{"schema_version":"secwatch.filing_event.v1","accession":"0000351569-25-000019","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.060350+00:00","generated_at":"2026-05-18T00:36:34.432620+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ameris Bancorp Q2 net income $109.8M, EPS $1.60; NIM expands to 3.77%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000351569-25-000019","json":"https://secwatch.observer/filing/0000351569-25-000019.json","markdown":"https://secwatch.observer/filing/0000351569-25-000019.md","text":"https://secwatch.observer/filing/0000351569-25-000019.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000019/0000351569-25-000019-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000019/abcb-20250728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:36:34.432620+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"}