Receivables Greater Than 89 Days Past Due \| Mortgage warehouse
Financing Receivable, Past Due [Line Items]
Past due		0
Residential
Financing Receivable, Past Due [Line Items]
Nonaccruing		256
Residential \| Residential mortgages
Financing Receivable, Past Due [Line Items]
Nonaccruing	205	256
Total Past Due and Nonaccruing	1,876	963
Not Past Due	31,907	30,352
Total	33,783	31,315
Residential \| Home equity
Financing Receivable, Past Due [Line Items]
Nonaccruing	0	700
Total Past Due and Nonaccruing	0	700
Not Past Due	25,443	24,302
Total	25,443	25,002
Residential \| Financial Receivable 30 to 59 Days Past Due \| Residential mortgages
Financing Receivable, Past Due [Line Items]
Past due	479	707
Residential \| Financial Receivable 30 to 59 Days Past Due \| Home equity
Financing Receivable, Past Due [Line Items]
Past due	0	0
Residential \| Financial Receivable 60 to 89 Days Past Due \| Residential mortgages
Financing Receivable, Past Due [Line Items]
Past due	925
Residential \| Financial Receivable 60 to 89 Days Past Due \| Home equity
Financing Receivable, Past Due [Line Items]
Past due	0	0
Residential \| Financing Receivables Greater Than 89 Days Past Due \| Residential mortgages
Financing Receivable, Past Due [Line Items]
Past due	267
Residential \| Financing Receivables Greater Than 89 Days Past Due \| Home equity
Financing Receivable, Past Due [Line Items]
Past due	0	0
Consumer
Financing Receivable, Past Due [Line Items]
Nonaccruing		0
Total Past Due and Nonaccruing	16,150	136
Not Past Due	173,813	57,181
Total	189,963	57,317
Consumer \| Financial Receivable 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Past due	10,374	136
Consumer \| Financial Receivable 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Past due	$ 5,776	0
Consumer \| Financing Receivables Greater Than 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Past due		$ 0

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses - Purchase and Sale of loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Repurchases of SBA participations	$ 3,941	$ 5,025
SBA Sales	46,482	68,748
Total Loans	50,423	73,773
Loans sold, delinquent amount	10,100	8,900
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Repurchases of SBA participations	2,474	2,754
SBA Sales	32,293	48,282
Total Loans	34,767	51,036
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Repurchases of SBA participations	1,467	2,271
SBA Sales	13,353	20,074
Total Loans	14,820	22,345
Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
SBA Sales	836	392
Total Loans	$ 836	$ 392

Premises and Equipment - Summar

Premises and Equipment - Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Premises and Equipment
Premises and equipment-gross	$ 34,081	$ 32,763
Accumulated depreciation	(12,492)	(10,227)
Premises and equipment-net	21,589	22,536
Land and improvements
Premises and Equipment
Premises and equipment-gross	0	0
Buildings and improvements
Premises and Equipment
Premises and equipment-gross	0	0
Leasehold improvements
Premises and Equipment
Premises and equipment-gross	11,018	9,040
Equipment, furniture and software
Premises and Equipment
Premises and equipment-gross	12,982	11,636
Right of use asset - leases
Premises and Equipment
Premises and equipment-gross	9,931	11,940
Projects in process
Premises and Equipment
Premises and equipment-gross	$ 150	$ 147

Premises and Equipment - Other

Premises and Equipment - Other (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Premises and Equipment
Depreciation expense	$ 2.4	$ 1.8	$ 1.9

Premises and Equipment - Leases

Premises and Equipment - Leases, Contracts (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Leases
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Property, Plant and Equipment, Net
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities	Other Liabilities
Operating lease ROU assets	$ 9,900	$ 11,900
Operating lease liabilities	$ 14,899	$ 16,900
Minimum
Leases
Contract terms	1 year
Contract renewal terms	5 years
Maximum
Leases
Contract terms	12 years
Contract renewal terms	10 years

Premises and Equipment - Rent E

Premises and Equipment - Rent Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Premises and Equipment
Rent expense	$ 2,200	$ 2,300
Rent expense			$ 3,100

Premises and Equipment - Leas_2

Premises and Equipment - Leases, Net Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Net least cost:
Operating lease cost	$ 2,195	$ 2,274
Short-term lease cost	30	44
Sublease income	(366)	(252)
Net lease cost	$ 1,859	$ 2,066

Premises and Equipment - Leas_3

Premises and Equipment - Leases, Other (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Premises and Equipment
Operating cash paid for amounts included in the measurement of lease liabilities	$ 2,125	$ 1,944
Right-of-use assets obtained in exchange for new finance lease liabilities		$ 17,807
Weighted-average remaining lease term - operating leases	8 years 6 months	9 years
Weighted-average discount rate - operating leases	3.03%	3.05%

Premises and Equipment - Leas_4

Premises and Equipment - Leases, Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Maturity of remaining lease liabilities:
December 31, 2021	$ 2,176
December 31, 2022	2,419
December 31, 2023	2,026
December 31, 2024	1,937
December 31, 2025	1,904
Thereafter	7,532
Total future minimum lease payments	17,994	$ 20,055
Less: Interest	(3,095)
Present value of net future minimum lease payments	$ 14,899	$ 16,900
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities	Other Liabilities

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Total intangibles subject to amortization, net	$ 2,731	$ 3,027
Goodwill	19,925	19,925	$ 21,690
Total goodwill and other intangible assets, net	22,656	22,952
Core Deposit Intangible
Finite-Lived Intangible Assets [Line Items]
Core deposit intangible		9,544
Less: accumulated amortization		(6,100)
Less: impairment to date related to divested branches		(3,444)
Total core deposit intangible			$ 1,405
Servicing Assets
Finite-Lived Intangible Assets [Line Items]
Core deposit intangible	$ 2,731	$ 3,027

