secwatch.observer — SEC 8-K summary
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Issuer:     Ameris Bancorp (ABCB)
CIK:        0000351569
Form:       8-K
Filed at:   2025-04-28T23:59:59+00:00
Accession:  0000351569-25-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/351569/000035156925000008/0000351569-25-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/351569/000035156925000008/abcb-20250428.htm
  HTML page:      https://secwatch.observer/filing/0000351569-25-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer