About Atlantic Coast Bank


Atlantic Coast Bank is the premier community bank in Northeast Florida and Southeast Georgia.

We operate from 11 Financial Service Centers as a federally chartered community bank with more than $700 million* in assets. Our parent company, Atlantic Coast Financial Corporation, is publicly traded on the NASDAQ (“ACFC”).

What makes us the “premier community bank?”

  • For both our Business Banking and Personal Banking Customers, our financial solutions are on scale with those of the biggest banks in the country.
  • We still provide the benefits of a local relationship for convenience, service, decision-making and delivery. We live, work and play where you do – and have been doing so for over 75 years.
  • We’re committed to long-term relationships with our customers, working with them one-on-one to respond to their unique banking needs and empowering them to meet their financial goals.
  • We offer broad and challenging professional growth opportunities for our employees, and strive to be the employer of choice.
  • We’re a responsible corporate neighbor in the areas we serve, with the Bank and our employees supporting local nonprofits and other community organizations.

We’ve come a long way from our 1939 start as a credit union in Waycross, Georgia. Today, with solid capitalization, an open and engaged leadership team and dedicated, caring employees, we’re ready for further success – for both ourselves and the customers we serve.

*$744M in assets as of 3/31/15 financial reporting.


Meet our Atlantic Coast Bank Leadership Team

StephensJohn K. Stephens
John K. Stephens, Jr. is President and CEO of Atlantic Coast Bank, joining the Bank in September of 2013. Prior to Atlantic Coast Bank, John was President and CEO of Tower Bridge Capital, Inc., a privately held mezzanine finance and advisory firm. Previously, he served as the commercial banking executive for the Fifth Third Bank’s central and north Florida markets. With more than 20 years of experience, he began his career at Wachovia Bank, rising to senior vice president and director of corporate banking. John has an MBA from the University of Notre Dame and completed his undergraduate studies at Wake Forest University and the University of South Carolina.


BuddenbohmPhillip S. Buddenbohm
Phillip S. Buddenbohm is the Executive Vice President, Chief Credit Officer for Atlantic Coast Bank, having joined the Bank in 2004. He is responsible for all credit functions including retail (Personal Banking), mortgage and commercial credit, loan servicing, collections and compliance. Phillip has more than 20 years of experience in various management capacities including credit card lending, residential mortgage and correspondent lending, retail and small business lending, and private banking. Phillip has an undergraduate degree in Finance from the University of Memphis.

Tracy L. KeeganTracyKeegan

Tracy L. Keegan is Executive Vice President, Chief Financial Officer of Atlantic Coast Bank, having joined the Bank in March of 2015. In her role, Tracy is responsible for Accounting, Finance, Treasury and various operational units, including Information Technology, within the Bank.  With more than 27 years’ experience, Tracy has held significant leadership roles driving strategic growth and developing organizational culture.  Among her many community service relationships, Ms. Keegan has served on the Board of Directors for Broward Partnership of SE Florida.  In addition, in 2014 Governor Rick Scott appointed Tracy to the Florida Board of Accountancy.  Ms. Keegan attended the University of Alabama in Huntsville Alabama and holds a Bachelor of Science degree in Accounting.


Teresa HaleHale
Teresa Hale is the Senior Vice President, Mortgage Division, joining the Bank in 2014. Prior to joining Atlantic Coast Bank, Teresa served as a Mortgage Senior Vice President for a national bank headquartered in Jacksonville. While there, Teresa launched a retail mortgage lending platform and led a team of experienced mortgage professionals to success when the mortgage industry’s future was uncertain. Teresa is a 25-year veteran of the mortgage industry, holds a bachelor’s degree in Business Administration from Mercer University and a master’s degree in Business Administration from Auburn University. Teresa serves on the Board of Governors for the Jacksonville Mortgage Bankers.

NMLS #649000

Kathryn Henthorn
scaled kathryn henthorn
Kathryn Henthorn is Senior Vice President, General Counsel and Corporate Secretary for Atlantic Coast Bank and Atlantic Coast Financial Corporation. Kathryn joined the bank in 2014. She is responsible for corporate governance, compliance, contracts, vendor management, litigation, and intellectual property. Kathryn has more than 17 years of diversified legal experience. She has a bachelor’s degree from Wheeling Jesuit University and a Juris doctorate degree from Capital University Law School.

Sheri JohnsonSheri Johnson
Sheri Johnson is the Senior Vice President of Retail for Atlantic Coast Bank, and has been with the bank since 1997. She is responsible for the retail sales division, which includes 11 financial service centers in Northeast Florida and Southeast Georgia.  Starting as an outbound calling specialist, Sheri has over 20 years of experience serving in various areas of the financial industry.


Joe LoschJoe Losch

Joe Losch is a Senior Vice President and Market President of Central Florida. Joe joined the bank in 2015 and is responsible for building the Business Banking presence in Central Florida. He has over thirty years of experience in the banking and finance industry and has held numerous leadership positions with large regional banks. Joe has a Bachelors in Business Management from Ottawa University and a masters in Business Administration from University of Florida.

Melanie TricheMelanie C. Triche

Melanie C. Triche is Senior Vice President, Corporate Development of Atlantic Coast Bank, joining the bank in July 2015.  Prior to Atlantic Coast Bank, she served as Senior Vice President of Corporate Development for a national bank headquartered in Jacksonville, FL.   With over 13 years’ experience, Melanie has extensive experience in mergers and acquisitions and in leading enterprise-wide strategic growth initiatives.   Melanie has a Bachelor’s Degree in Accounting from the University of North Florida.

D’Lynn UnderwoodUnderwood
D’Lynn Underwood is the Senior Vice President of Human Resources for Atlantic Coast Bank, joining the Bank in 2013. She is responsible for human resources policies, performance management, payroll, benefits and all related human resources issues. D’Lynn has been a human resources executive for several financial institutions, including Fifth Third Bank, Colonial Bank and AmSouth Bank, as well as serving in the benefits area for Walt Disney World and Universal Studios.







Atlantic Coast Bank routing number: 261271717

Lost or stolen cards
During business hours: Call 1-800-342-2824; option 5
After hours: Call 1-800-342-2824; option 3, then option 1

©2015 Atlantic Coast Bank