Ameris Bank
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Data as of · sourced from FFIEC call reports. How we update
Ameris Bank is an FDIC-insured commercial bank headquartered in Atlanta, GA, established in 1971 (FDIC certificate 20504), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $28.42B, up 6.8% from Q2 2025, the largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 13.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20504
- Headquarters
- Atlanta, GA
- Established
- 1971
- Total assets, Q2 2026
- $28.42B
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 13.01%
- Domestic offices
- 177 FDIC institution directory, current count
- Routing number
- 061201754
- Latest call report
- Q2 2026, FFIEC 041 · Ameris Bank call report
- Holding company
- AMERIS BANCORP
- Asset rank in state
- 1st of 121 in Georgia
Ameris Bank, based in Atlanta, Georgia, reported $28.4 billion in assets at June 30, 2026, up 6.8% from a year earlier. It returns 5.7% a year on shareholders' equity, about half the median of 11.1% for the 127 banks with $10 billion to $100 billion in assets. It also spends about 72 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Earnings fell sharply: quarterly net income of $58 million was 50% below a year earlier.
As of June 30, 2026, Ameris Bank reported a CET1 capital ratio of 13.01%, a return on assets of 0.83%, a nonperforming-loan ratio of 0.57% and a Texas ratio of 2.24%. The figures come from its call report filed with the FFIEC.
Ameris Bank ranks as the largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $28.42B, loans rose 1.5% and deposits were flat. Non-owner-occupied commercial real estate loans made up 23.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.2%. Judged on its Q2 2026 call report, Ameris Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3490 Piedmont Rd Ne, Atlanta, GA 30305
- County
- Fulton
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 1, 1971
- Former names
- American Banking Company (1972-2006)
- Domestic offices
- 177 FDIC institution directory, current count
- Employees (FTE)
- 2,650
- Domestic deposits
- $22.69B
- Allowance for credit losses
- $359.5M
- Net charge-offs (YTD)
- $22.4M
- Average total assets
- $28.12B
- Average total loans
- $22.35B
- Average interest-bearing deposits
- $15.73B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 1, 1971
- FDIC Cert
- 20504
- Fed RSSD
- 764030
- SEC CIK
- 351569 → filed by AMERIS BANCORP
- Website
- http://www.amerisbank.com →
- Parent Holding Company
- AMERIS BANCORP (RSSD 1082067) · ABCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Proctor H Palmer Jr | CEO | CEO |
| Lawton E Bassett Iii | PRES | Bank President |
| Nicole S Stokes | CFO | CFO |
| Douglas D Strange | CCO | Chief Credit Officer |
| Boggs David Mcleod | CRO | Chief Risk Officer |
| Ross L Creasy | CIO | Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Ameris Bank's total assets ranged from $25.11B (Q4 2023) to $28.42B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$28.42B total assets against $26.60B; $24.35B total liabilities against $22.68B.
$22.30B net loans and leases against $21.24B; $22.69B total deposits against $22.11B.
$2.67B securities against $2.05B; $1.20B cash and balances due against $1.17B.
$365.6M total interest income against $347.6M; $110.3M total interest expense against $111.7M.
$255.3M net interest income against $236.0M.
$66.0M total noninterest income against $68.9M; $236.6M total noninterest expense against $150.2M.
$17.3M provision for credit losses against $2.8M.
$58.2M net income against $116.6M.
0.83% return on assets against 1.75%; 3.92% net interest margin against 3.83%.
13.01% CET1 capital ratio against 13.34%; 11.41% tier 1 leverage ratio against 11.42%.
Inside the full Ameris Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Ameris Bank rankings
Its closest position to the top of a national ranking is 75 of 4,196, for total assets; its furthest is 2,906 of 3,606, for efficiency ratio.
