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Ameris Bank

Atlanta, GA · Cert 20504 · Ameris Bcorp

State charter, non-member · FDIC · 166 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

64

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ameris Bank

Atlanta, GA · Cert 20504 · Ameris Bcorp

State charter, non-member · FDIC · 166 branches

Q2 2026

$28.4BAssets
$22.7BLoans
$22.7BDeposits
$4.1BEquity
Loan mix
80%RE $15.7B19%C&I $3.8B1%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $15.8B30%Noninterest $6.9BQ2 2025Q2 2026

NIM

5.23%Q2 ’245.11%Q2 ’255.10%Q2 ’26+6%+3%

Non-interest income vs. expense

2.28%Q2 ’242.22%Q2 ’252.77%Q2 ’26+4%+47%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 3.6% share · #6 of 81 inst. · $9.2B of $255.1B

3.0% Fulton
1.3% Duval
6.6% DeKalb
3.4% Cobb

Executive Summary

  • Earnings: ROA of 1.23%, down 36 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.57% of loans (+13 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 11.41%, down 1 bps from a year ago.
  • Funding: loans stand at 99.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+11 bps YoY

Efficiency Ratio (YTD, annualized)

59.99%+1,132 bps YoY

Tier 1 Leverage Ratio

11.41%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.62%1.64%1.64%1.23%-36 bps
Return on Equity10.87%11.01%11.12%11.20%8.46%-241 bps
Net Interest Margin3.60%3.63%3.62%3.72%3.70%+11 bps
Efficiency Ratio48.68%47.78%46.67%47.15%59.99%+1,132 bps
Non-Interest Burden1.23%1.18%1.15%1.20%1.80%+58 bps
Growth
Asset Growth (YoY)0.65%2.68%4.80%6.03%6.83%+618 bps
Loan Growth (YoY)0.11%1.60%4.08%5.05%4.98%+487 bps
Deposit Growth (YoY)2.50%1.75%2.72%3.06%2.63%+13 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.49%0.54%0.57%0.57%+13 bps
Net Charge-Offs / Loans0.15%0.14%0.17%0.20%0.20%+5 bps
Allowance / Loans1.58%1.58%1.57%1.59%1.59%0 bps
Allowance Coverage of NPLs3.6x3.2x2.9x2.8x2.8x-0.8x
Capital
Tier 1 Leverage Ratio11.42%11.59%11.67%11.52%11.41%-1 bps
Total Risk-Based Capital14.59%14.69%14.69%14.40%14.27%-32 bps
Equity / Assets14.75%14.81%14.84%14.45%14.31%-44 bps
Liquidity & Funding
Loans / Deposits97.61%97.46%98.56%98.39%99.85%+223 bps
Liquid Assets / Assets4.12%3.81%3.79%4.63%4.11%-1 bps
CRE / Total Capitaln/a345%347%353%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ameris Bank

Atlanta, GA · Cert 20504 · Peer group: banks over $10B in assets (n=142-144) · Ameris Bcorp

State charter, non-member · FDIC · 166 branches

Q2 2026

$28.4BAssets
$22.7BLoans
$22.7BDeposits
$4.1BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks over $10B in assets (rank 17 of 144).
  • Widest gap: return on equity trails 81% of banks over $10B in assets (rank 117 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.21%

Rank 79 of 144

Net Interest Margin

3.70%

Rank 34 of 144

Efficiency Ratio

60.98%

Rank 105 of 144

Equity / Assets

14.31%

Rank 17 of 144

Non-interest income vs. expense

$272.0M$778.6MINCOMEEXPENSE
Unfavorable gap of $506.6M · efficiency ratio beats 28% of banks over $10B in assets
Bank 60.98%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%1.00%1.26%1.54%Beats 45%79 / 144
Return on Equity8.45%8.98%11.34%14.40%Beats 19%117 / 144
Net Interest Margin3.70%2.82%3.31%3.68%Beats 76%34 / 144
Efficiency Ratio60.98%49.42%56.02%62.41%Beats 28%105 / 144
Asset Quality
Nonperforming Loans / Loans0.57%0.48%0.73%1.07%Beats 63%54 / 142
Net Charge-Offs / Loans0.15%0.05%0.11%0.22%Beats 39%88 / 142
Capital
Tier 1 Capital Ratio13.01%12.07%12.98%14.92%Beats 52%69 / 144
Total Risk-Based Capital Ratio14.27%13.39%14.14%16.25%Beats 53%67 / 144
Equity / Assets14.31%9.69%11.39%12.96%Beats 88%17 / 144
Liquidity & Funding
Loans / Deposits99.85%75.72%84.92%91.56%90th pctl14 / 143
Loans / Assets79.74%59.83%69.07%74.80%90th pctl14 / 144
Brokered Deposits / Depositsn/aNot reported for this institution