{"schema_version":"secwatch.filing_event.v1","accession":"0000351569-25-000008","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2025-04-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.944172+00:00","generated_at":"2026-05-23T05:19:01.363197+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Ameris Bancorp Q1 2025 net income $87.9M, EPS $1.27; NIM expands 9 bps to 3.73%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000351569-25-000008","json":"https://secwatch.observer/filing/0000351569-25-000008.json","markdown":"https://secwatch.observer/filing/0000351569-25-000008.md","text":"https://secwatch.observer/filing/0000351569-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000008/0000351569-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000008/abcb-20250428.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T05:19:01.363197+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"}