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Goodwill impairment		$ 1,765
Branch Sale
Finite-Lived Intangible Assets [Line Items]
Goodwill impairment	$ 1,800

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets - Activity (Details) - USD ($)	3 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Goodwill
Balance, beginning of period		$ 19,925,000	$ 21,690,000
Impairment, due to Branch Sale			(1,765,000)
Balance, end of period		19,925,000	19,925,000	$ 21,690,000
Core Deposit Intangible
Amortization			(247,000)
Total
Balance, beginning of period		19,925,000	23,095,000
Amortization			(247,000)
Impairment, due to Branch Sale			(2,923,000)
Balance, end of period		19,925,000	19,925,000	23,095,000
Branch Sale
Goodwill
Impairment, due to Branch Sale	$ (1,800,000)
Core Deposit Intangible
Impairment, due to Branch Sale			1,200,000
Core Deposit Intangible
Core Deposit Intangible
Balance, beginning of period				1,405,000
Amortization			(247,000)	(1,200,000)
Impairment, due to Branch Sale			(1,158,000)
Balance, end of period			1,405,000
Total
Amortization			$ (247,000)	$ (1,200,000)

Servicing Assets - Narrative (D

Servicing Assets - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Servicing Assets
Loans sold and serviced	$ 192.9	$ 185.5

Servicing Assets - Changes in t

Servicing Assets - Changes in the Balance of Servicing Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
SBA Servicing Assets
Loan Servicing Rights
Beginning carrying value, net	$ 2,731	$ 2,539
Additions	834	1,226
Amortization	(996)	(1,034)
Ending carrying value	2,569	2,731
TriNet Servicing Assets
Loan Servicing Rights
Beginning carrying value, net	296	444
Amortization	(134)	(148)
Ending carrying value	$ 162	$ 296

Servicing Assets - Sensitivity

Servicing Assets - Sensitivity of the Fair Value to Immediate Changes in Key Economic Assumptions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
SBA Servicing Assets
Loan Servicing Assets
Fair value of retained servicing assets	$ 2,907	$ 2,842
Weighted average life	3 years 2 months 1 day	3 years 9 months 7 days
Prepayment speed (as a percent)	18.03%	14.87%
Decline in fair value due to a 10% adverse change	$ (123)	$ (150)
Decline in fair value due to a 20% adverse change	$ (236)	$ (254)
Weighted average discount rate	12.49%	13.66%
Decline in fair value due to a 100 bps adverse change	$ (59)	$ (98)
Decline in fair value due to a 200 bps adverse change	(115)	(156)
TriNet Servicing Assets
Loan Servicing Assets
Fair value of retained servicing assets	$ 298	$ 414
Weighted average life	4 years 6 months 29 days	5 years 6 months 29 days
Prepayment speed (as a percent)	5.00%	5.00%
Decline in fair value due to a 10% adverse change	$ (3)	$ (5)
Decline in fair value due to a 20% adverse change	$ (6)	$ (10)
Weighted average discount rate	8.00%	8.00%
Decline in fair value due to a 100 bps adverse change	$ (5)	$ (9)
Decline in fair value due to a 200 bps adverse change	$ (11)	$ (18)

Deposits - Summary (Details)

Deposits - Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Regulatory Matters
Non-interest bearing demand deposits	$ 1,033,765	$ 824,646
Interest-bearing demand deposits	760,638	373,727
Savings and money market deposits	1,031,378	1,174,437
Time deposits less than $250,000	234,546	37,680
Time deposits $250,000 or greater	6,782	6,709
Brokered deposits	94,399	81,847
Total deposits	$ 3,161,508	$ 2,499,046

Deposits - Other (Details)

Deposits - Other (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Regulatory Matters
Deposit reclassified as loans receivable	$ 1,300,000	$ 383,000
Deposits issued as collateral	43,900,000	32,300,000
Deposits of certain officers, directors, and their associates	$ 8,900,000	$ 9,200,000

Deposits - Maturities (Details)

Deposits - Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Time
2021	$ 238,973
2022	1,872
2023	324
2024	45
2025	114
Time Deposits, Total	241,328	$ 44,389
Brokered
2021	94,399
2022	0
2023	0
2024	0
2025	0
Brokered Deposits, Total	$ 94,399	$ 81,847

Other Borrowings and Long Ter_3

Other Borrowings and Long Term Debt - Narrative (Details) - USD ($)	Aug. 20, 2020	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2020
Other Borrowings and Long-Term Debt
FHLB advances		$ 0	$ 0
Interest expense for FHLB borrowings		54,000	817,000	$ 2,399,000
FHLB Advances		0
Available line of credit commitments		877,100,000
Available line of credit based on collateral available		88,800,000
Interest expense, federal funds purchased		41,000	479,000	$ 303,000
Aggregate principal amount		75,000,000
Subordinated Debt
Other Borrowings and Long-Term Debt
Aggregate principal amount		$ 75,000,000	50,000,000
Debt instrument term		5 years
Floating rate 10 year capital securities, with interest paid semi-annually at an annual fixed rate of 6.25% until September 30, 2020 \| Subordinated Debt
Other Borrowings and Long-Term Debt
Aggregate principal amount			$ 50,000,000
Fixed rate of interest		6.25%	6.25%
Subordinated Note After September 30, 2020 Due September 2025 \| Subordinated Debt
Other Borrowings and Long-Term Debt
Aggregate principal amount					$ 50,000,000
Fixed rate of interest					6.25%
Subordinated Note After September 1, 2025 Due September 1, 2030 \| Subordinated Debt
Other Borrowings and Long-Term Debt
Aggregate principal amount	$ 75,000,000
Fixed rate of interest	5.50%
Basis spread on variable rate	536.30%
Debt instrument redemption price (as a percent)	100.00%
Federal Home Loan Bank of Atlanta
Other Borrowings and Long-Term Debt
Available line of credit based on collateral available		$ 256,700,000

Other Borrowings and Long Ter_4

Other Borrowings and Long Term Debt - Subordinated Debt (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Debt Instrument [Line Items]
Aggregate principal amount	$ 75,000
Subordinated debt, net	73,807	$ 49,873
Subordinated Debt
Debt Instrument [Line Items]
Aggregate principal amount	75,000	50,000
Less debt issuance costs	1,193	127
Subordinated debt, net	$ 73,807	$ 49,873
Debt instrument term	5 years
Subordinated Debt \| Floating rate 10 year capital securities, with interest paid semi-annually at an annual fixed rate of 5.50% until September 1, 2025
Debt Instrument [Line Items]
Annual fixed rate	5.50%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
After-Tax Amount
Beginning balance	$ 326,495	$ 323,653	$ 308,425
Other comprehensive income (loss), net of tax	9,946	14,866	(5,602)
Ending balance	338,586	326,495	323,653
Accumulated Other Comprehensive Income (Loss)
Pre-Tax Amount
Beginning balance	6,081	(13,743)	(6,274)
Ending balance	19,289	6,081	(13,743)
Income Tax (Expense) Benefit
Beginning balance	(1,520)	3,438	2,415
Reclassification of tax effects from AOCI			(844)
Ending balance	(4,782)	(1,520)	3,438
After-Tax Amount
Beginning balance	4,561	(10,305)	(3,859)
Reclassification of tax effects from AOCI			(844)
Ending balance	14,507	4,561	(10,305)
Accumulated Net Investment Gain (Loss) from Available-for-Sale Securities
Pre-Tax Amount
Unrealized net (losses) gains on investment securities available-for-sale	5,780	15,888	(8,070)
Reclassification adjustment for net realized (gains)/losses on investment securities available-for-sale	23	(907)	1,855
Income Tax (Expense) Benefit
Unrealized net (losses) gains on investment securities available-for-sale	(1,427)	(3,974)	2,018
Reclassification adjustment for net realized (gains)/losses on investment securities available-for-sale	(6)	227	(464)
After-Tax Amount
Unrealized net (losses) gains on investment securities available-for-sale	4,353	11,914	(6,052)
Reclassification adjustment for net realized (gains)/losses on investment securities available-for-sale	17	(680)	1,391
Derivatives
Pre-Tax Amount
Unrealized net (losses) gains on derivatives	7,405	4,843	(1,254)
Income Tax (Expense) Benefit
Unrealized net (losses) gains on derivatives	(1,829)	(1,211)	313
After-Tax Amount
Other comprehensive income (loss), net of tax	$ 5,576	$ 3,632	$ (941)

Earnings Per Common Share - Com

Earnings Per Common Share - Computation of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Earnings Per Common Share
Net income from continuing operations	$ 22,540	$ 28,158	$ 28,050
Net income from discontinued operations		21,697	482
Net income available to common shareholders	$ 22,540	$ 49,855	$ 28,532
Weighted average shares outstanding
Basic (in shares)	21,342,086	23,315,562	25,947,038
Effect of dilutive securities:
Stock options and performance share awards (in shares)	85,636	162,439	164,717
Diluted (in shares)	21,427,722	23,478,001	26,111,755
Net income per common share basic
Net income per common share - continuing operations	$ 1.06	$ 1.21	$ 1.08
Net income per common share - discontinued operations		0.93	0.02
Net income per common share basic	1.06	2.14	1.10
Net income per common share diluted
Net income per common share - continuing operations	1.05	1.20	1.07
Net income per common share - discontinued operations		0.92	0.02
Net income per common share diluted	$ 1.05	$ 2.12	$ 1.09

Earnings Per Common Share - Nar

Earnings Per Common Share - Narrative (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Mar. 31, 2020	Mar. 04, 2020	Dec. 31, 2017
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded (in shares)	0	150	2,124
Capital shares, authorized (in shares)	110,000,000
Preferred stock authorized (in shares)	10,000,000	10,000,000
Preferred stock outstanding (in shares)	0	0
Preferred stock par value	$ 0	$ 0
Common stock par value	$ 0	$ 0
Common stock authorized (in shares)	100,000,000	100,000,000
Common stock issued (in shares)	20,394,912	21,751,026
Common stock outstanding (in shares)	20,394,912	21,751,026
Dividends paid	$ 12.5	$ 45.5
Authorized amount under stock repurchase program				$ 85	$ 25
Authorized amount available under the stock repurchase program at commencement of the program					15
Amount of authorized stock repurchases under the stock repurchase program subject to regulatory approval					$ 10
stock options outstanding	214,890	318,980	442,454			757,711
Stock repurchased (in shares)	1,643,124
Stock repurchased program	$ 23.5
Buy Back Program
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock repurchased (in shares)	1,338,858
Stock repurchased program	$ 17.7

Income Taxes - Components of In

Income Taxes - Components of Income Tax Expense, Benefit (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Current income tax expense (benefit):
Federal	$ 4,276	$ (2,587)	$ 3,710
State	650	(183)	371
Total	4,926	(2,770)	4,081
Deferred income tax expense (benefit):
Federal	(80)	9,646	(1,798)
State	(233)	735	4,024
Total	(313)	10,381	2,226
Income Tax Expense (Benefit), Total	$ 4,613	$ 7,611	$ 6,307

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Effective Income Tax Rate Reconciliation, Amount [Abstract]
Tax expense (benefit) based on federal statutory rate	$ 5,702	$ 7,518	$ 7,215
State taxes, net of federal benefit	341	572	899
Income tax credits	(236)	(10)	(103)
Tax-exempt earnings	(1,434)	(822)	(717)
Excess benefit	100	4	(142)
Nondeductible expenses	65	135	116
Change in uncertain tax positions reserve	111	137	56
Change in valuation allowance	(16)	(111)	(996)
Other	(20)	188	(21)
Income Tax Expense (Benefit), Total	$ 4,613	$ 7,611	$ 6,307

