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About Atlantic Coast Bank

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

We operate from 10 Financial Service Centers as a state chartered community bank with more than $900 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.

*$920 MM in assets as of 6/30/16 financial reporting.


Meet our Atlantic Coast Bank Leadership Team

John K Stephens, CEOJohn 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.


Phillip Buddenbohm, EVPPhillip 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. KeeganTracy Keegan, CFO

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.


Matt Greene, SVP Commercial Matthew Greene
Matt Greene is Senior Vice President and Area Executive for North Florida and Georgia.  Matt joined the bank in 2015 and is responsible for managing and growing the commercial banking presence in these markets.  Matt has 30 years of banking experience and has held numerous bank leadership positions.   Matt received his undergraduate degree and MBA from University of Central Florida.  Matt serves as treasurer of San Jose Episcopal  Church and is active in the Episcopal Diocese of Florida. He serves as a member of the Finance and Common Ministry Budget Committees as well as the chair of the Real Estate Committee for the Diocese.

Sheri JohnsonSheri Johnson, SVP Retail

Sheri Johnson is Senior Vice President and Market Executive for Atlantic Coast Bank, and has been with the bank since 1997. She is responsible for leading our retail sales and operations division, commercial sales team, customer care department and investment program.  Sheri has over 20 years of banking experience serving in various areas of the financial industry.

Joe Losch, SVP Commercial Joe 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 Triche, SVP Corporate Development Melanie C. Simmerman

Melanie C. Simmerman 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.


Rebel Wilsonrebel wilson, SVP RIsk and Compliance
Rebel D. Wilson is the SVP of Risk and Compliance for Atlantic Coast Bank, joining the bank in March 2016.  Rebel is responsible for overseeing the company’s risk mitigation activities.  Prior to joining Atlantic Coast Bank, Rebel worked for organizations within multi-billion dollar holding companies, and more recently held the position of SVP Risk Management for a $500 million bank.  Rebel has over 20 years of banking experience, including responsibility for regulatory compliance, enterprise risk management, internal audit, mergers and acquisitions, and Sarbanes-Oxley compliance.  Rebel has a MBA from the University of Texas at Dallas and completed her undergraduate studies at Stephen F. Austin State University and the University of Texas at Dallas.  Rebel is a Certified Bank Auditor and has a Certification in Risk Management Assurance.





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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

©2017 Atlantic Coast Bank