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Atlantic American (NASDAQ: AAME) extends Truist deadline to Oct. 12, 2026

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

On July 31, 2026, Atlantic American Corporation entered into a Third Amendment to its Revolving Credit Agreement dated May 12, 2021 with Truist Bank as lender. The amendment extends to no later than October 12, 2026 the deadline to deliver key financial information to the lender.

By that date the company must provide its audited consolidated financial statements for the year ended December 31, 2025, its interim consolidated financial statements for the quarters ended March 31, 2026 and June 30, 2026, and related certificates regarding compliance with financial covenants and certain other matters. The full amendment is included as Exhibit 10.1.

Positive

  • None.

Negative

  • None.
Item 1.01 Entry into a Material Definitive Agreement Business
The company signed a significant contract such as a merger agreement, credit facility, or major partnership.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Credit Agreement date May 12, 2021 Original Revolving Credit Agreement date with Truist Bank
Third Amendment date July 31, 2026 Execution date of Third Amendment to Revolving Credit Agreement
Reporting deadline October 12, 2026 Latest date to deliver specified 2025–2026 financials and certificates to lender
Revolving Credit Agreement financial
"Third Amendment to its Revolving Credit Agreement dated as of May 12, 2021"
A revolving credit agreement is a flexible loan arrangement where a borrower can borrow, repay, and borrow again up to a set limit, similar to a credit card. It matters because it gives businesses or individuals quick access to funds whenever needed, helping manage cash flow and cover expenses without applying for a new loan each time.
audited consolidated financial statements financial
"the Company’s audited consolidated financial statements for the year ended December 31, 2025"
A set of financial reports that combine a parent company and all its subsidiaries into one overall picture, examined and verified by an independent auditor. Think of it as a household budget that merges every family member’s accounts and is then checked by a neutral accountant; it gives investors a single, trustworthy view of the group’s assets, debts, income and cash flow. That independent check matters because it reduces the chance of hidden problems and helps investors compare companies on a level playing field.
interim consolidated financial statements financial
"the Company’s interim consolidated financial statements for the quarters ended March 31, 2026"
Interim consolidated financial statements are financial reports prepared for a partial reporting period (such as a quarter) that combine the results of a parent company and all its subsidiaries into a single picture. They matter to investors because they provide a timely snapshot of group performance between annual reports—like checking a car’s dashboard mid-journey—to spot trends, cash flow issues, or changes in profitability before the year-end statements arrive.
financial covenants financial
"certificates of the Company’s compliance with financial covenants under the Credit Agreement"
Financial covenants are rules written into loan or bond agreements that require a company to keep certain financial measures within agreed limits—examples include minimum cash, maximum debt levels, or minimum profit margins. They act like guardrails for lenders: breaking a covenant can force renegotiation, trigger penalties or default, and quickly affect a company’s available cash and stock value, so investors watch them as early warning signs of financial stress.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What change did Atlantic American (AAME) make to its credit agreement with Truist Bank?
Atlantic American Corporation entered into a Third Amendment to its Revolving Credit Agreement with Truist Bank. The amendment extends to no later than October 12, 2026 the deadline to deliver specified 2025–2026 financial statements and related financial covenant compliance certificates to the lender.

Which financial statements must Atlantic American (AAME) provide by October 12, 2026?
By October 12, 2026, Atlantic American must deliver its audited consolidated financial statements for the year ended December 31, 2025 and interim consolidated financial statements for the quarters ended March 31, 2026 and June 30, 2026, plus related financial covenant compliance certificates.

When was Atlantic American’s Revolving Credit Agreement with Truist originally dated?
The Revolving Credit Agreement referenced in the amendment is dated May 12, 2021. The Third Amendment executed on July 31, 2026 modifies reporting deadlines under this existing credit facility between Atlantic American Corporation and Truist Bank.

What is Exhibit 10.1 in Atlantic American’s (AAME) recent disclosure?
Exhibit 10.1 is the full text of the Third Amendment to the Revolving Credit Agreement dated July 31, 2026 between Atlantic American Corporation and Truist Bank. It sets out the detailed terms of the extended reporting deadlines described in the summary.
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
Date of report (Date of earliest event reported)
August 5, 2026 (July 31, 2026)

ATLANTIC AMERICAN CORPORATION
(Exact name of registrant as specified in its charter)

Georgia
 0-3722
 58-1027114
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)

4370 Peachtree Road, N.E., Atlanta, Georgia
30319
(Address of principal executive offices)
(Zip Code)

Registrant’s telephone number, including area code
(404) 266-5500

N/A
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common Stock, par value $1.00 per share
 AAME
 The Nasdaq Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01.
Entry into a Material Definitive Agreement.

On July 31, 2026, Atlantic American Corporation (the “Company”) entered into a Third Amendment (the “Amendment”) to its Revolving Credit Agreement dated as of May 12, 2021 (as amended, the “Credit Agreement”) with Truist Bank as the lender (the “Lender”). The Amendment extends to no later than October 12, 2026 the date by which the Company must deliver to the Lender (i) the Company’s audited consolidated financial statements for the year ended December 31, 2025, (ii) the Company’s interim consolidated financial statements for the quarters ended March 31, 2026 and June 30, 2026, and (iii) related certificates of the Company’s compliance with financial covenants under the Credit Agreement and certain other matters.

The foregoing description of the Amendment does not purport to be complete and is qualified in its entirety by reference to the full text of the Amendment, a copy of which is attached hereto as Exhibit 10.1.

Item 9.01.
Financial Statements and Exhibits.

(d)
Exhibits.

Exhibit
Number
Description of Exhibit
10.1
Third Amendment to Revolving Credit Agreement, dated as of July 31, 2026, by and between Atlantic American Corporation and Truist Bank.
104
Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.
ATLANTIC AMERICAN CORPORATION




By:
/s/ Nickeesha Bates

 
Nickeesha Bates

 
Vice President, Corporate Controller, Corporate Accounting/Finance


 
Date:  August 5, 2026



Source: View Original Filing on SEC EDGAR

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