Atlantic Capital Bancshares 8K Regulation FD Disclosure | ACBI 4 Nov 19

Exhibit 99.1

Investor Presentation | Q3 2019 atlanticcapitalbank.com NASDAQ TICKER: ACBI

2 This presentation contains forward-looking statements within the meaning of section 27A of the Securities Act of 1933, as amended, and section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “target,” “intend,” “plan,” “projection,” “would” and “outlook,” or the negative version of those words or other comparable of a future or forward-looking nature. These forward- looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. The following risks, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: the cost savings from our exit of the Tennessee and northwest Georgia markets may not be fully realized or may take longer to realize than expected; the funding impact from the loss of deposits following the sale of our Tennessee and northwest Georgia branches; our strategic decision to focus on the greater Atlanta market may not positively impact our financial condition in the expected timeframe, or at all; costs associated with our growth and hiring initiatives in the Atlanta market area; risks associated with increased geographic concentration, borrower concentration and concentration in commercial real estate and commercial and industrial loans resulting from our exit of the Tennessee and northwest Georgia markets and our strategic realignment; changes in asset quality and credit risk; the cost and availability of capital; customer acceptance of our products and services; customer borrowing, repayment, investment and deposit practices; the introduction, withdrawal, success and timing of business initiatives; the impact, extent, and timing of technological changes; severe catastrophic events in our geographic area; a weakening of the economies in which we conduct operations may adversely affect our operating results; the U.S. legal and regulatory framework could adversely affect the operating results of the company; the interest rate environment may compress margins and adversely affect net interest income; our ability to anticipate or respond to interest rate changes correctly and manage interest rate risk presented through unanticipated changes in our interest rate risk position and/or short- and long-term interest rates; changes in trade, monetary and fiscal policies of various governmental bodies and central banks could affect the economic environment in which we operate; our ability to determine accurate values of certain assets and liabilities; adverse developments in securities, public debt, and capital markets, including changes in market liquidity and volatility; unanticipated changes in our liquidity position, including but not limited to our ability to enter the financial markets to manage and respond to any changes to our liquidity position; the impact of the transition from LIBOR and our ability to adequately manage such transition; adequacy of our risk management program; increased competitive pressure due to consolidation in the financial services industry; risks related to security breaches, cybersecurity attacks and other significant disruptions in our information technology systems; the effect of changes in tax law, such as the effect of the Tax Cuts and Jobs Act that was enacted on December 22, 2017; and other risks and factors identified in our Annual Report on Form 10-K as filed with the Securities and Exchange Commission on March 14, 2019 in Part I, Item 1A under the heading “Risk Factors” and in Part II, Item 7 under the heading “Management’s Discussion and Analysis of Financial Condition and Results of Operations.” Forward-Looking Statements Disclaimer

3 Statements included in this annual report include non-GAAP financial measures and should be read along with the accompanying tables, which provide a reconciliation of non-GAAP financial measures to GAAP financial measures. Atlantic Capital management uses non-GAAP financial measures, including:(i) taxable equivalent net interest income, (ii) taxable equivalent net interest margin, and (iii) tangible book value per share. Management believes that non-GAAP financial measures provide a greater understanding of ongoing performance and operations, and enhance comparability with prior periods. Non-GAAP financial measures should not be considered as an alternative to any measure of performance or financial condition as determined in accordance with GAAP, and investors should consider Atlantic Capital’s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non- GAAP financial measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the results or financial condition as reported under GAAP. Non-GAAP financial measures may not be comparable to non-GAAP financial measures presented by other companies. Non-GAAP Financial Information

4 Our Company We are a team of talented, experienced and entrepreneurial bankers focused on serving clients that value high-touch relationships and deep expertise. Commercial & Not-for-Profit Enterprises Commercial Real Estate Developers Private Banking Atlanta’s Hometown Business Bank Payments & Fintech Companies SBA Lending Franchise Finance Specialty Businesses • Atlanta metro • Payments & fintech business • Proven underwriting; superior credit quality • Core deposit strength; treasury management experience • Tennessee and NW Georgia divestiture • Investing in Atlanta and specialty businesses Highlights Fundamentally Sound Focused Strategy Positioned for Growth

We Fuel Prosperity WE ARE A team of talented, experienced and entrepreneurial bankers WE SERVE Clients who value high-touch relationships and deep expertise WE WIN With creativity, expertise, teamwork, humility, and confidence

