Ameris Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Ameris Bank is an FDIC-insured commercial bank, anchoring the Southeast banking market. Total assets stand at $28.4B. Profitability tracks the broader industry: ROA 0.83%, ROE 5.73%, NIM 3.92%. Capital cushions are healthy: 13.01% CET1, 11.41% Tier 1 leverage. Asset quality is solid, 0.73% nonperforming loans and a 5.16% Texas Ratio. Ameris runs a 176-branch network across multiple states.
As of June 30, 2026, Ameris Bank reported a CET1 capital ratio of 13.01%, a return on assets of 0.83%, a nonperforming-loan ratio of 0.73%, a Texas ratio of 5.16%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3490 Piedmont Rd Ne, Atlanta, GA 30305
- County
- Fulton
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 1, 1971
- Former names
- American Banking Company (1972-2006)
- Offices
- 176 domestic
- Employees (FTE)
- 2,650
- Domestic deposits
- $22.69B
- Allowance for credit losses
- $359.5M
- Net charge-offs (YTD)
- $22.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 1, 1971
- FDIC Cert
- 20504
- Fed RSSD
- 764030
- SEC CIK
- 351569 → filed by AMERIS BANCORP
- Website
- http://www.amerisbank.com →
- Parent Holding Company
- AMERIS BANCORP (RSSD 1082067) · ABCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Proctor H Palmer Jr | CEO | CEO |
| Stokes Nicole S | CFO | CFO |
| Bassett Lawton E Iii | PRES | Bank President |
| Strange Douglas D | CCO | Chief Credit Officer |
| Boggs David Mcleod | CRO | Chief Risk Officer |
| Creasy Ross L | CIO | Chief Information Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ameris Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ameris Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Ameris Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Ameris Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.01% | 0.83% | 0.73% | 5.16% | 3.92% |
| Q1 2026 | 13.15% | 1.65% | 0.66% | 4.69% | 3.88% |
| Q4 2025 | 13.43% | 1.69% | 0.61% | 4.34% | 3.94% |
| Q3 2025 | 13.43% | 1.66% | 0.55% | 3.98% | 3.91% |
| Q2 2025 | 13.34% | 1.75% | 0.55% | 3.96% | 3.83% |
| Q1 2025 | 13.54% | 1.43% | 0.60% | 4.45% | 3.75% |
| Q4 2024 | 13.15% | 1.58% | 0.54% | 4.37% | 3.75% |
| Q3 2024 | 13.02% | 1.64% | 0.52% | 4.27% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 166 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ameris Bank (main office) | Atlanta , GA | 30305 | $2.73B |
| Albany Branch | Albany , GA | 31707 | $596.9M |
| Haben Branch | Palmetto , FL | 34221 | $585.8M |
| Hinesville Branch | Hinesville , GA | 31313 | $487.7M |
| Perimeter Center West Branch | Atlanta , GA | 30346 | $461.6M |
| Brunswick Branch | Brunswick , GA | 31520 | $417.2M |
| Moultrie Main Street Branch | Moultrie , GA | 31768 | $397.2M |
| Deerwood Park Branch | Jacksonville , FL | 32256 | $357.5M |
| Valdosta Branch | Valdosta , GA | 31602 | $351.5M |
| Panama City Beach Branch | Panama City Beach , FL | 32407 | $320.1M |
| Downtown Tifton Branch | Tifton , GA | 31794 | $309.3M |
| Windward Branch | Alpharetta , GA | 30004 | $259.6M |
| Columbia Branch | Columbia , SC | 29201 | $255.3M |
| Decatur Branch | Decatur , GA | 30030 | $250.9M |
| North St Augustine Branch | Saint Augustine , FL | 32084 | $250.6M |
| Church Street Branch | Cartersville , GA | 30120 | $243.7M |
| Saint Marys Branch | Saint Marys , GA | 31558 | $242.6M |
| Eastside Branch | Vidalia , GA | 30474 | $242.2M |
| Jackson Branch | Jackson , GA | 30233 | $240.1M |
| Sandy Springs Branch | Sandy Springs , GA | 30328 | $232.1M |
| Powers Ferry Branch | Atlanta , GA | 30339 | $222.3M |
| Mandarin Branch | Jacksonville , FL | 32223 | $215.8M |
| South Cobb Drive Branch | Marietta , GA | 30060 | $210.4M |
| Vineville Avenue Branch | Macon , GA | 31204 | $207.6M |
| Saint Augustine Beach Branch | Saint Augustine , FL | 32080 | $206.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2019 | Structure Change | Acquired Fidelity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2018 | Structure Change | Acquired Hamilton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 26, 2018 | Structure Change | Acquired Atlantic Coast Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 25, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 12, 2016 | Structure Change | Acquired The Jacksonville Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 23, 2015 | Structure Change | Acquired Merchants & Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 22, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2014 | Structure Change | Acquired The Coastal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 23, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 23, 2013 | Structure Change | Acquired Prosperity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 7, 2012 | Structure Change | Acquired Montgomery Bank & Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 6, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 25, 2012 | Structure Change | Acquired Central Bank of Georgia Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 24, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 16, 2011 | Structure Change | Acquired High Trust Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 15, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 13, 2010 | Structure Change | Acquired Darby Bank & Trust Co. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 12, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 23, 2010 | Structure Change | Acquired First Bank of Jacksonville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 15, 2010 | Structure Change | Acquired Satilla Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 14, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 7, 2009 | Structure Change | Acquired United Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 6, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 24, 2009 | Structure Change | Acquired American United Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 2006 | Structure Change | Acquired Islands Community Bank, N. A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 9, 2006 | Structure Change | Acquired Bank of Thomas County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 2006 | Structure Change | Acquired Tri-County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2006 | Structure Change | Acquired Cairo Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 8, 2006 | Structure Change | Acquired Citizens Bank Wakulla Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 4, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 2006 | Structure Change | Acquired The First Bank of Brunswick Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 2006 | Structure Change | Acquired Central Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 6, 1979 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Ameris Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.3% of deposits in GA, rank 5 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 18,386 applications, 13,184 loans originated, $4.92B originated, across 46 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 109 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Ameris Bank
What are Ameris Bank's total assets?
As of the Q2 2026 filing, Ameris Bank reported total assets of $28.42 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ameris Bank headquartered?
Ameris Bank is headquartered in Atlanta, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Ameris Bank founded?
Ameris Bank was established in 1971, per the FDIC institution directory.
Is Ameris Bank FDIC-insured?
Yes. Ameris Bank is an FDIC-insured commercial bank (FDIC Certificate #20504). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ameris Bank?
Ameris Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ameris Bank's CET1 capital ratio?
Ameris Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Ameris Bank operate?
Ameris Bank operates 176 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ameris Bank's Texas Ratio?
Ameris Bank's Texas Ratio is 5.16% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Ameris Bank previously called?
The charter now named Ameris Bank has also operated as American Banking Company (1972-2006), per FDIC structure-change records.
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