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Net operating loss carryforward	$ 14,637	$ 15,743
Federal tax credits	5,342	5,342
Allowance for loan losses	7,692	4,545
Stock-based compensation	582	729
Other real estate owned	131	206
Transaction costs	72	152
Lease liability	3,613	4,158
Nonaccrual loan interest	418	509
Long term incentive plan		204
Other	2,697	2,197
Total gross deferred tax assets	35,184	33,785
Less: valuation allowance	(6,682)	(6,698)
Net deferred tax asset	28,502	27,087
Depreciation	2,338	626
Deferred loan costs	493	429
Right of use asset - leases	2,408	2,944
Net unrealized gains on investment securities availableforsale	2,220	796
Net unrealized gains on cash flow hedges	2,546	725
Other	141	301
Total gross deferred tax liabilities	10,146	5,821
Net deferred tax assets	$ 18,356	$ 21,266

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	12 Months Ended
Income Taxes - Narrative (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Statutory corporate tax rate	21.00%	21.00%	21.00%
Valuation allowance	$ 6,682,000	$ 6,698,000
Unrecognized tax benefits that would impact effective tax rate	468,000
Unrecognized tax benefits, interest on income taxes accrued	87,000	65,000
Income tax penalties and interest expense	23,000	$ 14,000	$ 11,000
General Business Tax Credit Carryforward
Tax Credit Carryforward [Line Items]
Tax credit carryforward, amount	5,300,000
Domestic Tax Authority
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	45,400,000
State and Local Jurisdiction
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards	$ 100,000,000

Income Taxes - Unrecognized Tax

Income Taxes - Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Balance at beginning of year	$ 452	$ 278
Additions based on tax positions related to the current year	203	174
Decreases due to lapsed statute of limitations	(63)	0
Balance at end of year	$ 592	$ 452

Employee and Director Benefit_3

Employee and Director Benefit Plans - Defined Contribution Plan (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Employee and Director Benefit Plans
Defined Contribution Plan, starting deferral rate by employee per the plan's auto enrollment feature, percent	1.00%
Defined Contribution Plan, maximum deferral rate by employee, percent	5.00%
Defined Contribution Plan, Company matching contribution, percent of match	100.00%
Defined Contribution Plan, Company matching contribution, percent of employees' eligible compensation	5.00%
Defined contribution plan, employer discretionary contribution amount	$ 1.1	$ 1.1	$ 1.1

Employee and Director Benefit_4

Employee and Director Benefit Plans - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Employee and Director Benefit Plans
Weighted average remaining contractual term (in years)	1 year 10 months 9 days	2 years 4 months 28 days	3 years 11 months 23 days
Options granted in period (in shares)		12,500	15,000
Fair value of vested option shares	$ 70,500	$ 208,000	$ 307,000
Automatic deferral escalation feature increase percentage	1.00%
Total incremental cost resulting from modifications		31,000	111,000
Stock options and warrants
Employee and Director Benefit Plans
Compensation expense	$ 59,000	169,000	242,000
Unrecognized compensation cost	$ 0	$ 59,000	$ 308,000
Weighted-average period of recognition	0 years	9 months 18 days	1 year 10 months 24 days
Options modified during period (in shares)			15,000
Restricted stock awards
Employee and Director Benefit Plans
Compensation expense	$ 1,800,000	$ 1,300,000	$ 1,500,000
Unrecognized compensation cost	$ 3,200,000	$ 2,200,000	$ 2,500,000
Weighted average remaining contractual term (in years)	2 years 1 month 6 days	2 years 1 month 6 days	2 years 4 months 24 days
Restricted stock awards granted (in shares)	278,855	158,593	139,507
Granted/modified (dollars per share)	$ 14.67	$ 19.19	$ 19.79
Options modified during period (in shares)		4,719	6,869
Restricted stock awards \| Minimum
Employee and Director Benefit Plans
Award vesting period	1 year
Restricted stock awards \| Maximum
Employee and Director Benefit Plans
Award vesting period	3 years
Employee Stock Option
Employee and Director Benefit Plans
Weighted average remaining contractual term (in years)	1 year 10 months 24 days
Options modified during period (in shares)	0	12,500	15,000
LTI Plan
Employee and Director Benefit Plans
Long-Term Incentive Plan bonus period (years)	1 year
Award vesting period	3 years	3 years	3 years
Compensation expense	$ 476,000	$ 765,000	$ 879,000
2015 Stock Incentive Plan
Employee and Director Benefit Plans
Award vesting period	3 years
Number of shares reserved for issuance	4,525,000
Additional awards available to be granted (in shares)	2,987,000
Expiration period	10 years

Employee and Director Benefit_5

Employee and Director Benefit Plans - Assumptions (Details)	12 Months Ended
Employee and Director Benefit Plans - Assumptions (Details)	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	2.27%	1.66%
Expected term in years		3 months
Expected stock price volatility	26.80%	24.20%
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected term in years	1 year 8 months 23 days
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected term in years	1 year 9 months 25 days