6 Atlanta’s Hometown Business Bank Of the top 10 largest U.S. metro areas, Atlanta has: • The second highest projected population growth (2020) • Lowest overall business cost index • 13 Fortune 500 headquarters (ranked #3) •#3 market for tech talent labor pool growth •#1 moving destination (for eight consecutive years) • 70% of all US payments are processed through Georgia Atlanta MSA GDP $200 $250 $300 $350 $400 2012 2013 2014 2015 2016 2017 Source: Metro Chamber, Fortune and KPMG

7 Q3 2019 Results Continuing Operations Diluted EPS Average non-interest bearing deposits Average deposits Q3 2018 Q3 2019 Change Tangible book value per share(1) $638 million $561 million $76 million $1.95 billion $1.65 billion $297 million $0.33 $0.27 $0.06 $13.91 $11.37 $2.54 Loans held for investment Efficiency Ratio 55.72% 55.09% 0.63% $1.84 billion $1.66 billion $173 million C&I and owner occupied loans $1.05 billion $878 million $173 million (1)Tangible book value per share is a non-GAAP financial measure. Please see “Non-GAAP Reconciliation” on slide 27 for more details. % Change 22% 10% 20% 14% 18% 22%

8 2019 Priorities Manage Capital Expand Atlanta Success Focus on Core Deposits • $71 million shares repurchased of $85 million repurchase program • Evaluate alternatives for excess capital Positioned for improved performance and shareholder value creation • Hire commercial and small business bankers • Open new offices • Take advantage of market disruption • Expand Payments and Fintech client segments • Leverage treasury management platforms in commercial, business banking and not-for-profit banking teams • Aggressively hire bankers in deposit rich verticals in Atlanta and nationally Divest Tennessee/ NW Georgia • Transaction closed in Q2 2019 • Recognize cost savings • Restructure balance sheet

Commercial Lending Focus Loans from Continuing Operations Yield $533 $688 $790 $944 $1,050 $590 $622 $605 $653 $658 $136 $61 $88 $103 $105 $82 $144 $36 $28 $23 $1,341 $1,519 Commercial 57% Residential 3% Mtg Warehouse 1% Construction & Land 8% Commercial Real Estate 28% Consumer & Other 3% Commercial CRE Other Mortgage Warehouse 3.46% 3.79% 4.27% 5.01% 5.47% $1,515 $1,728 Dollars in millions Commercial loans include commercial and industrial and owner occupied CRE loans. CRE loans include non-owner occupied and construction and land. Other loans include residential mortgages, home equity, consumer and other loans. Prior periods have been retrospectively adjusted for the impact of discontinued operations. $1,836 12/31/2015 12/31/2016 12/31/2017 12/31/2018 9/30/2019 Libor 51% Prime 12% Other 2% Fixed 35% 9

Superior Credit Quality Non-performing assets / Assets NCOs / Average Loans ACBI Peers • Historically strong credit quality • Collaborative approach between bankers and credit officers • Credit officers have credit approval authority • Disciplined portfolio management process to identify potential problems early Source: SNL Peers include publicly traded banks headquartered in the Southeast as defined by SNL with assets between $1 billion and $5 billion. 0.43% 0.36% 0.12% 0.40% 0.13% 0.14% 0.20% 0.29% 2012 2013 2014 2015 2016 2017 2018 Q3 2019 (0.32%) 0.02% (0.01%) 0.05% 0.11% 0.23% 0.02% 0.12% 2012 2013 2014 2015 2016 2017 2018 YTD 2019 10

Strong Core Deposit Franchise 11 Average Deposits from Continuing Operations Dollars in millions Deposit figures represent YTD average balances. Prior periods have been retrospectively adjusted for the impact of discontinued operations. 28% 28% 32% 33% 32% 60% 57% 57% 62% 63% 12% 15% 11% 5% 5% 2015 2016 2017 2018 YTD 2019 DDA Interest Bearing Brokered $1,540 $1,633 Deposit cost $1,199 $1,419 $1,852 0.28% 0.38% 0.52% 0.77% 1.12%

$19,394 $21,165 $20,524 $19,977 $20,088 3.48% 3.66% 3.74% 3.61% 3.52% Q3 2018 Q4 2018 Q1 2019 Q2 2019 Q3 2019 Net Interest Margin 12 Net interest income NIM by Year* NIM by Quarter* Net interest margin Dollars in thousands Income and margin from continuing operations *Net interest income and net interest margin are taxable equivalent and are non-GAAP financial measures. Net interest income is used in calculating net interest margin. Please see “Non-GAAP Reconciliation” on slide 27 for more details. $39,009 $54,203 $63,738 $76,642 2.76% 2.76% 3.07% 3.50% 2015 2016 2017 2018 Avg Fed Funds 0.26% 0.51% 1.10% 1.91% 2.01% 2.28% 2.50% 2.50% 2.30% • NIM benefited from increases in short-term interest rates during 2016-2018 • Q2 2019 NIM included the impact from the branch sale cash payment of $167 million • Q3 2019 NIM negatively impacted by the 50 bps decrease in fed funds rate

