---
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"
generated_at: "2026-07-23T20:17:05.349453+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q2 GAAP EPS $0.77 on $82.5M litigation charge; adjusted EPS $1.60

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000351569-26-000139
- JSON: https://secwatch.observer/filing/0000351569-26-000139.json
- Plain text: https://secwatch.observer/filing/0000351569-26-000139.txt

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