Metric pages for Ameris Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q2 2026) to 1.75% (Q2 2025) and its net interest margin ran from 3.63% (Q3 2024) to 3.94% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.01% | 0.83% | 0.57% | 2.24% | 3.92% |
| Q1 2026 | 13.15% | 1.65% | 0.57% | 2.13% | 3.88% |
| Q4 2025 | 13.43% | 1.69% | 0.54% | 2.21% | 3.94% |
| Q3 2025 | 13.43% | 1.66% | 0.49% | 2.15% | 3.91% |
| Q2 2025 | 13.34% | 1.75% | 0.45% | 2.08% | 3.83% |
| Q1 2025 | 13.54% | 1.43% | 0.54% | 2.45% | 3.75% |
| Q4 2024 | 13.15% | 1.58% | 0.56% | 2.64% | 3.75% |
| Q3 2024 | 13.02% | 1.64% | 0.50% | 2.77% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 166 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ameris Bank (main office) | Atlanta , GA | 30305 | $2.73B |
| Albany Branch | Albany , GA | 31707 | $596.9M |
| Haben Branch | Palmetto , FL | 34221 | $585.8M |
| Hinesville Branch | Hinesville , GA | 31313 | $487.7M |
| Perimeter Center West Branch | Atlanta , GA | 30346 | $461.6M |
| Brunswick Branch | Brunswick , GA | 31520 | $417.2M |
| Moultrie Main Street Branch | Moultrie , GA | 31768 | $397.2M |
| Deerwood Park Branch | Jacksonville , FL | 32256 | $357.5M |
| Valdosta Branch | Valdosta , GA | 31602 | $351.5M |
| Panama City Beach Branch | Panama City Beach , FL | 32407 | $320.1M |
| Downtown Tifton Branch | Tifton , GA | 31794 | $309.3M |
| Windward Branch | Alpharetta , GA | 30004 | $259.6M |
| Columbia Branch | Columbia , SC | 29201 | $255.3M |
| Decatur Branch | Decatur , GA | 30030 | $250.9M |
| North St Augustine Branch | Saint Augustine , FL | 32084 | $250.6M |
| Church Street Branch | Cartersville , GA | 30120 | $243.7M |
| Saint Marys Branch | Saint Marys , GA | 31558 | $242.6M |
| Eastside Branch | Vidalia , GA | 30474 | $242.2M |
| Jackson Branch | Jackson , GA | 30233 | $240.1M |
| Sandy Springs Branch | Sandy Springs , GA | 30328 | $232.1M |
| Powers Ferry Branch | Atlanta , GA | 30339 | $222.3M |
| Mandarin Branch | Jacksonville , FL | 32223 | $215.8M |
| South Cobb Drive Branch | Marietta , GA | 30060 | $210.4M |
| Vineville Avenue Branch | Macon , GA | 31204 | $207.6M |
| Saint Augustine Beach Branch | Saint Augustine , FL | 32080 | $206.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Fidelity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2018 | Structure Change | Acquired Hamilton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 26, 2018 | Structure Change | Acquired Atlantic Coast Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 25, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2016 | Structure Change | Acquired The Jacksonville Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 23, 2015 | Structure Change | Acquired Merchants & Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 22, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2014 | Structure Change | Acquired The Coastal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 23, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 23, 2013 | Structure Change | Acquired Prosperity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 7, 2012 | Structure Change | Acquired Montgomery Bank & Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 6, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 25, 2012 | Structure Change | Acquired Central Bank of Georgia Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 24, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 16, 2011 | Structure Change | Acquired High Trust Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 15, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 13, 2010 | Structure Change | Acquired Tifton Banking Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 12, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 23, 2010 | Structure Change | Acquired First Bank of Jacksonville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 15, 2010 | Structure Change | Acquired Satilla Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 14, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 7, 2009 | Structure Change | Acquired United Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 6, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 24, 2009 | Structure Change | Acquired American United Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 2006 | Structure Change | Acquired Islands Community Bank, N. A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2006 | Structure Change | Acquired Bank of Thomas County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 2006 | Structure Change | Acquired Tri-County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2006 | Structure Change | Acquired Cairo Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 8, 2006 | Structure Change | Acquired Citizens Bank Wakulla Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 4, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 2006 | Structure Change | Acquired The First Bank of Brunswick Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2006 | Structure Change | Acquired Southland Bank b/b/a Ameris Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 6, 1979 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.3% of deposits in GA, rank 5 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 18,386 applications, 13,184 loans originated, $4.92B originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $16.7M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 110 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ameris Bank
What are Ameris Bank's total assets?
As of the Q2 2026 filing, Ameris Bank reported total assets of $28.42 billion in its FFIEC call report.
Where is Ameris Bank headquartered?
It is headquartered in Atlanta, GA, United States.
When was Ameris Bank founded?
It was established in 1971, per the FDIC institution directory.
Is Ameris Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20504). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ameris Bank?
Ameris Bank's primary federal regulator is the FDIC.
What is Ameris Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ameris Bank operate?
It operates 177 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ameris Bank's Texas Ratio?
Its Texas Ratio is 2.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Ameris Bank previously called?
The charter now named Ameris Bank has also operated as American Banking Company (1972-2006), per FDIC structure-change records.
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