---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-082656"
form_type: "8-K"
ticker: "ABCB"
cik: "0000351569"
company_name: "Ameris Bancorp"
filed_at: "2024-07-25T23:59:59+00:00"
generated_at: "2026-05-31T16:25:53.336831+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q2 net income $90.8M ($1.32 EPS); NIM expands to 3.58% from 3.51%

## Summary
- Net income $90.8M, $1.32 diluted EPS; adjusted net income $80.8M, $1.17 adjusted EPS.
- Net interest margin 3.58%, up 7 bps QoQ; net interest income (TE) $212.9M, +5.2% QoQ.
- Organic loan growth $392.3M (7.7% annualized); total deposits up $446.8M (8.6% annualized).
- Tangible book value per share $35.79, +$2.15 YTD; TCE ratio 9.72% vs 8.80% year ago.
- Annualized net charge-offs improved to 0.18% from 0.25% prior quarter; provision $18.8M.

## SEC filing metadata
- accession: 0001104659-24-082656
- form_type: 8-K
- ticker: ABCB
- cik: 0000351569
- company_name: Ameris Bancorp
- filed_at: 2024-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/351569/000110465924082656/0001104659-24-082656-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/351569/000110465924082656/tm2420215d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-082656
- JSON: https://secwatch.observer/filing/0001104659-24-082656.json
- Plain text: https://secwatch.observer/filing/0001104659-24-082656.txt

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