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
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Date of report (Date of earliest event reported)
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October 16, 2026 (October 9, 2026)
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ATLANTIC AMERICAN CORPORATION
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(Exact name of registrant as specified in its charter)
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Georgia
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0-3722
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58-1027114
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(State or other jurisdiction of incorporation)
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(Commission File Number)
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(IRS Employer Identification No.)
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4370 Peachtree Road, N.E., Atlanta, Georgia
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30319
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(Address of principal executive offices)
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(Zip Code)
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Registrant’s telephone number, including area code
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(404) 266-5500
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N/A
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(Former name or former address, if changed since last report)
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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:
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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
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☐
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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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☐
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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
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☐
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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
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Securities registered pursuant to Section 12(b) of the Act:
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Title of each class
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Trading
Symbol(s)
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Name of each exchange on which registered
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Common Stock, par value $1.00 per share
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AAME
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The Nasdaq Global Market
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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.
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Fourth Amendment to Credit Agreement
On October 9, 2026, Atlantic American Corporation (the “Company”) entered into a Fourth Amendment (the “Fourth 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 Fourth Amendment extended 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 to not later than October 15, 2026 and (ii) the Company’s interim consolidated financial statements for the quarters ended March 31, 2026, June 30, 2026 and September 30,
2026 to not later than November 30, 2026. In each case, the Fourth Amendment also extended the date by which the Company must deliver to the Lender related certificates of the Company’s compliance with financial covenants under the Credit Agreement
and certain other matters for the applicable period.
Fifth Amendment to Credit Agreement
On October 15, 2026, the Company and the Lender entered into a Fifth Amendment and Waiver (the “Fifth Amendment”) to the
Credit Agreement. The Fifth Amendment further extended to not later than October 23, 2026 the date by which the Company must deliver to the Lender the Company’s audited consolidated financial statements for the year ended December 31, 2025 and
related certificates of the Company’s compliance with financial covenants under the Credit Agreement and certain other matters. The Fifth Amendment also amended the minimum AM Best financial strength rating that must be maintained by the Company’s
subsidiary, American Southern Insurance Company, to be no lower than “A-” and waived related defaults under the Credit Agreement occurring prior to the Fifth Amendment.
The foregoing description of the Fourth Amendment and the Fifth Amendment does not purport to be complete and is qualified
in its entirety by reference to the full text of the Fourth Amendment and the Fifth Amendment, copies of which are attached hereto as Exhibit 10.1 and Exhibit 10.2, respectively.
| Item 9.01. |
Financial Statements and Exhibits.
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Exhibit
Number
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Description of Exhibit
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10.1
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Fourth Amendment to Revolving Credit Agreement, dated as of October 9, 2026, by and between Atlantic American Corporation and Truist Bank.
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10.2
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Fifth Amendment to Revolving Credit Agreement and Waiver, dated as of October 15, 2026, by and between Atlantic American Corporation and Truist Bank.
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104
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Cover Page Interactive Data File (embedded within the Inline XBRL document).
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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.
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ATLANTIC AMERICAN CORPORATION
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By:
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/s/ Nickeesha Bates
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Nickeesha Bates
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Vice President, Corporate Controller, Corporate Accounting/Finance
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Date: October 16, 2026
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