Disciplined Expense Management 13 Efficiency Ratio(1) Noninterest Expense 89.1% 76.3% 70.4% 57.9% 58.1% 2015 2016 2017 2018 YTD 2019 • Focus on expense management has driven lower efficiency ratio for continuing operations • 2019 expenses includes investments in: • Hiring additional bankers in Atlanta and specialty businesses • Opening new offices in Atlanta market (1) Continuing operations YTD 2019 YTD 2018 Salaries and employee benefits 26,037 24,193 1,844 7.6% Occupancy 2,050 2,317 (267) (11.5%) Equipment and software 2,334 2,034 300 14.7% Professional services 2,331 2,564 (233) (9.1%) Communications and data processing 2,133 1,904 229 12.0% Other noninterest expense 4,841 4,771 70 1.5% Noninterest expense - continuing operations 39,726 37,783 1,943 5.1% Change

Atlanta’s Hometown Business Bank 14 • Focusing efforts on core commercial and private banking markets • Atlantic Capital Exchange (“ACE”) platforms provide distinctive treasury services • Two branches and one loan production office in Atlanta • Total of 25 bankers Atlanta Commercial and Private Banking Loans Atlanta Commercial and Private Banking Deposits Atlanta Market Highlights Atlanta Loan and Deposit Composition – 9/30/2019 Loans QTD Average Deposits Commercial & Private Banking 87% Commercial & Private Banking 58% Proven business model focused on commercial clients and individuals that value high touch relationships and expertise Note: Commercial & Private Banking charts exclude real estate banking $408 $466 $506 $585 3.59% 3.72% 4.07% 4.72% 4.89% 2015 2016 2017 2018 9/30/2019 Loans Yield on Loans $470 $554 $654 $751 $831 0.18% 0.19% 0.21% 0.36% 0.66% 2015 2016 2017 2018 9/30/2019 Average Deposits Cost of Deposits $630 Real Estate Banking 42% $1,084MM $965MM Commercial & Private Banking 86% Real Estate Banking 14% Commercial & Private Banking 58% Dollars in millions

Growing Payments / Fintech Business 15 $599 $870 $1,187 $1,463 $1,072 $1,347 2015 2016 2017 2018 YTD 2018 YTD 2019 • Atlanta-based bankers focused on processing business with payments and fintech companies • Recognized as a Top 50 ACH Bank in the US by NACHA, the Electronic Payments Association; originated $56 billion in payments in 2018 • Atlantic Capital Bank is part of Atlanta’s “Payments Alley” $164 $185 $240 $246 $320 0.32 % 0.38 % 0.46 % 0.60 % 0.81 % 2015 2016 2017 2018 Q3 2019 Deposits Cost of Deposits Average Deposits (in millions) ACH Items Originated (in millions) Highlights Fee Income (in thousands) 14 18 22 28 20 28 2015 2016 2017 2018 YTD 2018 YTD 2019

September 29, 2019 16 Specialty Lending Businesses Franchise Lending • Small business lending focused on multi-unit operators across various industry verticals SBA Lending • Consistently ranked in top 3 for SBA 7(a) originations in Georgia and top 50 SBA lender nationally $49 $64 $74 $111 $141 2015 2016 2017 2018 9/30/2019 $9 $36 $84 $147 $179 2015 2016 2017 2018 9/30/2019 Franchise Loans SBA Loans Highlights SBA Income Commercial & Private Banking 87% CRE 13% Commercial & Private Banking 58% $58 $76 $82 $83 $73 $74 $2.9 $3.6 $4.1 $3.6 $3.2 $3.3 2015 2016 2017 2018 YTD 2018 YTD 2019 Loan Originations Noninterest Income Dollars in millions

September 29, 2019 17 822 957 1,121 1,164 3% 7% 11% 16% 4Q18 1Q19 2Q19 3Q19 # shares purchased (thousands) Cumulative % purchased Strong Capital Position • Focused on capital management and improving both return on equity and earnings per share • Excess capital will be deployed in a very thoughtful and disciplined manner • As of September 30, purchased $71 million of $85 million share repurchase program 14.1% 13.0% 13.2% 15.7% 15.2% 3Q18 4Q18 1Q19 2Q19 3Q19 Well capitalized (10%) 10.4% 10.3% 10.5% 13.4% 12.9% 3Q18 4Q18 1Q19 2Q19 3Q19 Share Repurchases Total Risk Based Capital Ratio (Bank) Highlights Tangible Common Equity Ratio CRE 13%

