Ameris Bank
Total assets
$28.42B
▲ +6.8% YoY
Deposits
$22.69B
▲ +2.6% YoY
Loans
$22.30B
▲ +5.0% YoY
Offices
176
AMERIS BCORP
ROA (annualized)
1.23%
peers 1.23%
ROE (annualized)
8.46%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Ameris Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.9% | +1.0 pts |
| Deposit growth (YoY) | +2.6% | +5.7% | -3.1 pts |
| Loan growth (YoY) | +5.0% | +6.9% | -2.0 pts |
| ROA | 1.23% | 1.23% | -0.0 pts |
| ROE | 8.5% | 11.2% | -2.8 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
Profile
- Established
- 1971
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- AMERIS BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 3490 Piedmont Rd Ne, Atlanta, GA, 30305
- County
- Fulton
- Metro area
- Atlanta-Sandy Springs-Alpharetta, GA
- Offices
- 176
- FDIC cert #
- 20504
- RSSD ID
- 764030
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.42B | $22.69B | $22.30B | $4.07B | $171.9M | 1.23% | 3.94% | 0.47% |
| Q1 2026 | $28.02B | $22.69B | $21.97B | $4.05B | $113.7M | 1.64% | 3.90% | 0.46% |
| Q4 2025 | $27.43B | $22.46B | $21.79B | $4.07B | $437.6M | 1.64% | 3.91% | 0.44% |
| Q3 2025 | $27.01B | $22.43B | $21.52B | $4.00B | $322.3M | 1.62% | 3.88% | 0.41% |
| Q2 2025 | $26.60B | $22.11B | $21.24B | $3.92B | $210.4M | 1.59% | 3.85% | 0.37% |
| Q1 2025 | $26.43B | $22.02B | $20.91B | $3.90B | $93.8M | 1.43% | 3.78% | 0.44% |
| Q4 2024 | $26.18B | $21.87B | $20.93B | $3.79B | $392.1M | 1.51% | 3.71% | 0.47% |
| Q3 2024 | $26.31B | $22.05B | $21.18B | $3.80B | $288.2M | 1.49% | 3.66% | 0.45% |
Loan mix (Q2 2026): real estate $15.75B · commercial $3.97B · consumer $164.3M · securities $2.67B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Ameris Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.23% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.3% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.55% | 74th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 54.9% | 72th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Ameris Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Ameris Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Ameris Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Ameris Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Sallie Mae BankSalt Lake City, UT · $28.54B
- Arvest BankFayetteville, AR · $28.05B
- Axos BankSan Diego, CA · $28.87B
- United Community BankGreenville, SC · $28.99B
- WesBanco Bank, Inc.Wheeling, WV · $27.75B
- City National Bank of FloridaMiami, FL · $29.11B
Selling to Ameris Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.