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
Unfavorable gap of $506.6M · efficiency ratio beats 28% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 1.00% | 1.26% | 1.54% | Beats 45% | 79 / 144 | | |
| Return on Equity | 8.45% | 8.98% | 11.34% | 14.40% | Beats 19% | 117 / 144 | | |
| Net Interest Margin | 3.70% | 2.82% | 3.31% | 3.68% | Beats 76% | 34 / 144 | | |
| Efficiency Ratio | 60.98% | 49.42% | 56.02% | 62.41% | Beats 28% | 105 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.48% | 0.73% | 1.07% | Beats 63% | 54 / 142 | | |
| Net Charge-Offs / Loans | 0.15% | 0.05% | 0.11% | 0.22% | Beats 39% | 88 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 13.01% | 12.07% | 12.98% | 14.92% | Beats 52% | 69 / 144 | | |
| Total Risk-Based Capital Ratio | 14.27% | 13.39% | 14.14% | 16.25% | Beats 53% | 67 / 144 | | |
| Equity / Assets | 14.31% | 9.69% | 11.39% | 12.96% | Beats 88% | 17 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.85% | 75.72% | 84.92% | 91.56% | 90th pctl | 14 / 143 | | |
| Loans / Assets | 79.74% | 59.83% | 69.07% | 74.80% | 90th pctl | 14 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |