Ameris Bancorp's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), Ameris Bancorp reported net income of $412.2M (+14.9% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and fees on loans | $1.3B | $1.3B | $1.2B | $835.0M |
| Interest on taxable securities | $87.3M | $61.5M | $59.0M | $34.7M |
| Interest on nontaxable securities | $1.4M | $1.3M | $1.3M | $1.2M |
| Interest on deposits in other banks | $40.4M | $49.9M | $47.9M | $23.0M |
| Total interest income | $1.4B | $1.4B | $1.3B | $893.9M |
| Interest on deposits | $424.2M | $484.7M | $356.0M | $56.1M |
| Interest on other borrowings | $33.4M | $44.4M | $89.4M | $36.8M |
| Total interest expense | $457.6M | $529.1M | $445.4M | $92.9M |
| Net interest income | $936.9M | $849.2M | $835.0M | $801.0M |
| Provision for loan losses | $47.4M | $69.8M | $153.5M | $52.6M |
| Provision for unfunded commitments | $22.8M | ($11.0M) | ($10.9M) | $19.2M |
| Provision for other credit losses | $6.0K | $0 | ($6.0K) | ($139.0K) |
| Provision for credit losses | $70.2M | $58.8M | $142.7M | $71.7M |
| Net interest income after provision for credit losses | $866.7M | $790.4M | $692.4M | $729.3M |
| Service charges on deposit accounts | $54.6M | $50.9M | $46.6M | $44.5M |
| Mortgage banking activity | $147.0M | $160.5M | $139.9M | $184.9M |
| Other service charges, commissions and fees | $4.5M | $4.8M | $4.4M | $3.9M |
| Net gain (loss) on securities | $1.6M | $12.3M | ($304.0K) | $203.0K |
| Equipment finance activity | $30.6M | $21.7M | — | — |
| Other noninterest income | $32.7M | $43.2M | $50.7M | $45.4M |
| Total noninterest income | $271.0M | $293.3M | $242.8M | $284.4M |
| Salaries and employee benefits | $348.9M | $347.6M | $320.1M | $319.7M |
| Occupancy and equipment | $44.9M | $48.8M | $51.5M | $51.4M |
| Advertising and marketing | $12.0M | $12.6M | $11.9M | $12.5M |
| Amortization of intangible assets | $15.9M | $17.2M | $18.2M | $19.7M |
| Data processing and communications expenses | $62.5M | $59.7M | $53.5M | $49.2M |
| Legal and other professional fees | $18.1M | $16.7M | $17.7M | $16.4M |
| Credit resolution-related expenses | $3.1M | $2.5M | $80.0K | $29.0K |
| FDIC insurance | $10.4M | $15.5M | $26.9M | $8.1M |
| Loan servicing expenses | $31.1M | $36.2M | $35.3M | $36.8M |
| Other noninterest expenses | $56.9M | $51.0M | $43.1M | $45.5M |
| Total noninterest expense | $604.0M | $607.8M | $578.3M | $560.7M |
| Income before income tax expense | $533.8M | $475.9M | $356.9M | $453.1M |
| Income tax expense | $121.6M | $117.2M | $87.8M | $106.6M |
| Net income | $412.2M | $358.7M | $269.1M | $346.5M |
| Basic earnings per common share (in dollars per share) | $6.02 | $5.21 | $3.90 | $5.01 |
| Diluted earnings per common share (in dollars per share) | $6.00 | $5.19 | $3.89 | $4.99 |
| Basic (in shares) | 68.4M | 68.8M | 69.0M | 69.2M |
| Diluted (in shares) | 68.7M | 69.1M | 69.1M | 69.4M |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Interest and fees on loans | $326.7M | $317.9M | $321.5M | $315.9M |
| Interest on taxable securities | $30.2M | $25.5M | $23.3M | $20.7M |
