BlastPoint's Banking Scorecard
Ameris Bank
Atlanta, GA
177 branches across GA · FL · SC · AL · NC
Ameris Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.14% above tier average
- + Efficiency Ratio 6.75% below tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.7% in tier
- - Credit Risk Growth: Bottom 16.9% in tier
- - Liquidity Strain: Bottom 38.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.0B
+6.0% YoY
+2.2% QoQ
|
-$19.3B |
$47.4B
-2.0% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.0% YoY
|
56% |
| Total Loans ? |
$22.0B
+5.1% YoY
+0.8% QoQ
|
-$7.7B |
$29.6B
-0.4% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.7% YoY
|
62% |
| Total Deposits ? |
$22.7B
+3.1% YoY
+1.0% QoQ
|
-$16.1B |
$38.7B
-1.6% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.0% YoY
|
56% |
| Return on Assets ? |
1.64%
+14.9% YoY
+0.2% QoQ
|
+0.36% |
1.28%
+19.3% YoY
|
1.50%
+0.6% YoY
|
1.24%
+13.1% YoY
|
81% |
| Net Interest Margin ? |
3.90%
+3.2% YoY
-0.2% QoQ
|
+0.14% |
3.77%
+5.6% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
47.15%
-4.2% YoY
+1.0% QoQ
|
-6.75% |
53.90%
-4.0% YoY
|
62.13%
-1.5% YoY
|
66.84%
-3.8% YoY
|
78% |
| Delinquency Rate ? |
0.58%
+5.2% YoY
+6.4% QoQ
|
-0.44% |
1.02%
-4.1% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
96.83%
+2.0% YoY
-0.2% QoQ
|
+15.95% |
80.88%
+2.0% YoY
|
71.10%
+2.8% YoY
|
76.69%
+0.9% YoY
|
Bottom 11.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.98%
-3.6% YoY
+3.4% QoQ
|
+10.15% |
19.82%
+0.3% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.1% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.46%
+6.0% YoY
+5.0% QoQ
|
-0.26% |
0.73%
+4.0% YoY
|
0.56%
+24.4% YoY
|
0.66%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
13.15%
-2.9% YoY
-2.1% QoQ
|
-2.41% |
15.56%
-0.1% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.25%
+3.1% YoY
-74.6% QoQ
|
+0.02% |
0.23%
+0.9% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.0% YoY
|
74% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.