Ameris Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 1018.4% in Q2 2026, from -$1.5M to -$16.5M. It was the largest change from Q1 2026 among the key lines here. Ameris Bank ranks 68th of 79 Georgia banks on CET1 ratio, in the lower half at 13.01% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; Ameris Bank reported 13.01% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.01% |
| Tier 1 risk-based capital ratio | 13.01% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 11.41% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.10B |
| Tier 1 capital | $3.10B |
| Total risk-based capital | $3.40B |
| Total equity capital | $4.07B |
| Risk-weighted assets | $23.80B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.31% |
| Tangible equity to tangible assets | 11.18% |
| Equity capital to average assets | 14.46% |
| Internal capital growth rate | 3.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $750K |
| Common stock surplus | $2.32B |
| Retained earnings | $1.76B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.81% | 11.81% | 13.41% | 10.51% | $21.79B |
| Q4 2023 | 12.09% | 12.09% | 13.69% | 10.69% | $21.50B |
| Q1 2024 | 12.30% | 12.30% | 13.90% | 11.00% | $21.68B |
| Q2 2024 | 12.71% | 12.71% | 14.31% | 11.11% | $21.77B |
| Q3 2024 | 13.02% | 13.02% | 14.61% | 11.14% | $21.72B |
| Q4 2024 | 13.15% | 13.15% | 14.75% | 11.17% | $21.56B |
| Q1 2025 | 13.54% | 13.54% | 15.14% | 11.58% | $21.51B |
| Q2 2025 | 13.34% | 13.34% | 14.59% | 11.42% | $21.98B |
| Q3 2025 | 13.43% | 13.43% | 14.69% | 11.59% | $22.34B |
| Q4 2025 | 13.43% | 13.43% | 14.69% | 11.67% | $22.85B |
| Q1 2026 | 13.15% | 13.15% | 14.40% | 11.52% | $23.28B |
| Q2 2026 | 13.01% | 13.01% | 14.27% | 11.41% | $23.80B |
Ameris Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameris Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ameris Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20504) · FFIEC NIC profile (RSSD 764030)