{"schema_version":"secwatch.filing_event.v1","accession":"0000351569-26-000003","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.373750+00:00","generated_at":"2026-05-16T06:38:45.388879+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Ameris Bancorp Q4 net income $108.4M ($1.59 EPS); full-year record $412.2M","bullets":["Q4 net income $108.4M ($1.59 diluted EPS) vs $94.4M ($1.37) a year ago; FY net income $412.2M ($6.00) vs $358.7M ($5.19).","Net interest margin (TE) expanded 5 bps to 3.85% in Q4; FY NIM 3.79% vs 3.56% in 2024.","Loans grew $255M (4.8% annualized) in Q4; deposits increased $147.9M; TCE ratio improved to 11.37%.","Share repurchases of $40.8M (563,798 shares) in Q4; tangible book value grew $1.28/share to $44.18.","Net charge-off ratio 0.26% in Q4; allowance for loan losses stable at 1.62% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0000351569-26-000003","json":"https://secwatch.observer/filing/0000351569-26-000003.json","markdown":"https://secwatch.observer/filing/0000351569-26-000003.md","text":"https://secwatch.observer/filing/0000351569-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000035156926000003/0000351569-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000035156926000003/abcb-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:38:45.388879+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"}