Atlantic American

As of 12/31/24, total assets were about 393 million dollars with debt of 37.8 million dollars; at 9/30/25, consolidated cash was roughly 34.4 million dollars and junior subordinated debentures plus revolver totaled about 37.8 million dollars (net debt near 3.3 million dollars).

Subsidiary statutory capital and surplus were disclosed at year‑end 2024 (life/health ~32 million dollars; P&C ~48 million dollars). A.M. Best ratings of A/A‑ underpin balance‑sheet confidence.

Offsetting: trust‑preferreds carry a floating SOFR spread (effective rate ~8.82% at 12/31/24), and 2024 noted a property‑casualty reserve development ratio outside the usual range. Overall, solvency is acceptable but not fortress‑like.