Atlanta, GA · Cert 20504 · Ameris Bcorp
State charter, non-member · FDIC · 166 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 3.6% share · #6 of 81 inst. · $9.2B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | 1.62% | 1.64% | 1.64% | 1.23% | -36 bps | |
| Return on Equity | 10.87% | 11.01% | 11.12% | 11.20% | 8.46% | -241 bps | |
| Net Interest Margin | 3.60% | 3.63% | 3.62% | 3.72% | 3.70% | +11 bps | |
| Efficiency Ratio | 48.68% | 47.78% | 46.67% | 47.15% | 59.99% | +1,132 bps | |
| Non-Interest Burden | 1.23% | 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 / Loans | 0.45% | 0.49% | 0.54% | 0.57% | 0.57% | +13 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.14% | 0.17% | 0.20% | 0.20% | +5 bps | |
| Allowance / Loans | 1.58% | 1.58% | 1.57% | 1.59% | 1.59% | 0 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.2x | 2.9x | 2.8x | 2.8x | -0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.42% | 11.59% | 11.67% | 11.52% | 11.41% | -1 bps | |
| Total Risk-Based Capital | 14.59% | 14.69% | 14.69% | 14.40% | 14.27% | -32 bps | |
| Equity / Assets | 14.75% | 14.81% | 14.84% | 14.45% | 14.31% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.61% | 97.46% | 98.56% | 98.39% | 99.85% | +223 bps | |
| Liquid Assets / Assets | 4.12% | 3.81% | 3.79% | 4.63% | 4.11% | -1 bps | |
| CRE / Total Capital | n/a | 345% | 347% | 353% | n/a | n/a | |