{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-006691","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.573885+00:00","generated_at":"2026-06-06T18:39:35.711904+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ameris Bancorp Q4 net income $65.9M ($0.96 EPS) vs $82.2M a year ago; FY 2023 EPS $3.89 vs $4.99","bullets":["Q4 2023 net income $65.9M ($0.96 diluted EPS) vs $82.2M ($1.18) in Q4 2022; adjusted EPS $1.07.","Full year 2023 net income $269.1M ($3.89 diluted EPS) vs $346.5M ($4.99) in 2022; adjusted EPS $4.00.","Tangible book value per share grew 12.4% to $33.64 at Dec 31, 2023.","Allowance for credit losses increased to 1.52% of loans (from 1.04%) due to CRE conditions.","Total deposits grew 6.4% ($1.25B); net interest margin stable at 3.54% in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-006691","json":"https://secwatch.observer/filing/0001104659-24-006691.json","markdown":"https://secwatch.observer/filing/0001104659-24-006691.md","text":"https://secwatch.observer/filing/0001104659-24-006691.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000110465924006691/0001104659-24-006691-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000110465924006691/tm244153d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:39:35.711904+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":"62e7f360f00db58e077374857620aeb54cc7c030","claim":"Ameris Bancorp reported financial results for the quarter and fiscal year ended December 31, 2023.","evidence_excerpt":"On January 25, 2024, Ameris Bancorp (the “Company”) issued a press release announcing its unaudited financial results for the quarter and fiscal year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/351569/000110465924006691/0001104659-24-006691-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and fiscal year ended December 31, 2023"},{"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"}