secwatch.observer — SEC 8-K summary
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Issuer:     Ameris Bancorp (ABCB)
CIK:        0000351569
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0000351569-26-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/351569/000035156926000003/0000351569-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/351569/000035156926000003/abcb-20260129.htm
  HTML page:      https://secwatch.observer/filing/0000351569-26-000003

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