| Interest on nontaxable securities | $383.0K | $374.0K | $343.0K | $334.0K |
| Interest on deposits in other banks | $8.3M | $8.0M | — | — |
| Total interest income | $365.6M | $351.8M | $355.0M | $347.6M |
| Interest on deposits | $99.0M | $96.2M | $106.9M | $106.8M |
| Interest on other borrowings | $14.1M | $11.1M | $10.2M | $9.0M |
| Total interest expense | $113.1M | $107.3M | $117.1M | $115.8M |
| Net interest income | $252.5M | $244.4M | $238.0M | $231.8M |
| Provision for loan losses | $15.9M | $17.9M | $11.2M | $3.1M |
| Provision for unfunded commitments | $1.4M | ($1.3M) | $11.4M | ($335.0K) |
| Provision for other credit losses | ($1.0K) | ($6.0K) | $8.0K | ($3.0K) |
| Provision for credit losses | $17.3M | $16.6M | $22.6M | $2.8M |
| Net interest income after provision for credit losses | $235.2M | $227.9M | $215.3M | $229.0M |
| Service charges on deposit accounts | $14.0M | $13.7M | $13.9M | $13.5M |
| Mortgage banking activity | $32.5M | $37.0M | $40.7M | $39.2M |
| Other service charges, commissions and fees | $1.1M | $1.0M | $1.1M | $1.2M |
| Net gain on securities | $7.4M | $0 | $1.6M | $0 |
| Equipment finance activity | $8.9M | $9.1M | $8.9M | $6.6M |
| Other noninterest income | $9.6M | $9.1M | $10.1M | $8.5M |
| Total noninterest income | $73.5M | $69.9M | $76.3M | $68.9M |
| Salaries and employee benefits | $91.5M | $91.4M | $90.9M | $89.3M |
| Occupancy and equipment | $12.6M | $11.6M | $11.5M | $11.4M |
| Advertising and marketing | $3.5M | $3.3M | $3.4M | $3.7M |
| Amortization of intangible assets | $3.1M | $3.4M | $3.9M | $4.1M |
| Data processing and communications expenses | $15.6M | $16.8M | $16.1M | $15.4M |
| Legal and other professional fees | $6.9M | $5.0M | — | — |
| Credit resolution-related expenses | $798.0K | $509.0K | $770.0K | $657.0K |
| FDIC insurance | $3.3M | $2.9M | — | — |
| Loan servicing expense | $7.2M | $7.4M | $8.1M | $7.9M |
| Litigation accrual | $82.5M | — | — | — |
| Other noninterest expenses | $15.8M | $14.7M | $19.9M | $22.8M |
| Total noninterest expense | $242.7M | $157.1M | $154.6M | $155.3M |
| Income before income tax expense | $66.0M | $140.7M | $137.0M | $142.7M |
| Income tax expense | $14.6M | $30.2M | $31.0M | $32.9M |
| Net income | $51.4M | $110.5M | $106.0M | $109.8M |
| Net unrealized holding gains (losses) arising during period on debt securities available-for-sale, net of tax expense (benefit) of $(4,841), $2,392, $(8,015) and $7,612 | ($15.0M) | ($9.8M) | $12.1M | $7.5M |
| Reclassification adjustment for gains on debt securities included in earnings, net of tax expense of $15, $0, $15, and $0 | ($47.0K) | — | ($88.0K) | — |
| Total other comprehensive income (loss) | ($15.0M) | ($9.8M) | $12.1M | $7.5M |
| Comprehensive income | $36.4M | $100.7M | $118.1M | $117.4M |
| Basic earnings per common share (in dollars per share) | $0.77 | $1.64 | $1.55 | $1.60 |
| Diluted earnings per common share (in dollars per share) | $0.77 | $1.63 | $1.54 | $1.60 |
| Basic (in shares) | 66.9M | 67.5M | 68.4M | 68.6M |
| Diluted (in shares) | 67.1M | 67.8M | 68.7M | 68.8M |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks | $253.8M | $245.0M | $230.5M | $284.6M |
