Ameris Bank

What sets Ameris Bank apart

How large is Ameris Bank?

The balance sheet of Ameris Bank at Q2 2026: assets $28.4 bn, deposits $22.7 bn, net loans $22.3 bn (loans equal to 98.26% of deposits). Securities make up 9.4% of total assets at Ameris Bank. Since Q1 2016, when Ameris Bank held $6.1 bn, its assets grew 364.8%. In the year to Q2 2026, deposits at Ameris Bank rose 2.6% while its total assets rose 6.8%. At Q2 2026, Ameris Bank employed 2,650 full-time equivalent staff across 177 offices, about $10.7 mn of assets per employee and $128.2 mn of deposits per office.

How much funding at Ameris Bank is uninsured?

At Ameris Bank, uninsured deposits (above the FDIC limit) made up 45.56% of domestic deposits at Q2 2026 (-0.35 pp on a year earlier); Ameris Bank ranks 130th of 500 on this measure. In dollars, Ameris Bank estimated $10.3 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Ameris Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Ameris Bank stood at 13.01% in Q2 2026, -0.33 pp year on year. Low and high at Ameris Bank since Q1 2016: 10.76% (Q4 2016) to 13.59% (Q3 2021). Equity capital of Ameris Bank at Q2 2026: $4.1 bn, or 14.3% of total assets. Ameris Bank also reported a total capital ratio of 14.27% for Q2 2026, and a tier 1 leverage ratio of 11.41%.

On held-to-maturity securities, Ameris Bank carried an unrealized loss of $15.2 mn at Q2 2026, equal to 0.4% of equity capital. The loss narrowed by $2.2 mn over the year. Its deepest point: $26.2 mn in Q3 2023. The available-for-sale portfolio of Ameris Bank showed an unrealized loss of $18.9 mn at Q2 2026; the loss widened by $12.8 mn over the year.

For the year to Q2 2026, Ameris Bank earned a return on equity of 8.46%; return on assets: 1.23%. Net interest margin at Ameris Bank: 3.94%, +0.09 pp in a year. Ameris Bank net income: $171.9 mn, down 18.3% year on year. The efficiency ratio of Ameris Bank was 59.99%: about 60 cents cost per revenue dollar, against 51 cents at the median peer.

At Q2 2026, noncurrent loans were 0.57% of total loans at Ameris Bank; net charge-offs: 0.20% of average loans. Gross loans and leases at Ameris Bank: $22.7 bn, up 5.0% in a year.

The peer group of Ameris Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of Ameris Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Georgia. Against them, Ameris Bank shows CET1 ratio 13.01% against a peer median of 11.93%, return on equity 8.46% against a peer median of 10.41% and uninsured deposit share 45.56% against a peer median of 29.44%.

The FDIC history of Ameris Bank, oldest first; figures before and after each event are not like for like.

1. 11 March 2016. Absorbed The Jacksonville Bank (FDIC certificate 34941).
2. 25 May 2018. Absorbed Atlantic Coast Bank (FDIC certificate 45826).
3. 29 June 2018. Absorbed Hamilton State Bank (FDIC certificate 57810).
4. 1 July 2019. Absorbed Fidelity Bank (FDIC certificate 21440).

Large one-quarter moves at Ameris Bank

• Total assets at Ameris Bank changed by +39.9% in the quarter to 2018-06-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Atlantic Coast Bank, Hamilton State Bank.
• Total assets at Ameris Bank changed by +49.7% in the quarter to 2019-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Fidelity Bank.