Employee and Director Benefit_6

Employee and Director Benefit Plans - Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Shares
Outstanding, Beginning of period (in shares)	318,980	442,454	757,711
Granted/modified (in shares)		12,500	15,000
Exercised (in shares)	(103,940)	(90,330)	(310,016)
Forfeited (in shares)		(38,500)	(19,935)
Expired (in shares)	(150)	(7,144)	(306)
Outstanding, End of period (in shares)	214,890	318,980	442,454
Exercisable (in shares)	214,890	308,980	396,454
Weighted Average Exercise Price
Outstanding, Beginning of period (dollars per share)	$ 11.47	$ 12.02	$ 12.66
Granted/modified (dollars per share)		10	14.64
Exercised (dollars per share)	10.48	12.76	13.21
Forfeited (dollars per share)		13.17	14.08
Expired (dollars per share)	75.91	17.79	105.97
Outstanding, End of period (dollars per share)	11.90	11.47	12.02
Exercisable (dollars per share)	$ 11.90	$ 11.36	$ 11.67
Weighted Average Remaining Contractual Term and Aggregate Intrinsic Value
Outstanding, Weighted average remaining contractual term (in years)	1 year 10 months 9 days	2 years 4 months 28 days	3 years 11 months 23 days
Exercisable, Weighted average remaining contractual term (in years)	1 year 10 months 9 days	2 years 3 months 18 days	3 years 7 months 17 days
Outstanding, Aggregate intrinsic value	$ 861	$ 2,203	$ 1,990
Exercisable, Aggregate intrinsic value	$ 861	$ 2,170	$ 1,919
Weighted average fair value of options and warrants granted (dollars per share)		$ 8.07	$ 2.79

Employee and Director Benefit_7

Employee and Director Benefit Plans - Restricted Stock Activity (Details) - Restricted stock awards - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Shares
Outstanding, Beginning of period (in shares)	292,877	272,695	239,468
Granted/modified (in shares)	278,855	158,593	139,507
Vested (in shares)	(118,340)	(70,748)	(73,686)
Forfeited (in shares)	(17,644)	(67,663)	(32,594)
Outstanding, End of period (in shares)	435,748	292,877	272,695
Weighted Average Grant-Date Fair Value
Outstanding, Beginning of period (dollars per share)	$ 19	$ 18.09	$ 15.69
Granted/modified (dollars per share)	14.67	19.19	19.79
Weighted average grant date fair value, vested (dollars per share)	17.38	16.51	14.51
Forfeited (dollars per share)	15.82	18.34	15.91
Outstanding, Ending of period (dollars per share)	$ 16.80	$ 19	$ 18.09
Options modified during period (in shares)		4,719	6,869

Derivatives and Hedging - Narra

Derivatives and Hedging - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Derivative [Line Items]
Notional Amount	$ 5,800	$ 7,700
Expected reclassification to loan interest income	1,700
Collateral posted	11,800	13,600
Derivatives not designated as hedging instruments under ASC 815 \| Other assets
Derivative [Line Items]
Notional Amount	102,751	119,325
Customer swap positions \| Derivatives designated as hedging instruments under ASC 815
Derivative [Line Items]
Notional Amount	137,100	149,100
Customer swap positions \| Derivatives not designated as hedging instruments under ASC 815
Derivative [Line Items]
Notional Amount	68,400	89,500
Customer swap positions \| Derivatives not designated as hedging instruments under ASC 815 \| Other assets
Derivative [Line Items]
Notional Amount	34,224	44,763
Cash Flow Hedging \| Derivatives designated as hedging instruments under ASC 815 \| LIBOR
Derivative [Line Items]
Notional Amount	125,000	175,000
Cash Flow Hedging \| Derivatives designated as hedging instruments under ASC 815 \| Other assets \| LIBOR
Derivative [Line Items]
Notional Amount	$ 125,000	$ 125,000

Derivatives and Hedging (Deriva

Derivatives and Hedging (Derivative Contracts and Credit Risk Participation Agreements) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Derivative [Line Items]
Notional Amount	$ 5,800	$ 7,700
Derivatives designated as hedging instruments under ASC 815 \| Customer swap positions
Derivative [Line Items]
Notional Amount	137,100	149,100
Derivatives designated as hedging instruments under ASC 815 \| Cash Flow Hedging \| LIBOR
Derivative [Line Items]
Notional Amount	125,000	175,000
Derivatives not designated as hedging instruments under ASC 815 \| Customer swap positions
Derivative [Line Items]
Notional Amount	68,400	89,500
Other assets \| Derivatives designated as hedging instruments under ASC 815 \| Cash Flow Hedging \| LIBOR
Derivative [Line Items]
Notional Amount	125,000	125,000
Fair Value	10,799	3,578
Other assets \| Derivatives not designated as hedging instruments under ASC 815
Derivative [Line Items]
Notional Amount	102,751	119,325
Fair Value	11,385	5,278
Other assets \| Derivatives not designated as hedging instruments under ASC 815 \| Customer swap positions
Derivative [Line Items]
Notional Amount	34,224	44,763
Fair Value	2,057	1,025
Other assets \| Derivatives not designated as hedging instruments under ASC 815 \| Zero premium collar
Derivative [Line Items]
Notional Amount	68,527	74,562
Fair Value	9,328	4,253
Other liabilities \| Derivatives designated as hedging instruments under ASC 815 \| Cash Flow Hedging \| LIBOR
Derivative [Line Items]
Notional Amount	0	50,000
Fair Value	0	8
Other liabilities \| Derivatives not designated as hedging instruments under ASC 815
Derivative [Line Items]
Notional Amount	108,533	126,982
Fair Value	11,496	5,639
Other liabilities \| Derivatives not designated as hedging instruments under ASC 815 \| Customer swap positions
Derivative [Line Items]
Notional Amount	34,224	44,763
Fair Value	2,087	1,090
Other liabilities \| Derivatives not designated as hedging instruments under ASC 815 \| Dealer offset to zero premium collar
Derivative [Line Items]
Notional Amount	68,527	74,562
Fair Value	9,398	4,545
Other liabilities \| Derivatives not designated as hedging instruments under ASC 815 \| Credit risk participation
Derivative [Line Items]
Notional Amount	5,782	7,657
Fair Value	$ 11	$ 4