| Interest-bearing deposits in banks | $835.1M | $975.4M | $936.8M | $833.6M |
| Cash and cash equivalents | $1.1B | $1.2B | $1.2B | $1.1B |
| Debt securities available-for-sale, at fair value, net of allowance for credit losses of $75 and $69 | $2.2B | $1.7B | $1.4B | $1.5B |
| Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $0 and $0 (fair value of $189,873 and $144,028) | $203.2M | $164.7M | $141.5M | $134.9M |
| Other investments | $85.4M | $66.3M | $71.8M | $111.0M |
| Loans held for sale, at fair value | $623.2M | $528.6M | $281.3M | $392.1M |
| Loans, net of unearned income | $21.5B | $20.7B | $20.3B | $19.9B |
| Allowance for credit losses | ($348.1M) | ($338.1M) | ($307.1M) | ($205.7M) |
| Loans, net | $21.2B | $20.4B | $20.0B | $19.6B |
| Other real estate owned, net | $2.9M | $2.4M | $6.2M | $843.0K |
| Premises and equipment, net | $213.1M | $209.5M | $216.4M | $220.3M |
| Goodwill | $1.0B | $1.0B | $1.0B | $1.0B |
| Other intangible assets, net | $54.8M | $70.8M | $87.9M | $106.2M |
| Cash value of bank owned life insurance | $420.6M | $408.6M | $395.8M | $388.4M |
| Other assets | $435.5M | $502.1M | $454.6M | $416.2M |
| Total assets | $27.5B | $26.3B | $25.2B | $25.1B |
| Noninterest-bearing | $6.4B | $6.5B | $6.5B | $7.9B |
| Interest-bearing | $15.9B | $15.2B | $14.2B | $11.5B |
| Total deposits | $22.4B | $21.7B | $20.7B | $19.5B |
| Other borrowings | $558.0M | $291.8M | $509.6M | $1.9B |
| Subordinated deferrable interest debentures, net | $134.3M | $132.3M | $130.3M | $128.3M |
| Other liabilities | $371.5M | $364.0M | $428.5M | $389.1M |
| Total liabilities | $23.4B | $22.5B | $21.8B | $21.9B |
| Preferred stock, stated value $1,000; 5,000,000 shares authorized; 0 shares issued and outstanding | 0 | 0 | 0 | 0 |
| Common stock, par value $1; 200,000,000 shares authorized; 72,898,342 and 72,699,245 shares issued | 72.9M | 72.7M | 72.5M | 72.3M |
| Capital surplus | $2.0B | $2.0B | $1.9B | $1.9B |
| Retained earnings | $2.2B | $1.9B | $1.5B | $1.3B |
| Accumulated other comprehensive income (loss), net of tax | $8.3M | ($30.1M) | ($35.9M) | ($46.5M) |
| Treasury stock, at cost, 4,876,026 and 3,630,636 shares | -186.7M | -103.1M | -95.2M | — |
| Total shareholders’ equity | $4.1B | $3.8B | $3.4B | $3.2B |
| Total liabilities and shareholders’ equity | $27.5B | $26.3B | $25.2B | $25.1B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $237.4M | $235.1M | $216.9M | $249.7M |
| Interest-bearing deposits in banks | $959.7M | $1.1B | $826.2M | $920.6M |
| Cash and cash equivalents | $1.2B | $1.3B | $1.0B | $1.2B |
| Debt securities available-for-sale, at fair value, net of allowance for credit losses of $68 and $75 | $2.5B | $2.4B | $2.1B | $1.9B |
| Debt securities held-to-maturity, at amortized cost, net of allowance for credit losses of $0 and $0 (fair value of $192,993 and $189,873) | $208.2M | $202.6M | $202.6M | $176.5M |
| Other investments | $123.9M | $100.7M | $70.6M | $69.9M |
| Loans held for sale, at fair value | $482.2M | $496.6M | $604.1M | $544.1M |
| Loans, net of unearned income | $22.2B | $21.8B | $21.3B | $21.0B |
