Ameris Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 4.09 percentage points in Q2 2026, from 265.45% to 261.36%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Ameris Bank ranks 7th highest among the 122 banks headquartered in Georgia, at 99.85% (Q2 2026). Ameris Bank reported 99.85% on loan-to-deposit ratio for Q2 2026, 13.02 points above the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $22.66B |
| Net loans and leases | $22.30B |
| Loans held for sale | $482.2M |
| Loans to total assets | 79.74% |
| Loan-to-deposit ratio | 99.85% |
| Net loans to equity capital | 5.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.37% |
| Multifamily (5+ residential) | 8.87% |
| Commercial and industrial | 17.54% |
| Consumer | 0.73% |
| Credit cards | 0.00% |
| Farm | 0.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.83% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 261.36% |
| Construction concentration (Tier 1 capital + allowance) | 49.27% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $322.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $20.58B | $20.72B | 33.04% | 14.88% | 1.51% |
| Q4 2023 | $20.55B | $20.87B | 33.93% | 14.84% | 1.36% |
| Q1 2024 | $20.96B | $21.14B | 33.13% | 15.08% | 1.24% |
| Q2 2024 | $21.56B | $21.57B | 31.51% | 15.05% | 1.10% |
| Q3 2024 | $21.52B | $22.05B | 31.67% | 15.79% | 1.06% |
| Q4 2024 | $21.27B | $21.87B | 32.21% | 15.38% | 1.07% |
| Q1 2025 | $21.25B | $22.02B | 32.09% | 15.86% | 1.03% |
| Q2 2025 | $21.59B | $22.11B | 31.76% | 16.51% | 0.99% |
| Q3 2025 | $21.86B | $22.43B | 31.86% | 16.74% | 0.97% |
| Q4 2025 | $22.14B | $22.46B | 32.24% | 16.33% | 0.87% |
| Q1 2026 | $22.32B | $22.69B | 32.11% | 16.99% | 0.79% |
| Q2 2026 | $22.66B | $22.69B | 31.37% | 17.54% | 0.73% |
Ameris Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameris Bank, freeSource: Call Report Schedule RC-C, 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)