Ameris Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ameris Bank of Atlanta, GA against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.83% | 1.39% | -0.56% | 15th bottom |
| ROAE | 5.73% | 12.28% | -6.55% | 9th bottom |
| Net Interest Margin | 3.92% | 3.81% | +0.11% | 74th above |
| Efficiency Ratio | 72.46% | 54.10% | +18.36% | 8th bottom |
| PPNR / Avg Assets | 1.20% | 2.05% | -0.85% | 16th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.61% | 5.71% | -0.10% | 68th above |
| Cost of Funds | 1.86% | 2.03% | -0.17% | 57th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.00% | 3.13% | -0.13% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.73% | 0.98% | -0.25% | 61st above |
| NPA / Total Assets | 0.59% | 0.72% | -0.13% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.20% | 0.33% | -0.13% | 36th below |
| ACL / Total Loans | 1.59% | 1.39% | +0.20% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 218.51% | 235.40% | -16.89% | 75th top |
| Texas Ratio | 5.16% | 8.90% | -3.74% | 60th above |
| Provision / NCO | 150.73% | 123.05% | +27.68% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.01% | 15.67% | -2.66% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.01% | 15.80% | -2.79% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.27% | 16.92% | -2.65% | 55th above |
| Leverage Ratio | 11.41% | 10.49% | +0.92% | 80th top |
| Equity / Assets | 14.31% | 11.69% | +2.62% | 86th top |
| TCE / Tangible Assets | 11.18% | 9.71% | +1.47% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.85% | 84.47% | +15.38% | 10th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.74% | 86.59% | +3.15% | 45th below |
| Uninsured Deposit Ratio | 45.56% | 36.77% | +8.79% | 32nd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.40% | 5.85% | -1.45% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.83% | 11.97% | -5.14% | 59th above |
| Loan Growth (Y/Y) | 4.98% | 11.41% | -6.43% | 47th below |
| Deposit Growth (Y/Y) | 2.63% | 11.40% | -8.77% | 36th below |
See Ameris Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ameris Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ameris Bank profile, how to read a UBPR, or how this data updates.