Ameris Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.27% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.27% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.01% +6.51 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $3.10B | 3,096,929 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.80B | 23,800,243 | RCOAA223 |
| Recomputed ratio | 13.01% | numerator / denominator | |
| Filed ratio | 13.01% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.51 pp | $1.55B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.01% +5.01 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $3.10B | 3,096,929 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.80B | 23,800,243 | RCOAA223 |
| Recomputed ratio | 13.01% | numerator / denominator | |
| Filed ratio | 13.01% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.01 pp | $1.19B | capital that could be lost first |
Total risk-based capital ratio 14.27% +4.27 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $3.40B | 3,395,850 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.80B | 23,800,243 | RCOAA223 |
| Recomputed ratio | 14.27% | numerator / denominator | |
| Filed ratio | 14.27% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.27 pp | $1.02B | capital that could be lost first |
Tier 1 leverage ratio 11.41% +6.41 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $3.10B | 3,096,929 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $27.13B | 27,134,277 | RCOAA224 |
| Recomputed ratio | 11.41% | numerator / denominator | |
| Filed ratio | 11.41% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.41 pp | $1.74B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 2,325,718 | 2,325,718 | 2,325,718 | 2,325,718 | 2,325,718 | 2,325,718 | RCOAP742 |
| Retained earnings | 1,757,995 | 1,724,812 | 1,736,139 | 1,670,789 | 1,604,926 | 1,588,325 | RCOAKW00 |
| Accumulated other comprehensive income | (16,508) | (1,476) | 8,312 | 5,171 | (6,886) | (14,430) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,067,205 | 4,049,054 | 4,070,169 | 4,001,678 | 3,923,758 | 3,899,613 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (970,276) | (987,628) | (1,000,276) | (1,000,996) | (991,714) | (987,139) | P859 - P840 |
| Common equity Tier 1 capital | 3,096,929 | 3,061,426 | 3,069,893 | 3,000,682 | 2,932,044 | 2,912,474 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 3,096,929 | 3,061,426 | 3,069,893 | 3,000,682 | 2,932,044 | 2,912,474 | RCOA8274 |
| Tier 2 capital | 298,921 | 292,474 | 287,057 | 280,623 | 276,054 | 344,302 | RCOA5311 |
| Allowance includable in Tier 2 capital | 298,921 | 292,474 | 287,057 | 280,623 | 276,054 | 270,302 | RCOA5310 |
| Total capital | 3,395,850 | 3,353,900 | 3,356,950 | 3,281,305 | 3,208,098 | 3,256,776 | RCOA3792 |
| Total risk-weighted assets | 23,800,243 | 23,284,159 | 22,850,482 | 22,338,602 | 21,983,755 | 21,513,586 | RCOAA223 |
| Average total assets for the leverage ratio | 27,134,277 | 26,573,136 | 26,301,242 | 25,889,265 | 25,677,814 | 25,156,780 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $1.20B | $26.0M | 2.17% | 0.11% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $2.69B | $387.7M | 14.43% | 1.62% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $4.81B | $2.56B | 53.22% | 10.70% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $17.4M | $26.2M | 150.00% | 0.11% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $35.3M | $51.4M | 145.64% | 0.21% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $17.80B | $17.49B | 98.28% | 73.15% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.23B | $1.46B | 118.80% | 6.09% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.89B | $1.88B | 99.82% | 7.88% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $17.3M | $17.3M | 100.00% | 0.07% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $12.5M | NA | 0.05% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $23.90B | ties to item 31 ($23.90B) |
|---|---|---|
| Risk-weighted assets before deductions | $23.91B | RCONB704 |
| Less: excess allowance for credit losses | $113.5M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $23.80B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.01% | 13.01% | 14.27% | 11.41% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 13.15% | 13.15% | 14.40% | 11.52% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.43% | 13.43% | 14.69% | 11.67% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.43% | 13.43% | 14.69% | 11.59% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.34% | 13.34% | 14.59% | 11.42% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 13.54% | 13.54% | 15.14% | 11.58% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 13.15% | 13.15% | 14.75% | 11.17% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.02% | 13.02% | 14.61% | 11.14% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 12.71% | 12.71% | 14.31% | 11.11% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 12.30% | 12.30% | 13.90% | 11.00% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 12.09% | 12.09% | 13.69% | 10.69% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 11.81% | 11.81% | 13.41% | 10.51% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Ameris Bank (this bank) | Risk-based | 13.01% | 13.01% | 14.27% | 11.41% | |
| Sallie Mae Bank | $28.54B | Risk-based | 11.78% | 11.78% | 13.09% | 10.17% |
| Arvest Bank | $28.05B | Risk-based | 11.45% | 11.45% | 12.48% | 9.11% |
| Axos Bank | $28.87B | Risk-based | 10.93% | 10.93% | 12.10% | 9.24% |
| United Community Bank | $28.99B | Risk-based | 12.09% | 12.09% | 12.93% | 9.52% |
| WesBanco Bank, Inc. | $27.75B | Risk-based | 12.24% | 12.24% | 13.28% | 10.25% |
| City National Bank of Florida | $29.11B | Risk-based | 14.65% | 14.65% | 15.75% | 11.38% |
| WaFd Bank | $27.58B | Risk-based | 12.95% | 12.95% | 14.14% | 9.21% |
| Renasant Bank | $26.99B | Risk-based | 12.41% | 12.41% | 13.67% | 10.72% |
| Charles Schwab Premier Bank, SSB | $26.58B | Risk-based | 49.32% | 49.32% | 49.32% | 10.90% |
| Peer 25th percentile | 11.78% | 11.78% | 12.93% | 9.24% | ||
| Peer median | 12.24% | 12.24% | 13.28% | 10.17% | ||
| Peer 75th percentile | 12.95% | 12.95% | 14.14% | 10.72% | ||
| This bank's percentile | 78 | 78 | 78 | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/764030/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.