| Allowance for credit losses | ($359.5M) | ($354.7M) | ($345.3M) | ($341.6M) |
| Loans, net | $21.8B | $21.5B | $20.9B | $20.7B |
| Other real estate owned, net | $4.0M | $3.1M | $3.1M | $1.8M |
| Premises and equipment, net | $220.5M | $216.4M | $211.6M | $211.4M |
| Goodwill | $1.0B | $1.0B | $1.0B | $1.0B |
| Other intangible assets, net | $48.3M | $51.4M | $58.7M | $62.6M |
| Cash value of bank owned life insurance | $427.8M | $424.2M | $417.1M | $414.4M |
| Other assets | $482.2M | $443.3M | $428.4M | $442.3M |
| Total assets | $28.5B | $28.1B | $27.1B | $26.7B |
| Noninterest-bearing | $6.8B | $6.7B | $6.8B | $6.8B |
| Interest-bearing | $15.8B | $15.9B | $15.5B | $15.1B |
| Total deposits | $22.6B | $22.6B | $22.2B | $21.9B |
| Other borrowings | $1.3B | $888.0M | $337.1M | $376.7M |
| Subordinated deferrable interest debentures | $135.3M | $134.8M | $133.8M | $133.3M |
| Other liabilities | $425.3M | $368.3M | $384.2M | $319.8M |
| Total liabilities | $24.4B | $24.0B | $23.1B | $22.8B |
| Preferred stock, stated value $1,000; 5,000,000 shares authorized; 0 shares issued and outstanding | 0 | 0 | 0 | 0 |
| Common stock, par value $1; 200,000,000 shares authorized; 73,264,873 and 72,898,342 shares issued, respectively | 73.3M | 73.3M | 72.9M | 72.9M |
| Capital surplus | $2.0B | $2.0B | $2.0B | $2.0B |
| Retained earnings | $2.3B | $2.3B | $2.1B | $2.0B |
| Accumulated other comprehensive income (loss), net of tax | ($16.5M) | ($1.5M) | $5.2M | ($6.9M) |
| Treasury stock, at cost, 6,158,286 and 4,876,026 shares, respectively | -290.0M | -270.9M | -145.2M | -136.7M |
| Total shareholders’ equity | $4.1B | $4.1B | $4.0B | $3.9B |
| Total liabilities and shareholders’ equity | $28.5B | $28.1B | $27.1B | $26.7B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $412.2M | $358.7M | $269.1M | $346.5M |
| Depreciation, amortization and accretion, net | $29.7M | $36.8M | — | — |
| Net (gains) losses on sale or disposal of premises and equipment | $19.0K | $1.4M | ($1.7M) | $156.0K |
| Net write-downs on premises and equipment | $0 | ($121.0K) | — | — |
| Provision for credit losses | $70.2M | $58.8M | $142.7M | $71.7M |
| Net write-downs and (gains) losses on sale of other real estate owned | $171.0K | $532.0K | ($1.6M) | ($1.8M) |
| Share-based compensation expense | $12.7M | $13.4M | $9.9M | $6.7M |
| Amortization of operating lease right of use assets | $8.8M | $9.9M | $11.4M | $12.6M |
| Provision for deferred taxes | ($10.6M) | ($20.1M) | ($20.5M) | ($35.7M) |
| Net (gain) loss on securities | ($1.6M) | ($12.3M) | $304.0K | ($203.0K) |
| Loan servicing asset impairment | $910.0K | $0 | $0 | ($21.8M) |
| Originations of mortgage loans held for sale | ($4.3B) | ($4.4B) | ($3.6B) | ($3.9B) |
| Payments received on mortgage loans held for sale | $31.4M | $20.5M | $15.3M | $23.3M |
| Proceeds from sales of mortgage loans held for sale | $4.2B | $4.2B | $3.7B | $4.5B |
| Net (gains) losses on mortgage loans held for sale | ($53.2M) | ($41.3M) | $2.1M | $93.1M |
| Originations of SBA loans | ($28.6M) | ($28.8M) | ($27.4M) | ($46.5M) |
| Proceeds from sales of SBA loans | $30.4M | $33.0M | $30.5M | $57.2M |
