Ameris Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense rose 5.5% from Q1 2026 to Q2 2026, ending at $110.3M against $104.6M. It was the largest change among the key lines on this page. Ameris Bank ranks 94th of 121 Georgia banks on net interest margin, in the lower half at 3.92% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Ameris Bank sits 0.32 points higher, at 3.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.61% |
| Yield on loans | 5.81% |
| Yield on securities | 4.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $322.1M |
| Total interest expense | $110.3M |
| Interest expense on deposits | $99.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.67% | 2.17% | 3.67% | 5.87% | 3.40% |
| Q4 2023 | 5.73% | 2.26% | 3.66% | 5.90% | 3.41% |
| Q1 2024 | 5.70% | 2.29% | 3.59% | 5.90% | 3.24% |
| Q2 2024 | 5.83% | 2.38% | 3.66% | 5.99% | 3.90% |
| Q3 2024 | 5.86% | 2.43% | 3.63% | 6.05% | 3.67% |
| Q4 2024 | 5.71% | 2.16% | 3.75% | 5.91% | 3.61% |
| Q1 2025 | 5.53% | 1.96% | 3.75% | 5.76% | 3.69% |
| Q2 2025 | 5.64% | 1.99% | 3.83% | 5.85% | 3.95% |
| Q3 2025 | 5.73% | 2.01% | 3.91% | 5.93% | 4.16% |
| Q4 2025 | 5.68% | 1.92% | 3.94% | 5.90% | 4.22% |
| Q1 2026 | 5.51% | 1.80% | 3.88% | 5.74% | 4.09% |
| Q2 2026 | 5.61% | 1.86% | 3.92% | 5.81% | 4.50% |
Ameris Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameris Bank, freeSource: Call Report Schedules RI and RC-K, 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)