Achievable Operating Leverage 18 High single digit Loan Growth Mid-to-high 50s Efficiency Ratio Optimizing Financial Performance 2019 Targets Key Components • Invest in Specialty Businesses • Capital Management • Leverage Atlanta Success • Focus on Core Deposits

Appendix

Management Biographies 20 Douglas Williams President and Chief Executive Officer • President and CEO of Atlantic Capital since its inception • Former Managing Director and Head of Wachovia Corporation’s International Corporate Finance Group • Held numerous roles within Wachovia, including EVP and Head of the Global Corporate Banking Division; CRO for all corporate, institutional, and wholesale banking activities; EVP and Co-Head of Wachovia’s Capital Markets Division and EVP and Head of Wachovia’s US Corporate Banking Division • Former chairman of the Community Depository Institutions Advisory Council (CDIAC) of the Federal Reserve Bank of Atlanta and its representative to the CDIAC of the Federal Reserve Board of Governors • Serves on the Boards of the Metro Atlanta Chamber of Commerce and the Georgia Chamber of Commerce, is a Member of the Buckhead Coalition, and former member of YMCA of Metropolitan Atlanta and the High Museum of Art boards • CRO of Atlantic Capital since its inception through 2017 • Former Chief Credit Officer for Wachovia’s Capital Finance business • Former Head of Risk Management for all of Wachovia’s Capital Markets business • Serves on the Board of Trustees at Children’s Literature for Children • CFO of Atlantic Capital since NASDAQ listing in 2015 • Former CFO of Square 1 Financial, Inc. • Former EVP and CFO of Encore Bancshares, Inc. • Former SVP and Treasurer for Sterling Bancshares, Inc. • Chartered Financial Analyst • Senior Risk Management Officer at Atlantic Capital since inception • Former Director in Wachovia’s Risk Management Division supporting Corporate, Investment Banking and Capital Markets groups • Former Client Management and Risk Management Officer in Wachovia’s middle market commercial group in North Carolina Gray Fleming Executive Vice President, Chief Risk Officer • EVP at Atlantic Capital since inception • Former Managing Director and Group Head for Wachovia Securities’ Continental European Group • Member of TWIN (The World Innovation Network – Chicago), Fiserv’s Commercial Payments Advisory Board and an executive in residence at Juniata College in Pennsylvania Kurt Shreiner Executive Vice President, Head of Corporate Financial Services Patrick Oakes, CFA Executive Vice President, Chief Financial Officer Rich Oglesby Executive Vice President, General Banking Division Executive

Financial Highlights 21 Income(1) Balance Sheet(3) Capital Asset Quality METRICS Q2 2019 Q3 2019 Q3 2018 YTD 2019 YTD 2018 Performance Measures (1) On April 5, 2019, Atlantic Capital completed the sale to FirstBank of its Tennessee and northwest Georgia banking operations, including 14 branches and the mortgage business. The banking business and branches subsequently sold to FirstBank are reported as discontinued operations. Discontinued operations have been reported retrospectively for periods presented prior to December 31, 2018. Income in thousands. (2) Taxable equivalent. Please see “Non-GAAP Reconciliation” on slide 27 for more details. (3) Dollars in millions (4) Excludes effect of acquisition related intangibles. Please see “Non-GAAP Reconciliation” on slide 27 for more details. (5) Annualized (6) The second and third quarter 2019 ratios are calculated on a continuing operations basis. Prior period ratios have not been retrospectively adjusted for the impact of discontinued operations. Diluted EPS - continuing operations $ 0.33 $ 0.29 $ 0.27 $ 0.88 $ 0.79 Diluted EPS 0.36 1.21 0.25 1.78 0.75 Net income (loss) - continuing operations 7,569 7,009 6,998 21,018 20,567 Net income (loss) 8,186 29,152 6,513 42,715 19,702 Return on average assets 1.32 % 4.79 % 0.92 % 2.22 % 0.96 % Return on average equity 9.77 34.38 8.07 17.25 8.41 NIM - continuing operations (2) 3.52 3.61 3.48 3.66 3.46 Efficiency ratio - continuing operations 55.72 58.06 55.09 58.13 58.07 Total loans held for investment (period-end) $ 1,837 $ 1,790 $ 2,040 $ 1,837 $ 2,040 Average deposits - continuing operations 1,950 1,902 1,653 1,852 1,584 Tier 1 capital ratio 12.5 % 13.4 % 11.8 % 12.5 % 11.8 % Total risk-based capital ratio 15.5 16.5 14.7 15.5 14.7 TCE / TA 12.9 13.4 10.4 12.9 10.4 Tangible book value per share (4) $ 13.91 $ 13.60 $ 11.37 $ 13.91 $ 11.37 0.11 % 0.14 % 0.00 % 0.12 % 0.02 % NPAs to total assets 0.29 0.31 0.13 0.29 0.13 ALLL to loans held for investment (6) 0.98 1.02 1.00 0.98 1.00 Net charge offs to average loans (5)

