{"schema_version":"secwatch.filing_event.v1","accession":"0000351569-25-000034","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.734279+00:00","generated_at":"2026-05-17T02:15:52.153764+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 Q3 net income $106M, EPS $1.54; NIM expands to 3.80%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000351569-25-000034","json":"https://secwatch.observer/filing/0000351569-25-000034.json","markdown":"https://secwatch.observer/filing/0000351569-25-000034.md","text":"https://secwatch.observer/filing/0000351569-25-000034.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000034/0000351569-25-000034-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000035156925000034/abcb-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:15:52.153764+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"}