| Net gains on sales of SBA loans | ($1.8M) | ($4.2M) | ($1.6M) | ($5.6M) |
| Increase in cash surrender value of bank owned life insurance | ($13.9M) | ($12.3M) | ($8.8M) | ($7.3M) |
| Gain on bank owned life insurance proceeds | ($621.0K) | ($1.5M) | ($486.0K) | ($55.0K) |
| Loss (gain) on sale of mortgage servicing rights | $660.0K | ($10.5M) | $0 | ($1.4M) |
| Loss (gain) on debt redemption | $437.0K | $890.0K | — | — |
| Increase in interest receivable | ($4.8M) | ($747.0K) | ($9.7M) | ($20.1M) |
| Increase (decrease) in interest payable | ($4.3M) | ($11.2M) | $26.9M | $6.2M |
| Increase (decrease) in taxes payable | ($20.2M) | $29.8M | $2.3M | $5.2M |
| Change attributable to other operating activities | $12.2M | ($25.5M) | $22.2M | ($5.0M) |
| Net cash provided by operating activities | $390.2M | $154.2M | $569.0M | $1.1B |
| Purchases of securities available-for-sale | ($1.0B) | ($693.4M) | ($30.5M) | ($1.2B) |
| Purchases of securities held-to-maturity | ($44.1M) | ($26.1M) | ($8.5M) | ($57.4M) |
| Proceeds from prepayments and maturities of securities available-for-sale | $493.0M | $434.7M | $142.1M | $186.8M |
| Proceeds from prepayments and maturities of securities held-to-maturity | $5.8M | $3.1M | $2.1M | $2.4M |
| Proceeds from sale of securities available-for-sale | $45.0M | $0 | $5.1M | — |
| Net (increase) decrease in other investments | ($19.4M) | $16.7M | $38.1M | ($64.0M) |
| Net increase in loans | ($837.0M) | ($610.5M) | ($485.5M) | ($3.3B) |
| Proceeds from sale of mortgage servicing rights | $23.7M | $82.3M | $0 | $119.8M |
| Purchases of premises and equipment | ($20.5M) | ($13.5M) | ($17.5M) | ($13.6M) |
| Proceeds from sale of premises and equipment | $172.0K | $250.0K | $3.9M | $46.0K |
| Proceeds from sales of other real estate owned | $7.5M | $14.6M | $10.7M | $5.1M |
| Purchase of bank owned life insurance | $0 | ($110.0M) | $0 | ($50.0M) |
| Proceeds from bank owned life insurance | $58.4M | $55.1M | $1.9M | $101.0K |
| Net cash used in investing activities | ($1.3B) | ($846.7M) | ($338.2M) | ($4.9B) |
| Net increase in deposits | $653.5M | $1.0B | $1.2B | ($202.8M) |
| Proceeds from other borrowings | $8.2B | $6.3B | $15.8B | $4.0B |
| Repayment of other borrowings | ($7.9B) | ($6.5B) | ($17.2B) | ($2.8B) |
| Proceeds from exercise of stock options | $0 | $0 | $476.0K | $2.8M |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $161.9M | $110.5M | $303.8M | $197.8M |
| Depreciation, amortization and accretion, net | $11.2M | $6.0M | $23.3M | $16.5M |
| Net gains on sale or disposal of premises and equipment | ($24.0K) | $0 | ($53.0K) | ($121.0K) |
| Provision for credit losses | $33.8M | $16.6M | $47.3M | $24.7M |
| Net write-downs and (gains) losses on sale of other real estate owned | ($52.0K) | ($125.0K) | $119.0K | ($46.0K) |
| Share-based compensation expense | $7.8M | $3.1M | $9.7M | $6.5M |
| Amortization of operating lease right of use assets | $4.5M | $2.2M | $6.8M | $4.6M |
| Provision for deferred taxes | ($19.1M) | $4.7M | ($8.9M) | ($3.1M) |
| Net gain on securities | ($7.4M) | $0 | ($1.6M) | ($40.0K) |
