{"schema_version":"secwatch.filing_event.v1","accession":"0000351569-25-000002","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.979108+00:00","generated_at":"2026-05-27T05:57:12.809516+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Ameris Bancorp Q4 2024 EPS $1.37; NIM expands to 3.64%; dividend up 33% to $0.20","bullets":["Net income $94.4M ($1.37 diluted EPS) vs $65.9M ($0.96) YoY; adjusted EPS $1.38.","Net interest margin (TE) expanded 13bps to 3.64% in Q4; deposit costs decreased 27bps.","Tangible book value up $4.95/share to $38.59 (14.7% YoY); TCE ratio 10.59%.","Dividend raised 33% to $0.20 per common share; no share repurchases in Q4.","Credit quality: provision $12.8M; net charge-offs 0.17% annualized; NPA ratio 0.47%."],"urls":{"canonical":"https://secwatch.observer/filing/0000351569-25-000002","json":"https://secwatch.observer/filing/0000351569-25-000002.json","markdown":"https://secwatch.observer/filing/0000351569-25-000002.md","text":"https://secwatch.observer/filing/0000351569-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000002/0000351569-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000002/abcb-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:57:12.809516+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}