Tennessee/NW Georgia Divestiture • Exited Tennessee and northwest Georgia market and mortgage business • Closed the sale of 14 branches to FirstBank on April 5, 2019 • Total loans(1): $385 million • Total deposits(1): $593 million Transaction Balance Sheet Impact(1) Projected Impact (1) assumes a March 31, 2019 basis • Clarifies strategic focus on Atlantic Capital’s high performing core and emerging commercial businesses in Atlanta and selected specialty businesses • Redirects investment of capital and other resources to these businesses • Results in immediate improvement in Atlantic Capital’s financial performance with minimal impact to net income • Enhances shareholder returns and EPS accretion by enabling significant share repurchase program • Produces immediate tangible book value accretion • Generates significant excess capital Clarifies Strategy Financially Compelling Accretive to Capital Results in a stronger company, with strategic clarity and an opportunity for meaningful value creation 22

Balance Sheet 23 September 30, June 30, December 31, September 30, (in thousands, except share data) 2019 2019 2018 2018 ASSETS Cash and due from banks $ 42,577 $ 24,206 $ 42,895 $ 28,007 Interest-bearing deposits in banks 27,167 52,932 216,040 140,682 Other short-term investments – – 9,457 20,898 Cash and cash equivalents 69,744 77,138 268,392 189,587 Securities available for sale 286,785 348,723 402,486 465,756 Securities held to maturity (fair value $42,740 at September 30, 2019) 42,863 – – – Other investments 31,360 31,912 29,236 33,021 Loans held for sale 916 – 5,889 1,886 Loans held for sale - discontinued operations(1) – – 373,030 375,976 Loans held for investment(1) 1,835,673 1,789,740 1,728,073 1,662,458 Less: allowance for loan losses(2) (18,080) (18,186) (17,851) (20,443) Loans held for investment, net 1,817,593 1,771,554 1,710,222 1,642,015 Premises held for sale - discontinued operations(1) – – 7,722 7,158 Premises and equipment, net(1) 19,688 20,037 9,779 10,213 Bank owned life insurance 66,047 65,874 65,149 64,769 Goodwill - discontinued operations(1) – – 4,555 4,555 Goodwill - continuing operations(1) 19,925 19,925 17,135 17,135 Other intangibles, net 3,112 3,095 4,388 4,867 Other real estate owned 278 971 874 968 Other assets 51,887 50,451 56,583 64,815 Total assets $ 2,410,198 $ 2,389,680 $ 2,955,440 $ 2,882,721 LIABILITIES AND SHAREHOLDERS' EQUITY Deposits: Noninterest-bearing demand(1) $ 599,657 $ 569,693 $ 602,252 $ 518,155 Interest-bearing checking(1) 240,427 309,709 252,490 407,214 Savings(1) 1,081 1,090 725 698 Money market(1) 921,133 802,973 987,183 759,583 Time(1) 30,782 33,902 10,623 10,396 Brokered deposits 61,192 134,164 99,241 79,119 Deposits to be assumed - discontinued operations(1) – – 585,429 604,659 Total deposits 1,854,272 1,851,531 2,537,943 2,379,824 Federal funds purchased 57,000 35,000 – Securities sold under agreements to repurchase - discontinued operations(1) – – 6,220 8,904 Federal Home Loan Bank borrowings 76,000 82,000 – 83,000 Long-term debt 49,831 49,789 49,704 49,662 Other liabilities 44,384 34,645 37,920 41,094 Total liabilities 2,081,487 2,052,965 2,631,787 2,562,484 SHAREHOLDERS' EQUITY Preferred stock, no par value; 10,000,000 shares authorized; no shares issued and outstanding as of September 30, 2019, June 30, 2019, December 31, 2018, and September 30, 2018 – – – – Common stock, no par value; 100,000,000 shares authorized; 22,193,761, 23,293,465, 25,290,419, and 26,103,666 shares issued and outstanding as of September 30, 2019, June 30, 2019, December 31, 2018, and September 30, 2018, respectively 237,687 256,791 291,771 305,300 Retained earnings 84,529 76,343 42,187 33,357 Accumulated other comprehensive (loss) income 6,495 3,581 (10,305) (18,420) Total shareholders’ equity 328,711 336,715 323,653 320,237 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 2,410,198 $ 2,389,680 $ 2,955,440 $ 2,882,721 (1)Assets and liabilities related to the sale of Tennessee and northwest Georgia banking operations were classified as held for sale as of December 31, 2018, and prior periods have been adjusted retrospectively. (2)The allowance for loan losses has not been adjusted retrospectively for discontinued operations in periods prior to December 31, 2018.

