---
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"
generated_at: "2026-05-23T05:19:01.363197+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000351569-25-000008
- JSON: https://secwatch.observer/filing/0000351569-25-000008.json
- Plain text: https://secwatch.observer/filing/0000351569-25-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.