Derivatives and Hedging (Impact

Derivatives and Hedging (Impact to Consolidated Statements of Income Related to Derivative Contracts) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Cash Flow Hedging \| Interest rate swaps
Derivative [Line Items]
Amount of Gain or (Loss) Recognized in OCI on Derivatives (Effective Portion)	$ 7,325	$ 4,487
Gain or (Loss) Reclassified from Accumulated OCI in Income (Effective Portion)	(1,892)	(356)
Derivatives not designated as hedging instruments under ASC 815
Derivative [Line Items]
Amount of Gain or (Loss) Recognized in OCI on Derivatives (Effective Portion)	257	(322)
Derivatives not designated as hedging instruments under ASC 815 \| Other income \| Interest rate products
Derivative [Line Items]
Amount of Gain or (Loss) Recognized in OCI on Derivatives (Effective Portion)	264	(321)
Derivatives not designated as hedging instruments under ASC 815 \| Other income \| Other contracts
Derivative [Line Items]
Amount of Gain or (Loss) Recognized in OCI on Derivatives (Effective Portion)	$ (7)	$ (1)

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier one	$ 292,890	$ 285,456
Common equity tier one weighted assets	11.90%	12.00%
Common equity tier one capital required for capital adequacy	$ 111,158	$ 106,740
Common equity tier one capital required for capital adequacy to risk weighted assets	4.50%	4.50%
Tier one risk based capital	$ 292,890	$ 285,456
Tier one risk based capital to risk weighted assets	11.9	12
Tier one risk based capital required for capital adequacy	$ 148,211	$ 142,320
Tier one risk based capital required for capital adequacy to risk weighted assets	6	6
Capital	$ 397,719	$ 354,757
Capital to risk weighted assets	16.1	15
Capital required for capital adequacy	$ 197,615	$ 189,760
Capital required for capital adequacy to risk weighted assets	8	8
Tier one leverage capital	$ 292,890	$ 285,456
Tier one leverage capital to average assets	8.9	11
Tier one leverage capital required for capital adequacy	$ 131,901	$ 103,596
Tier one leverage capital required for capital adequacy to average assets	4	4
Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier one	$ 349,779	$ 327,426
Common equity tier one weighted assets	14.20%	13.80%
Common equity tier one capital required for capital adequacy	$ 111,227	$ 106,698
Common equity tier one capital required for capital adequacy to risk weighted assets	4.50%	4.50%
Common equity tier one to be well capitalized	$ 160,661	$ 154,119
Common equity tier one capital risk weighted assets to be well capitalized	6.50%	6.50%
Tier one risk based capital	$ 349,779	$ 327,426
Tier one risk based capital to risk weighted assets	14.2	13.8
Tier one risk based capital required for capital adequacy	$ 148,302	$ 142,264
Tier one risk based capital required for capital adequacy to risk weighted assets	6	6
Tier one risk based capital required to be well capitalized	$ 197,736	$ 189,685
Tier one risk based capital required to be well capitalized to risk weighted assets	8	8
Capital	$ 380,725	$ 346,854
Capital to risk weighted assets	15.4	14.6
Capital required for capital adequacy	$ 197,736	$ 189,685
Capital required for capital adequacy to risk weighted assets	8	8
Capital required to be well capitalized	$ 247,170	$ 237,107
Capital required to be well capitalized to risk weighted assets	10	10
Tier one leverage capital	$ 349,779	$ 327,426
Tier one leverage capital to average assets	10.6	12.7
Tier one leverage capital required for capital adequacy	$ 131,536	$ 103,425
Tier one leverage capital required for capital adequacy to average assets	4	4
Tier one leverage capital required to be well capitalized	$ 164,420	$ 129,281
Tier one leverage capital required to be well capitalized to average assets	5	5

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($) $ in Thousands	12 Months Ended
Fair Value Measurements (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value Measurements
Fair value of assets from Level 1 to Level 2	$ 0	$ 0
Fair value assets from Level 2 to Level 1	0	0
Fair value liabilities from Level 1 to Level 2	0	0
Fair value liabilities from Level 2 to Level 1	0	0
Fair value of inputs from reconciliation of recurring assets	0	0
Fair value of inputs from reconciliation of recurring liabilities	$ 0	$ 0

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Measurements Recurring (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	$ 335,423	$ 282,461
Interest rate derivative assets	22,184	8,856
Interest rate derivative liabilities	11,496	5,647
Fair Value \| Fair value, measurements, recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	335,423	282,461
Interest rate derivative assets	22,184	8,856
Interest rate derivative liabilities	11,496	5,647
Fair Value \| Fair value, measurements, recurring \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Interest rate derivative assets	0	0
Interest rate derivative liabilities	0	0
Fair Value \| Fair value, measurements, recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	335,423	282,461
Interest rate derivative assets	22,184	8,856
Interest rate derivative liabilities	11,496	5,647
Fair Value \| Fair value, measurements, recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Interest rate derivative assets	0	0
Interest rate derivative liabilities	0	0
Fair Value \| U.S. states and political divisions \| Fair value, measurements, recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	81,019	82,485
Fair Value \| U.S. states and political divisions \| Fair value, measurements, recurring \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Fair Value \| U.S. states and political divisions \| Fair value, measurements, recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	81,019	82,485
Fair Value \| U.S. states and political divisions \| Fair value, measurements, recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Fair Value \| Trust preferred securities \| Fair value, measurements, recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	4,722	4,688
Fair Value \| Trust preferred securities \| Fair value, measurements, recurring \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Fair Value \| Trust preferred securities \| Fair value, measurements, recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	4,722	4,688
Fair Value \| Trust preferred securities \| Fair value, measurements, recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Fair Value \| Corporate debt securities \| Fair value, measurements, recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	19,821	19,920
Fair Value \| Corporate debt securities \| Fair value, measurements, recurring \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Fair Value \| Corporate debt securities \| Fair value, measurements, recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	19,821	19,920
Fair Value \| Corporate debt securities \| Fair value, measurements, recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0	0
Fair Value \| Residential mortgage-backed securities \| Fair value, measurements, recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	194,598
Fair Value \| Residential mortgage-backed securities \| Fair value, measurements, recurring \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0
Fair Value \| Residential mortgage-backed securities \| Fair value, measurements, recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	194,598
Fair Value \| Residential mortgage-backed securities \| Fair value, measurements, recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0
Fair Value \| Commercial mortgage-backed securities \| Fair value, measurements, recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	35,263
Fair Value \| Commercial mortgage-backed securities \| Fair value, measurements, recurring \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	0
Fair Value \| Commercial mortgage-backed securities \| Fair value, measurements, recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	35,263
Fair Value \| Commercial mortgage-backed securities \| Fair value, measurements, recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale	$ 0
Fair Value \| Mortgage-backed securities \| Fair value, measurements, recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale		175,368
Fair Value \| Mortgage-backed securities \| Fair value, measurements, recurring \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale		0
Fair Value \| Mortgage-backed securities \| Fair value, measurements, recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale		175,368
Fair Value \| Mortgage-backed securities \| Fair value, measurements, recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total securities available-for-sale		$ 0

