Ameris Bancorp Q3 net income $106M, EPS $1.54; NIM expands to 3.80%

Ameris Bancorp

2025-Q3 EPS reported $4.41

Net income $106.0M ($1.54 diluted EPS) vs $99.2M ($1.44) a year ago; ROAA 1.56%, ROTCE 14.57%.
Net interest margin (TE) 3.80%, up 3 bps QoQ and 29 bps YoY; net interest income grew $6.2M (2.7%) QoQ.
Loans grew $216.9M (4.1% annualized); deposits increased $295.4M; noninterest-bearing deposits 30.4% of total.
Provision for credit losses $22.6M (vs $2.8M prior Q), with $11.4M linked to increased unfunded commitments.
Board authorized $200M share repurchase through Oct 2026; redeemed $74M & $110M subordinated notes at par in Sep/Oct.

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