BanksAMERIS BANK

AMERIS BANK

ATLANTA, GARegionalEst. Oct. 1, 1971, midnightFDIC #20504RSSD #764030FDIC
Latest · 2025-12-31

AMERIS BANK is an 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%. CET1 capital ratio: 13.43%, well above regulatory minimums. NPL ratio: 0.49% · Texas Ratio: 2.53%. Operates 168 domestic branches.

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 Margin3.96%
Yield on Assets5.72%
Cost of Funds1.92%

Asset Quality

NPL Ratio0.49%
Net Charge-Off Ratio0.17%
Texas Ratio2.53%
NPA Ratio0.41%
ACL / Loans1.57%

Capital & Liquidity

CET1 Ratio13.43%
Tier 1 Capital13.43%
Total Capital Ratio14.69%
Leverage Ratio11.67%
Loan-to-Deposit98.56%

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