Period End Loans(1) 24 (dollars in thousands) September 30, 2019 June 30, 2019 March 31, 2019 December 31, 2018 September 30, 2018 Loans held for sale Loans held for sale $ 916 $ - $ 1,530 $ 5,889 $ 1,886 $ 916 $ (970) Loans held for sale - discontinued operations - - 384,779 373,030 375,976 - (375,976) Total loans held for sale $ 916 $ - $ 386,309 $ 378,919 $ 377,862 $ 916 $ (376,946) Loans held for investment Commercial loans: Commercial and industrial $ 697,412 $ 701,566 $ 679,489 $ 645,374 $ 581,737 $ (4,154) $ 115,675 Commercial real estate: Multifamily 60,398 43,907 43,929 88,826 108,001 16,491 (47,603) Owner occupied 352,842 313,310 304,945 298,291 295,801 39,532 57,041 Investment 452,285 409,629 394,087 407,711 409,145 42,656 43,140 Construction and land: - 1-4 family residential construction 5,186 3,696 2,067 1,006 – 1,490 5,186 Other construction, development, and land 139,991 195,260 171,818 155,226 147,114 (55,269) (7,123) Mortgage warehouse loans 23,256 10,665 22,267 27,967 27,838 12,591 (4,582) Total commercial loans 1,731,370 1,678,033 1,618,602 1,624,401 1,569,636 53,337 161,734 Residential: Residential mortgages 31,903 31,338 32,915 32,800 24,904 565 6,999 Home equity 25,638 24,303 23,171 22,822 33,410 1,335 (7,772) Total residential loans 57,541 55,641 56,086 55,622 58,314 1,900 (773) Consumer 27,168 34,618 35,203 25,851 26,825 (7,450) 343 Other 22,533 24,126 26,663 24,712 10,579 (1,593) 11,954 1,838,612 1,792,418 1,736,554 1,730,586 1,665,354 46,194 173,258 Less net deferred fees and other unearned income (2,939) (2,678) (1,997) (2,513) (2,896) (261) (43) Total loans held for investment $ 1,835,673 $ 1,789,740 $ 1,734,557 $ 1,728,073 $ 1,662,458 $ 45,933 $ 173,215 Total loans $ 1,836,589 $ 1,789,740 $ 2,120,866 $ 2,106,992 $ 2,040,320 $ 46,849 $ (203,731) Linked Quarter Change Year Over Year Change (1)Loans held for sale-discontinued operations and loans held for investment have been reported retrospectively for all periods prior to December 31, 2018.

Period End Deposits (dollars in thousands) September 30, 2019 June 30, 2019 March 31, 2019 December 31, 2018 September 30, 2018 Linked Quarter Change Year Over Year Change DDA $ 599,657 $ 569,693 $ 561,829 $ 602,252 $ 518,155 $ 29,964 $ 81,502 NOW 240,427 309,709 233,838 252,490 407,214 (69,282) (166,787) Savings 1,081 1,090 896 725 698 (9) 383 Money market 921,133 802,973 962,741 987,183 759,583 118,160 161,550 Time 30,782 33,902 22,069 10,623 10,396 (3,120) 20,386 Brokered 61,192 134,164 65,811 99,241 79,119 (72,972) (17,927) Total deposits - continuing operations 1,854,272 1,851,531 1,847,184 1,952,514 1,775,165 2,741 79,107 Deposits to be assumed - discontinued operations – – 593,264 585,429 604,659 - (604,659) Total deposits $ 1,854,272 $ 1,851,531 $ 2,440,448 $ 2,537,943 $ 2,379,824 $ 2,741 $ (525,552) Payments clients $ 286,373 $ 301,413 $ 361,192 $ 397,608 $ 258,320 $ (15,040) $ 28,053 Average Deposits Linked (dollars in thousands) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter Quarter Change DDA $ 637,809 $ 587,957 $ 575,453 $ 597,239 $ 561,355 $ 49,852 $ 76,454 NOW 295,106 314,601 276,212 280,449 314,759 (19,495) (19,653) Savings 1,085 956 884 712 616 129 469 Money market 895,102 859,680 847,254 798,017 697,578 35,422 197,524 Time 32,409 32,358 12,847 10,117 10,406 51 22,003 Brokered 88,146 106,524 81,141 93,558 67,937 (18,378) 20,209 Total deposits - continuing operations 1,949,657 1,902,076 1,793,791 1,780,092 1,652,651 47,581 297,006 Deposits to be assumed - discontinued operations - 45,350 593,313 600,769 601,421 (45,350) (601,421) Total deposits $ 1,949,657 $ 1,947,426 $ 2,387,104 $ 2,380,861 $ 2,254,072 $ 2,231 $ (304,415) Payments clients $ 289,526 $ 285,949 $ 295,059 $ 263,800 $ 227,029 $ 3,577 $ 62,497 Noninterest bearing deposits as a percentage of average deposits - continuing operations 32.7% 30.9% 32.1% 33.6% 34.0% Cost of deposits - continuing operations 1.06% 1.15% 1.09% 0.93% 0.76% 2019 Q3 2019 vs Q3 2018 2018 Deposits: Period End and Average 25

