美国大西洋 2025年度报告

FORM 11-K (Mark one) ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember 31, 2025OR ☐TRANSITION REPORT PURSUANT TO SECTION 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 0-3722 A.Full title of the plan and the address of the plan, if different from that of the issuer named below: Atlantic American Corporation401(k) Retirement Savings Plan Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: Atlantic American Corporation4370 Peachtree Rd., N.E.Atlanta, Georgia 30319 SIGNATURES THE PLAN. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer theemployee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized. June 25, 2026 ATLANTIC AMERICAN CORPORATION401(k) RETIREMENT SAVINGS PLAN The following exhibits are filed herewith: As of December 31, 2025 and 2024 and for the year ended December 31, 2025 together with Report of IndependentRegistered Public Accounting Firm Exhibit 1 ATLANTIC AMERICAN CORPORATION401(k) RETIREMENT SAVINGS PLAN FINANCIAL STATEMENTSANDSUPPLEMENTAL SCHEDULE As of December 31, 2025 and 2024 and For The Year Ended December 31, 2025togetherwithReport of Independent Registered Public Accounting Firm ATLANTIC AMERICAN CORPORATION401(k) RETIREMENT SAVINGS PLAN TABLE OF CONTENTS December 31, 2025 and 2024 Report of Independent Registered Public Accounting Firm1Statements of Net Assets Available for Benefits2Statement of Changes in Net Assets Available for Benefits3Notes to Financial Statements4Supplemental Schedule:Schedule H, Line 4i - Schedule of Assets (Held at End of Year)9 Table of Contents Report of Independent Registered Public Accounting Firm Administrative CommitteeAtlantic American Corporation 401(k) Retirement Savings Plan Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of Atlantic American Corporation 401k RetirementSavings Plan (the “Plan”) as of December 31, 2025 and 2024, the related statements of changes in net assets available for benefits forthe years then ended, and the related notes (collectively referred to as the “financial statements”). In our opinion, the financialstatements referred to above present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31,2025 and 2024, and the changes in net assets available for benefits for the years then ended in conformity with accounting principlesgenerally accepted in the United States of America. Basis of Opinion These financial statements are the responsibility of the Plan’s management. Our responsibility is to express an opinion on thesefinancial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (“PCAOB”) and arerequired to be independent with respect to the Plan in accordance with the U.S. federal securities laws and the applicable rules andregulations of the Securities and Exchange Commission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the auditsto obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part ofour audits, we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressingan opinion on the effectiveness of the Plan’s internal control over financial reporting. Accordingly, we express no such opinion. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due toerror or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidenceregarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles usedand significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believethat our audits provide a reasonable basis for our opinion. Report on Supplemental Information The supplemental information in the accompanying schedule of assets (held at end of year) and schedule of reportable transactions asof December 31, 2025 has been subjected to audit procedures performed in conjunction with the audit of the Plan’s financialstatements. The supplemental schedules are the responsibility of the Plan’s management. Our audit procedures included determiningwhether the supplemental schedules reconcile to the financial statements or the unde