Ameris Bancorp Q2 net income $109.8M, EPS $1.60; NIM expands to 3.77%

Ameris Bancorp

2025-Q2 EPS reported $2.87

Net income $109.8M ($1.60 diluted EPS) vs $90.8M ($1.32) in Q2 2024; YTD net income $197.8M.
Net interest margin (TE) rose 4 bps to 3.77%; efficiency ratio improved to 51.63%.
Loan growth of $334.9M (6.5% annualized); tangible book value $41.32 (+15.5% annualized).
Provision for credit losses only $2.8M, down from $21.9M in Q1 2025; NPA ratio 0.36%.
To redeem $74M of 5.875% subordinated notes due 2030 at par on Sept 1, 2025.

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