{"schema_version":"secwatch.filing_event.v1","accession":"0000351569-26-000139","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2026-07-23T20:16:33+00:00","discovered_at":"2026-07-23T20:17:00.272296+00:00","generated_at":"2026-07-23T20:17:05.349453+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Ameris Bancorp Q2 GAAP EPS $0.77 on $82.5M litigation charge; adjusted EPS $1.60","bullets":["Net income $51.4M ($0.77 diluted EPS) vs $109.8M ($1.60) YoY; adjusted net income $107.3M ($1.60).","Recorded $82.5M litigation expense accrual from California employment jury verdict.","Net interest margin (TE) stable at 3.88%; average earning assets grew 8.5% annualized.","Loan growth $349.9M (6.4% annualized); noninterest-bearing deposits improved to 30.0% of total.","Tangible book value per share $45.10; share repurchases of $19.0M (226,600 shares) in Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0000351569-26-000139","json":"https://secwatch.observer/filing/0000351569-26-000139.json","markdown":"https://secwatch.observer/filing/0000351569-26-000139.md","text":"https://secwatch.observer/filing/0000351569-26-000139.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000035156926000139/0000351569-26-000139-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000035156926000139/abcb-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:17:05.349453+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"}