{"schema_version":"secwatch.filing_event.v1","accession":"0000351569-26-000079","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.572919+00:00","generated_at":"2026-05-15T04:41:31.141563+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 Q1 2026 net income $110.5M, EPS $1.63, ROA 1.62%, NIM expands 3bps to 3.88%","bullets":["Net income $110.5M ($1.63 diluted EPS) vs $87.9M ($1.27) a year ago; revenue grew 9.5% annualized.","Net interest margin (TE) expanded 3 bps to 3.88%; total cost of funds down 7 bps to 1.88%.","Loan growth of $314.5M (5.9% annualized); deposit growth of $260.7M; noninterest-bearing mix improved to 29.8%.","Share repurchases of $74.9M (950,400 shares) in the quarter; tangible book value per share up $0.61 to $44.79.","Net charge-offs 0.21% of avg loans; provision for credit losses $16.6M; nonperforming assets stable at 0.45%."],"urls":{"canonical":"https://secwatch.observer/filing/0000351569-26-000079","json":"https://secwatch.observer/filing/0000351569-26-000079.json","markdown":"https://secwatch.observer/filing/0000351569-26-000079.md","text":"https://secwatch.observer/filing/0000351569-26-000079.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000035156926000079/0000351569-26-000079-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000035156926000079/abcb-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:41:31.141563+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":[{"claim_id":"2af07d12957cbe50a815539b2ac7f175ccc54e08","claim":"Ameris Bancorp reported the quarter ended March 31, 2026 results: net income $110.5 million, EPS $1.63 per diluted share.","evidence_excerpt":"Ameris Bancorp (NYSE: ABCB) (the “Company” or “Ameris”) today reported net income of $110.5 million, or $1.63 per diluted share, for the quarter ended March 31, 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/351569/000035156926000079/0000351569-26-000079-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$110.5 million"},{"label":"EPS","value":"$1.63 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}