---
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"
generated_at: "2026-05-15T04:41:31.141563+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q1 2026 net income $110.5M, EPS $1.63, ROA 1.62%, NIM expands 3bps to 3.88%

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/351569/000035156926000079/0000351569-26-000079-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/351569/000035156926000079/abcb-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000351569-26-000079
- JSON: https://secwatch.observer/filing/0000351569-26-000079.json
- Plain text: https://secwatch.observer/filing/0000351569-26-000079.txt

## Key facts
- Earnings Releases
  Ameris Bancorp reported the quarter ended March 31, 2026 results: net income $110.5 million, EPS $1.63 per diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $110.5 million
  - EPS: $1.63 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/351569/000035156926000079/0000351569-26-000079-index.htm

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