Ameris Bancorp Q1 2025 net income $87.9M, EPS $1.27; NIM expands 9 bps to 3.73%

Ameris Bancorp

2025-Q1 EPS reported $1.27

Net income $87.9M, diluted EPS $1.27 vs $74.3M, $1.08 in Q1 2024.
Net interest margin (TE) 3.73%, up 22 bps YoY; deposits cost down 14 bps to 1.98%.
Tangible book value per share $39.78, up $1.19 (12.5% annualized); TCE ratio 10.78%.
Provision for credit losses $21.9M; allowance for loan losses 1.67% (vs 1.63% Q4 2024).
Repurchased 253,400 shares; noninterest-bearing deposits 30.8% of total deposits.

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