---
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"
generated_at: "2026-05-17T02:15:52.153764+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/351569/000035156925000034/0000351569-25-000034-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/351569/000035156925000034/abcb-20251027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000351569-25-000034
- JSON: https://secwatch.observer/filing/0000351569-25-000034.json
- Plain text: https://secwatch.observer/filing/0000351569-25-000034.txt

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