---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-051986"
form_type: "8-K"
ticker: "ABCB"
cik: "0000351569"
company_name: "Ameris Bancorp"
filed_at: "2024-04-25T23:59:59+00:00"
generated_at: "2026-06-03T08:29:12.332815+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q1 2024 net income $74.3M ($1.08 EPS); adjusted EPS $1.10

## Summary
- Net income $74.3M vs $60.4M in Q1 2023; adjusted net income $75.6M.
- Net interest margin 3.51%, down from 3.76% a year ago; loan growth $331M (6.5% annualized).
- Deposits grew $288.9M; noninterest-bearing deposits stable at 31.1% of total deposits.
- Tangible book value per share $34.52, up $0.88 (10.5% annualized); TCE ratio 9.71%.
- Provision for credit losses $21.1M; net charge-off ratio 25 bps; NPAs 0.71% of assets.

## SEC filing metadata
- accession: 0001104659-24-051986
- form_type: 8-K
- ticker: ABCB
- cik: 0000351569
- company_name: Ameris Bancorp
- filed_at: 2024-04-25T23:59:59+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/351569/000110465924051986/0001104659-24-051986-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/351569/000110465924051986/tm2412737d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-051986
- JSON: https://secwatch.observer/filing/0001104659-24-051986.json
- Plain text: https://secwatch.observer/filing/0001104659-24-051986.txt

## Key facts
- Earnings Releases
  Ameris Bancorp reported the quarter ended March 31, 2024 results: net income $74.3 million, EPS $1.08 per diluted share.
  - Period: the quarter ended March 31, 2024
  - Net income: $74.3 million
  - EPS: $1.08 per diluted share
  - Result: reported results
  source text: Ameris Bancorp (Nasdaq: ABCB) (the “Company”) today reported net income of $74.3 million, or $1.08 per diluted share, for the quarter ended March 31, 2024
  evidence_url: https://www.sec.gov/Archives/edgar/data/351569/000110465924051986/0001104659-24-051986-index.htm

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