Fair Value Measurements - Fai_2

Fair Value Measurements - Fair Value Measurements Nonrecurring (Details) - Impaired Loans - Fair Value - Fair value, measurements, nonrecurring - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets	$ 2,844	$ 4,288
Quoted Prices in Active Markets for Identical Securities (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets	$ 2,844	$ 4,288

Fair Value Measurements - Estim

Fair Value Measurements - Estimated Fair Value and Carrying Value Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financial assets
Cash and due from banks	$ 16,865	$ 45,249
Interest bearing deposits in banks	636,537	421,079
Total securities available-for-sale	335,423	282,461
Total securities held to maturity	200,170	116,972
Loans held for investment, net	2,217,218	1,854,989
Derivative assets	22,184	8,856
Financial liabilities
FHLB advances	0	0
Subordinated debt	73,807	49,873
Derivative financial instruments	11,496	5,647
Fair value, measurements, recurring \| Carrying Value
Financial assets
Cash and due from banks	16,865	45,249
Interest bearing deposits in banks	636,537	421,079
Total securities available-for-sale	335,423	282,461
Total securities held to maturity	200,156	116,972
FHLB stock	2,619	2,680
FRB stock	10,080	9,998
Loans held for investment, net	2,249,036	1,873,524
Loans held for sale		370
Derivative assets	22,184	8,856
Financial liabilities
Deposits	3,161,508	2,499,046
Subordinated debt	73,807	49,873
Derivative financial instruments	11,496	5,647
Fair value, measurements, recurring \| Fair Value
Financial assets
Total securities available-for-sale	335,423	282,461
Derivative assets	22,184	8,856
Financial liabilities
Derivative financial instruments	11,496	5,647
Fair value, measurements, recurring \| Fair Value \| Quoted Prices in Active Markets for Identical Securities (Level 1)
Financial assets
Cash and due from banks	16,865	45,249
Interest bearing deposits in banks	636,537	421,079
Total securities available-for-sale	0	0
Total securities held to maturity	0	0
FHLB stock	0	0
FRB stock	0	0
Loans held for investment, net	0	0
Loans held for sale		0
Derivative assets	0	0
Financial liabilities
Deposits	0	0
Subordinated debt	0	0
Derivative financial instruments	0	0
Fair value, measurements, recurring \| Fair Value \| Significant Other Observable Inputs (Level 2)
Financial assets
Cash and due from banks	0	0
Interest bearing deposits in banks	0	0
Total securities available-for-sale	335,423	282,461
Total securities held to maturity	214,584	115,291
FHLB stock	0	0
FRB stock	0	0
Loans held for investment, net	0	0
Loans held for sale		370
Derivative assets	22,184	8,856
Financial liabilities
Deposits	3,120,246	2,421,957
Subordinated debt	77,814	50,081
Derivative financial instruments	11,496	5,647
Fair value, measurements, recurring \| Fair Value \| Significant Unobservable Inputs (Level 3)
Financial assets
Cash and due from banks	0	0
Interest bearing deposits in banks	0	0
Total securities available-for-sale	0	0
Total securities held to maturity	0	0
FHLB stock	2,619	2,680
FRB stock	10,080	9,998
Loans held for investment, net	2,285,222	1,890,258
Loans held for sale		0
Derivative assets	0	0
Financial liabilities
Deposits	0	0
Subordinated debt	0	0
Derivative financial instruments	$ 0	$ 0

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loss Contingencies [Line Items]
Financial Instruments whose contract amount represents credit risk	$ 829,898	$ 743,958
Minimum lease payments	17,994	20,055
Private equity commitments	1,500	0
Commitments to extend credit
Loss Contingencies [Line Items]
Financial Instruments whose contract amount represents credit risk	813,757	735,905
Standby letters of credit
Loss Contingencies [Line Items]
Financial Instruments whose contract amount represents credit risk	16,141	8,053
SBIC Investments
Loss Contingencies [Line Items]
Commitments related to investments in SBICs	$ 2,000	$ 2,400
Letter of Credit
Loss Contingencies [Line Items]
Credit facility, expiration period (less than)	1 year

