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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.58% | 1.43% | 1.76% | 1.67% | 1.69% | 1.64% | 0.82% | -93 bps | |
| Return on Equity | 11.48% | 10.95% | 9.76% | 11.92% | 11.29% | 11.43% | 11.20% | 5.73% | -619 bps | |
| Net Interest Margin | 3.46% | 3.58% | 3.59% | 3.68% | 3.74% | 3.78% | 3.72% | 3.76% | +9 bps | |
| Efficiency Ratio | 49.33% | 47.67% | 49.23% | 48.15% | 46.10% | 43.41% | 47.15% | 72.67% | +2,452 bps | |
| Non-Interest Burden | 1.16% | 1.15% | 1.26% | 1.22% | 1.11% | 1.11% | 1.20% | 2.43% | +121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 4.23% | 3.32% | 0.65% | 2.68% | 4.80% | 6.03% | 6.83% | +618 bps | |
| Loan Growth (YoY) | 4.55% | 3.49% | 1.37% | 0.11% | 1.60% | 4.08% | 5.05% | 4.98% | +487 bps | |
| Deposit Growth (YoY) | 6.37% | 4.75% | 4.14% | 2.50% | 1.75% | 2.72% | 3.06% | 2.63% | +13 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.56% | 0.54% | 0.45% | 0.49% | 0.54% | 0.57% | 0.57% | +13 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.17% | 0.17% | 0.13% | 0.14% | 0.25% | 0.20% | 0.20% | +6 bps | |
| Allowance / Loans | 1.55% | 1.59% | 1.63% | 1.58% | 1.58% | 1.57% | 1.59% | 1.59% | 0 bps | |
| Allowance Coverage of NPLs | 3.1x | 2.8x | 3.0x | 3.6x | 3.2x | 2.9x | 2.8x | 2.8x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.14% | 11.17% | 11.58% | 11.42% | 11.59% | 11.67% | 11.52% | 11.41% | -1 bps | |
| Total Risk-Based Capital | 14.61% | 14.75% | 15.14% | 14.59% | 14.69% | 14.69% | 14.40% | 14.27% | -32 bps | |
| Equity / Assets | 14.44% | 14.48% | 14.76% | 14.75% | 14.81% | 14.84% | 14.45% | 14.31% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.61% | 97.27% | 96.53% | 97.61% | 97.46% | 98.56% | 98.39% | 99.85% | +223 bps | |
| Liquid Assets / Assets | 4.90% | 4.36% | 4.59% | 4.12% | 3.81% | 3.79% | 4.63% | 4.11% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 345% | 347% | 353% | n/a | n/a | |