Atlantic Coast Bank is a federally chartered mutual thrift or savings association. Therefore the primary regulator is the Office of Thrift Supervision (OTS).  The bank was established on March 27, 1939.  Atlantic Coast Bank has been FDIC insured since November 1, 2000

As of June 31, 2009, Atlantic Coast Bank had a total of 175 full-time equivalent employees, total bank assets were $ 985,716,000.00, total bank deposits stood at $632,744,000.00 and the bank incurred a net operating loss of $ -6,841,000.00.

Atlantic Coast Bank most recent performance ratios.
As of June 31, 2009:

Yield on earning assets 5.48% 
Cost of funding earning assets 3.13% 
Net interest margin 2.35%
Noncurrent loans to loans 5.33%
Equity capital to assets 7.26% 
Core capital (leverage) ratio 6.24% 
Tier 1 risk-based capital ratio 10.07% 
Total risk-based capital ratio 11.13%

Atlantic Coast Bank products and services:

Atlantic Coast Bank is chartered by the federal government as a savings association primarily to accept savings and/or demand deposits from the general public, and to invest those savings in loans primarily for commercial, residential real estate, and consumer loans.  The bank offers a variety of checking accounts, savings accounts, individual retirement accounts, money market accounts, certificates of deposits, consumer loans, home equity loans, real estate mortgages for home purchases and refinances, investment products, business checking accounts, business savings accounts, commercial loans, and online banking.

Atlantic Coast Bank branch bank locations:

Waycross Main
505 Haines Avenue
Waycross, GA 31501
Phone: (912)283-4711
Toll-free: (800)342-2824

Memorial Drive
2110 Memorial Drive
Waycross, GA 31501
Phone: (912)283-4711
Toll-free: (800)342-2824

Douglas
1390 South Gaskin Avenue
Douglas, GA 31533
Phone: (912)283-4711
Toll-free: (800)342-2824

Garden City
213 Highway 80 West
Garden City, GA 31408
Phone: (912)964-4533
Toll-free: (800)342-2824

Deerwood
10328 Deerwood Park Boulevard
Jacksonville, FL 32256
Phone: (904) 998-5500
Toll-free: (800)342-2824

Jax Beach
1700 South 3rd Street
Jacksonville Beach, FL 32250
Phone: (904) 998-5500
Toll-free: (800)342-2824

Julington Creek
2766 Race Track Road
Jacksonville, FL 32259

Lake City
463 West Duval Street
Lake City, FL 32055
Phone: (386) 752-8850
Toll-free: (800)342-2824

Neptune Beach
1425 Atlantic Blvd
Neptune Beach, FL 32266
Phone: (904) 998-5500
Toll-free: (800)342-2824

Normandy
8048 Normandy Boulevard
Jacksonville, FL 32221
Phone: (904) 998-5500
Toll-free: (800)342-2824

Orange Park
1567 Kingsley Avenue
Orange Park, FL 32073
Phone: (904) 998-5500
Toll-free: (800)342-2824

University
930 North University Boulevard
Jacksonville, FL 32211
Phone (904) 998-5500
Toll-free: (800)342-2824

Atlantic Coast Bank web address: www.atlanticcoastbank.net

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