Ameris Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 21.22 percentage points in Q2 2026, from 239.73% to 218.51%. It was the largest change from Q1 2026 among the key lines here. Ameris Bank ranks 104th of 121 Georgia banks on return on assets, in the lower half at 0.83% (Q2 2026). Ameris Bank reported 0.83% on return on assets for Q2 2026, 0.47 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.01% |
| Tier 1 risk-based capital ratio | 13.01% |
| Total risk-based capital ratio | 14.27% |
| Tier 1 leverage ratio | 11.41% |
| Equity capital to assets | 14.31% |
| Tangible equity to tangible assets | 11.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 5.16% |
| Allowance for credit losses to loans | 1.59% |
| Reserve coverage of non-performing loans | 218.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 5.73% |
| Net interest margin | 3.92% |
| Efficiency ratio | 72.46% |
| Yield on earning assets | 5.61% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.85% |
| Core deposits to total deposits | 89.74% |
| Brokered deposits to total deposits | 6.80% |
| Deposits to assets | 79.86% |
| Securities to assets | 9.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.81% | 11.81% | 13.41% | 10.51% | 1.38% |
| Q4 2023 | 12.09% | 12.09% | 13.69% | 10.69% | 1.15% |
| Q1 2024 | 12.30% | 12.30% | 13.90% | 11.00% | 1.30% |
| Q2 2024 | 12.71% | 12.71% | 14.31% | 11.11% | 1.52% |
| Q3 2024 | 13.02% | 13.02% | 14.61% | 11.14% | 1.64% |
| Q4 2024 | 13.15% | 13.15% | 14.75% | 11.17% | 1.58% |
| Q1 2025 | 13.54% | 13.54% | 15.14% | 11.58% | 1.43% |
| Q2 2025 | 13.34% | 13.34% | 14.59% | 11.42% | 1.75% |
| Q3 2025 | 13.43% | 13.43% | 14.69% | 11.59% | 1.66% |
| Q4 2025 | 13.43% | 13.43% | 14.69% | 11.67% | 1.69% |
| Q1 2026 | 13.15% | 13.15% | 14.40% | 11.52% | 1.65% |
| Q2 2026 | 13.01% | 13.01% | 14.27% | 11.41% | 0.83% |
Ameris Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameris Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)