---
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"
generated_at: "2026-05-18T00:36:34.432620+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000351569-25-000019
- JSON: https://secwatch.observer/filing/0000351569-25-000019.json
- Plain text: https://secwatch.observer/filing/0000351569-25-000019.txt

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