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	12 Months Ended
Revenue Recognition (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Disaggregation of Revenue [Line Items]
Retained Earnings (Accumulated Deficit)	$ 114,137	$ 91,669
Deposit account analysis fees and charges
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	4,214	2,630	$ 2,166
ATM fees
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	80	58	223
NSF fees
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	37	57	97
Wire fees
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	188	483	426
Foreign exchange fees
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	347	352	288
Other
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	5	7	15
Total service charges
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	4,871	4,114	5,137
Service charges - continuing operations
Disaggregation of Revenue [Line Items]
Revenue from contract with customer	$ 4,871	3,587	3,215
Service charges - discontinued operations
Disaggregation of Revenue [Line Items]
Revenue from contract with customer		$ 527	1,922
Personal trust and agency accounts
Disaggregation of Revenue [Line Items]
Revenue from contract with customer			615
Employee benefit and retirement-related trust and agency accounts
Disaggregation of Revenue [Line Items]
Revenue from contract with customer			120
Investment management and investment advisory agency accounts
Disaggregation of Revenue [Line Items]
Revenue from contract with customer			216
Custody and safekeeping accounts
Disaggregation of Revenue [Line Items]
Revenue from contract with customer			26
Other
Disaggregation of Revenue [Line Items]
Revenue from contract with customer			48
Total trust Income
Disaggregation of Revenue [Line Items]
Revenue from contract with customer			$ 1,025

Atlantic Capital Bancshares, _3

Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Other assets	$ 66,409	$ 49,516
Total assets	3,615,617	2,910,379
LIABILITIES AND SHAREHOLDERS' EQUITY
Long-term debt	73,807	49,873
Other liabilities	41,716	34,965
Total liabilities	3,277,031	2,583,884
Shareholders' equity:
Common stock	209,942	230,265
Retained earnings	114,137	91,669
Accumulated other comprehensive income	14,507	4,561
Total shareholders' equity	338,586	326,495	$ 323,653	$ 308,425
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	3,615,617	2,910,379
Parent Company
ASSETS
Cash	17,695	7,752
Investment in subsidiary	395,475	368,465
Other assets	735	938
Total assets	413,905	377,155
LIABILITIES AND SHAREHOLDERS' EQUITY
Long-term debt	73,807	49,873
Other liabilities	1,512	787
Total liabilities	75,319	50,660
Shareholders' equity:
Common stock	209,942	230,265
Retained earnings	114,137	91,669
Accumulated other comprehensive income	14,507	4,561
Total shareholders' equity	338,586	326,495
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 413,905	$ 377,155

Atlantic Capital Bancshares, _4

Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information - Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income:
Total interest income	$ 98,996	$ 105,847	$ 94,760
Expense:
Interest on long-term debt	4,108	3,295	3,304
INCOME FROM CONTINUING OPERATIONS BEFORE PROVISION FOR INCOME TAXES	27,153	35,769	34,357
Income tax benefit	4,613	7,611	6,307
NET INCOME	22,540	49,855	28,532
Parent Company
Income:
Dividends from bank	12,500	45,500	30,000
Interest income			381
Total interest income	12,500	45,500	30,381
Expense:
Interest on long-term debt	4,108	3,294	3,304
Other expense	1,190	1,231	1,134
Total expense	5,298	4,525	4,438
INCOME FROM CONTINUING OPERATIONS BEFORE PROVISION FOR INCOME TAXES	7,202	40,975	25,943
Income tax benefit	(1,372)	(1,217)	(1,091)
Loss before equity in undistributed (losses) earnings of subsidiary	8,574	42,192	27,034
Equity in undistributed earnings of subsidiary	13,966	7,663	1,498
NET INCOME	$ 22,540	$ 49,855	$ 28,532

Atlantic Capital Bancshares, _5

Atlantic Capital Bancshares, Inc. (Parent Company Only) Financial Information - Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
OPERATING ACTIVITIES
Net income	$ 22,540	$ 49,855	$ 28,532
Adjustments to reconcile net income to net cash (used in) operating activities:
Decrease (increase) in other assets	(11,786)	(2,385)	6,511
Net cash provided by operating activities	84,389	82,578	97,584
INVESTING ACTIVITIES
Net cash (used in) investing activities	(562,055)	(374,074)	(197,623)
FINANCING ACTIVITIES
Issuance of subordinated debt	75,000
Repayment of subordinated debt	(50,000)
Proceeds from exercise of stock options	815	1,153	4,096
Repurchase of common stock	(23,536)	(64,813)	(14,177)
Net cash provided by financing activities	664,740	489,432	38,417
NET CHANGE IN CASH AND CASH EQUIVALENTS	187,074	197,936	(61,622)
CASH AND CASH EQUIVALENTS - beginning of period	466,328	268,392	330,014
CASH AND CASH EQUIVALENTS - end of period	653,402	466,328	268,392
Parent Company
OPERATING ACTIVITIES
Net income	22,540	49,855	28,532
Adjustments to reconcile net income to net cash (used in) operating activities:
Equity in undistributed earnings of subsidiary	(26,466)	(53,163)	(31,498)
Decrease (increase) in other assets	(1,635)	(1,521)	(705)
(Decrease) increase in other liabilities	725	173	169
Net cash provided by operating activities	(4,836)	(4,656)	(3,502)
INVESTING ACTIVITIES
Net cash (used in) investing activities	0	0	0
FINANCING ACTIVITIES
Issuance of subordinated debt	75,000
Repayment of subordinated debt	(50,000)
Proceeds from exercise of stock options	815	1,154	4,096
Cash dividends received	12,500	45,500	30,000
Repurchase of common stock	(23,536)	(64,814)	(14,177)
Net cash provided by financing activities	14,779	(18,160)	19,919
NET CHANGE IN CASH AND CASH EQUIVALENTS	9,943	(22,816)	16,417
CASH AND CASH EQUIVALENTS - beginning of period	7,752	30,568	14,151
CASH AND CASH EQUIVALENTS - end of period	$ 17,695	$ 7,752	$ 30,568