AMERIS BANK

ATLANTA, GA | Regional | Est. Oct. 1, 1971, midnight | FDIC #20504 | RSSD #764030 | FDIC
Latest Report: 2025-12-31

AMERIS BANK is arn regional FDIC-insured commercial bank headquartered in ATLANTA, GA, established in Oct. 1, 1971, midnight. As of 2025-12-31, the bank reported total assets of $27.4B and total deposits of $22.5B. Profitability stands at 1.69% ROA and 11.43% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 13.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 2.53%. FDIC Certificate #20504.

Assets

$27.4B

Deposits

$22.5B

Loans

$22.1B

Equity

$4.1B

Profitability

Return on Assets (ROA) 1.69%
Return on Equity (ROE) 11.43%
Net Interest Margin (NIM) 3.96%
Yield on Assets 5.72%
Cost of Funds 2.87%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.17%
Texas Ratio 2.53%
NPA Ratio 0.41%
ACL / Loans 1.57%

Capital & Liquidity

CET1 Ratio 13.43%
Tier 1 Capital 13.43%
Total Capital Ratio 14.69%
Leverage Ratio 11.67%
Loan-to-Deposit 98.56%

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