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Ameris Bank

$10B-$250B Specialty: Commercial GA FDIC cert 20504

Atlanta, GA

177 branches across GA · FL · SC · AL · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in GA.
  • Deposits +2.6% year over year ($22.7B on the books).
  • Delinquency rate 0.58%.
  • Return on assets 1.23%.
  • Efficiency ratio 59.99% vs a 53.67% peer average.
  • Loan-to-deposit ratio 98.26% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 1 in GA
View $10B-$250B leaderboard (GA) →

Ameris Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 22.0% in tier
  • - Margin Compression: Bottom 22.2% in tier
  • - Liquidity Strain: Bottom 40.0% in tier
  • - Cost Spiral: Bottom 41.7% in tier
  • - Credit Quality Pressure: Bottom 47.8% in tier
Get updates when Ameris Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $28.4B
+6.8% YoY +1.4% QoQ
-$15.2B $43.6B
-13.8% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $22.3B
+5.0% YoY +1.5% QoQ
-$5.7B $28.0B
-8.6% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
65%
Total Deposits ? $22.7B
+2.6% YoY +0.0% QoQ
-$12.7B $35.4B
-14.0% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.23%
-22.9% YoY -25.0% QoQ
-0.16% 1.39%
+25.9% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
46%
Net Interest Margin ? 3.94%
+2.3% YoY +0.8% QoQ
+0.02% 3.92%
+8.9% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 59.99%
+23.2% YoY +27.2% QoQ
+6.32% 53.67%
-1.9% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 0.58%
+28.2% YoY +0.3% QoQ
-0.43% 1.01%
-2.8% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 98.26%
+2.3% YoY +1.5% QoQ
+15.65% 82.61%
+3.1% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Bottom 9.4% in tier
Non-Interest-Bearing Deposit Share ? 30.36%
-3.8% YoY +1.3% QoQ
+9.78% 20.58%
+4.9% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.47%
+27.5% YoY +1.1% QoQ
-0.26% 0.73%
+5.8% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 13.01%
-2.4% YoY -1.0% QoQ
-2.34% 15.35%
-0.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.48%
-4.2% YoY +91.6% QoQ
-0.02% 0.50%
+10.5% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 30.4%
-1.2pp YoY
+0.4pp QoQ
 +9.3pp 21.0% 26.2% 22.2% 80%
Brokered Deposits 6.8%
+1.7pp YoY
+0.9pp QoQ
 -2.4pp 9.2% 7.5% 8.5% 55%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 17.8%
+1.0pp YoY
+0.6pp QoQ
 +0.6pp 17.2% 9.7% 12.5% 59%
CRE 48.5%
+0.3pp YoY
-0.7pp QoQ
 +6.5pp 42.0% 48.9% 41.4% 63%
1-4 Family 21.6%
-2.0pp YoY
-0.3pp QoQ
 -1.6pp 23.1% 31.7% 31.3% 48%
Consumer 0.7%
-0.3pp YoY
-0.1pp QoQ
 -12.1pp 12.9% 4.8% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 13.0%
-0.3pp YoY
-0.1pp QoQ
 -2.3pp 15.3% 20.9% 19.7% 52%
Leverage Ratio 11.4%
0.0pp YoY
-0.1pp QoQ
 +1.0pp 10.4% 14.0% 12.6% 80%
Total Capital Ratio 14.3%
-0.3pp YoY
-0.1pp QoQ
 -2.2pp 16.5% 22.1% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 2,650
-22 (-0.8%) YoY
+8 (+0.3%) QoQ
 -608 3,258 98 482 63%
Assets per Employee ($) $10.7M
+7.7% YoY
+1.1% QoQ
 -$16.3M $27.0M $7.5M $8.8M 39%
Branch Count 177
-1 (-0.6%) YoY
0 QoQ
 +39 137 6 18 73%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.4% 46%
Nonaccrual 0.5%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.7% 0.8% 1.0% 44%
Allowance Coverage 2.78x
-21.8% YoY
-0.5% QoQ
 0.00x 2.81x 38.10x 20.23x 74%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.4% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 8.5%
-2.4pp YoY
-2.7pp QoQ
 -4.2pp 12.6% 13.6% 11.6% 21%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 2.0% 1.6% 1.7% 36%
Net Income ($, YTD) $171.9M
-18.3% YoY
— QoQ
 -$125.0M $296.8M $6.6M $40.4M 52%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Credit Risk Growth

risk
#14 of 59 • Bottom 22.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Margin Compression

decline
#5 of 18 • Bottom 22.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.23%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
18 of 18 Large banks match · 413 nationally
→ Stable +8 banks QoQ

Liquidity Strain

risk
#17 of 40 • Bottom 40.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.26%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
40 of 40 Large banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Cost Spiral

risk
#6 of 12 • Bottom 41.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 59.99%
(Tier: 53.67%, National: 70.05%)
worse than tier avg
12 of 12 Large banks match · 184 nationally
→ Stable +9 banks QoQ

Credit Quality Pressure

risk
#33 of 67 • Bottom 47.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.58%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

27
Non-Interest-Bearing Deposit Share
funding
Value: 30.36%
Peer Median: 20.58%
#27 of 139 Top 18.7% in $10B-$250B

Top Weaknesses (1 metrics)

127
Loan-to-Deposit Ratio
liquidity
Value: 98.26%
Peer Median: 82.61%
#127 of 139 Bottom 9.4% in $10B-$250B
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