| Originations of mortgage loans held for sale | ($2.0B) | ($1.0B) | ($3.1B) | ($2.1B) |
| Payments received on mortgage loans held for sale | $15.5M | $9.1M | $23.4M | $14.2M |
| Proceeds from sales of mortgage loans held for sale | $2.1B | $1.2B | $3.1B | $2.1B |
| Net gains on mortgage loans held for sale | ($13.8M) | ($11.5M) | ($36.2M) | ($19.2M) |
| Originations of SBA loans held for sale | ($10.3M) | ($10.3M) | ($28.6M) | ($22.8M) |
| Proceeds from sales of SBA loans held for sale | $11.2M | $9.2M | $25.7M | $24.1M |
| Net gains on sale of SBA loans held for sale | ($826.0K) | ($828.0K) | ($1.8M) | ($1.4M) |
| Increase in cash surrender value of bank owned life insurance | ($7.4M) | ($3.6M) | ($10.2M) | ($6.8M) |
| Gain on bank owned life insurance proceeds | ($846.0K) | $0 | ($401.0K) | ($12.0K) |
| Gain on sale of mortgage servicing rights | $0 | $0 | ($467.0K) | ($342.0K) |
| Change attributable to other operating activities | $42.2M | ($7.4M) | ($11.6M) | ($40.0M) |
| Net cash provided by operating activities | $336.6M | $257.1M | $283.1M | $178.2M |
| Purchases of debt securities available-for-sale | ($523.0M) | ($194.3M) | ($811.6M) | ($475.3M) |
| Purchases of debt securities held-to-maturity | ($11.7M) | ($2.0M) | ($41.0M) | ($13.9M) |
| Proceeds from maturities and paydowns of debt securities available-for-sale | $154.6M | $37.8M | $378.2M | $307.6M |
| Proceeds from sales of debt securities available-for-sale | $86.2M | — | $45.0M | — |
| Proceeds from maturities and paydowns of debt securities held-to-maturity | $6.9M | $2.7M | $3.3M | $2.2M |
| Net increase in other investments | ($31.0M) | ($15.7M) | ($4.2M) | ($4.5M) |
| Net increase in loans | ($669.8M) | ($332.0M) | ($570.7M) | ($328.4M) |
| Purchases of premises and equipment | ($16.4M) | ($7.7M) | ($14.7M) | ($10.3M) |
| Proceeds from sale of premises and equipment | $39.0K | $0 | $172.0K | $150.0K |
| Proceeds from sales of other real estate owned | $1.8M | $1.4M | $6.8M | $3.5M |
| Proceeds from bank owned life insurance | $1.0M | $0 | $56.9M | $56.9M |
| Net cash used in investing activities | ($1.0B) | ($509.9M) | ($928.1M) | ($462.0M) |
| Net increase in deposits | $211.6M | $260.7M | $505.6M | $210.2M |
| Proceeds from other borrowings | $7.0B | $3.4B | $5.1B | $2.6B |
| Repayment of other borrowings | ($6.3B) | ($3.1B) | ($5.1B) | ($2.5B) |
| Dividends paid - common stock | ($27.4M) | ($14.0M) | ($41.6M) | ($27.9M) |
| Purchase of treasury shares | -103.2M | -83.6M | -42.1M | -33.6M |
| Net cash provided by financing activities | $772.9M | $493.1M | $467.8M | $233.6M |
| Net increase (decrease) in cash and cash equivalents | $108.2M | $240.4M | ($177.2M) | ($50.1M) |
| Cash and cash equivalents at beginning of period | $1.1B | $1.1B | $1.2B | $1.2B |
| Cash and cash equivalents at end of period | $1.2B | $1.3B | $1.0B | $1.2B |
| Interest | $213.8M | $107.7M | $347.0M | $228.9M |
| Income taxes | $78.9M | $447.0K | $120.4M | $98.6M |
| Loans transferred to other real estate owned | $2.8M | $1.6M | $7.6M | $2.9M |
Ameris Bancorp score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.