Income Statements(1) 26 (1)Discontinued operations have been reported retrospectively for all periods presented. (in thousands except share and per share data) September 30, 2019 June 30, 2019 March 31, 2019 December 31, 2018 September 30, 2018 September 30, 2019 September 30, 2018 Total interest income $ 26,520 $ 26,598 $ 26,197 $ 26,628 $ 24,017 $ 79,315 $ 68,132 Total interest expense 6,536 6,709 5,773 5,560 4,720 19,018 12,953 NET INTEREST INCOME BEFORE PROVISION FOR LOAN LOSSES 19,984 19,889 20,424 21,068 19,297 60,297 55,179 Provision for loan losses 413 698 814 502 845 1,925 1,444 NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 19,571 19,191 19,610 20,566 18,452 58,372 53,735 NONINTEREST INCOME Service charges 925 870 794 876 804 2,589 2,339 Gains (losses) on sale of securities 253 654 – (1,853) – 907 (2) Gains (losses) on sale of other assets 140 (10) (3) – 58 127 (154) Trust income – – – – – – 1,025 Derivatives income (293) (233) (111) 154 20 (637) 154 Bank owned life insurance 422 389 360 380 379 1,171 1,126 SBA lending activities 1,150 1,096 1,086 425 882 3,332 3,181 Gain on sale of trust company – – – – – – 1,681 Other noninterest income 172 175 210 182 112 557 533 Total noninterest income 2,769 2,941 2,336 164 2,255 8,046 9,883 NONINTEREST EXPENSE Salaries and employee benefits 8,295 8,529 9,213 7,573 7,332 26,037 24,193 Occupancy 722 689 639 655 732 2,050 2,317 Equipment and software 842 753 739 783 747 2,334 2,034 Professional services 764 792 775 947 796 2,331 2,564 Postage, printing and supplies 32 29 48 30 55 109 136 Communications and data processing 796 662 675 772 566 2,133 1,904 Marketing and business development 243 233 226 224 211 702 486 FDIC premiums (193) 175 235 157 154 217 405 Other noninterest expense 1,176 1,392 1,245 1,067 1,279 3,813 3,744 Total noninterest expense 12,677 13,254 13,795 12,208 11,872 39,726 37,783 INCOME FROM CONTINUING OPERATIONS BEFORE PROVISION FOR INCOME TAXES 9,663 8,878 8,151 8,522 8,835 26,692 25,835 Provision for income taxes 2,094 1,869 1,711 1,039 1,837 5,674 5,268 NET INCOME FROM CONTINUING OPERATIONS 7,569 7,009 6,440 7,483 6,998 21,018 20,567 DISCONTINUED OPERATIONS Income (loss) from discontinued operations $ – $ 30,107 $ (1,417) $ 1,796 $ (646) $ 28,690 $ (1,153) Provision (benefit) for income taxes (617) 7,964 (354) 449 (161) 6,993 (288) Net income (loss) from discontinued operations 617 22,143 (1,063) 1,347 (485) 21,697 (865) NET INCOME $ 8,186 $ 29,152 $ 5,377 $ 8,830 $ 6,513 $ 42,715 $ 19,702 Nine months ended Three months ended

