---
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"
generated_at: "2026-05-16T06:38:45.388879+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q4 net income $108.4M ($1.59 EPS); full-year record $412.2M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000351569-26-000003
- JSON: https://secwatch.observer/filing/0000351569-26-000003.json
- Plain text: https://secwatch.observer/filing/0000351569-26-000003.txt

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