Non-GAAP Financial Measures 27 (in thousands, except share and per share data) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter 2019 2018 Taxable equivalent net interest income reconciliation Net interest income - GAAP $ 19,984 $ 19,889 $ 20,424 $ 21,068 $ 19,297 $ 60,297 $ 55,179 Taxable equivalent adjustment 104 88 100 97 97 292 298 Net interest income - taxable equivalent $ 20,088 $ 19,977 $ 20,524 $ 21,165 $ 19,394 $ 60,589 $ 55,477 Taxable equivalent net interest margin reconciliation - continuing operations Net interest margin - GAAP - continuing operations 3.51% 3.60% 3.72% 3.64% 3.46% 3.64% 3.44% Impact of taxable equivalent adjustment 0.01% 0.01% 0.02% 0.02% 0.02% 0.02% 0.02% Net interest margin - taxable equivalent - continuing operations 3.52% 3.61% 3.74% 3.66% 3.48% 3.66% 3.46% Tangible book value per common share reconciliation Total shareholders’ equity $ 328,711 $ 336,715 $ 320,627 $ 323,653 $ 320,237 $ 328,711 $ 320,237 Intangible assets (19,925) (19,925) (22,848) (23,095) (23,367) (19,925) (23,367) Total tangible common equity $ 308,786 $ 316,790 $ 297,779 $ 300,558 $ 296,870 $ 308,786 $ 296,870 Common shares outstanding 22,193,761 23,293,465 24,466,964 25,290,419 26,103,666 22,193,761 26,103,666 Book value per common share - GAAP $ 14.81 $ 14.46 $ 13.10 $ 12.80 $ 12.27 $ 14.81 $ 12.27 Tangible book value 13.91 13.60 12.17 11.88 11.37 13.91 11.37 2019 2018 For the nine months ended September 30, (in thousands) 2018 2017 2016 2015 Net interest income reconciliation Net interest income - GAAP $ 76,247 $ 62,832 $ 53,719 $ 38,946 Taxable equivalent adjustment 395 906 484 63 Net interest income - taxable equivalent $ 76,642 $ 63,738 $ 54,203 $ 39,009 Taxable equivalent net interest margin reconciliation Net interest margin - GAAP - continuing operations 3.48% 3.03% 2.74% 2.75% Impact of taxable equivalent adjustment 0.02% 0.04% 0.02% 0.01% Net interest margin - taxable equivalent 3.50% 3.07% 2.76% 2.76% For the Years Ended December 31,

Financial Information from Discontinued Operations 28 Assets and Liabilities from Discontinued Operations (in thousands) Cash Loans held for sale - discontinued operations Premises held for sale - discontinued operations Goodwill - discontinued operations Other assets Total assets Deposits to be assumed - discontinued operations Securities sold under agreements to repurchase - discontinued operations Total liabilities Net liabilities June 30, 2019 – $ – $ September 30, 2019 – – – – $ – $ – – – – – – $ – $ 7,722 4,555 1,405 December 31, 2018 4,234 $ 373,030 – – $ – $ 591,649 $ (200,703) $ – $ 390,946 $ 585,429 $ 6,220 – – $ Components of Net Income (Loss) from Discontinued Operations (in thousands) Third Quarter Second Quarter First Quarter Fourth Quarter Third Quarter 2019 2018 Net interest income - $ (39) $ 3,125 $ 3,225 $ 3,266 $ 3,086 $ 10,915 $ Provision for loan losses - – – (3,097) – – – Net interest income after provision - (39) 3,125 6,322 3,266 3,086 10,915 Service charges - 46 481 483 474 527 1,439 Mortgage income - – 288 320 315 288 982 Gain on sale of branches - 34,475 – – – 34,475 – Other income - (22) 21 47 22 (1) 76 Total noninterest income - 34,499 790 850 811 35,289 2,497 Salaries and employee benefits - 330 2,427 2,757 2,820 2,757 8,957 Occupancy - 71 339 479 556 410 1,537 Equipment and software - 8 123 158 217 131 621 Amortization of intangibles - – 247 271 296 247 958 Communications and data processing - 197 389 440 381 586 1,089 Divestiture expense - 3,646 1,449 825 – 5,095 – Other noninterest expense - 101 358 446 453 459 1,403 Total noninterest expense - 4,353 5,332 5,376 4,723 9,685 14,565 Net income (loss) before provision for income taxes - 30,107 (1,417) 1,796 (646) 28,690 (1,153) Provision (benefit) for income taxes (617) 7,964 (354) 449 (161) 6,993 (288) Net income (loss) from discontinued operations 617 $ 22,143 $ (1,063) $ 1,347 $ (485) $ 21,697 $ (865) $ 2019 2018 For the nine months ended September 30,

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Atlantic Capital Bancshares (ACBI) 8-KRegulation FD Disclosure