{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-22-015731","form_type":"8-K","ticker":"ABCB","cik":"0000351569","company_name":"Ameris Bancorp","filed_at":"2022-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.212556+00:00","generated_at":"2026-06-26T04:48:20.649182+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Ameris Bancorp Q1 net income $81.7M ($1.17 EPS); NIM expands 17bps to 3.35%","bullets":["Net income $81.7M ($1.17 diluted EPS); adjusted $75.0M ($1.08).","Net interest margin improved to 3.35% from 3.18% QoQ; NII (TE) $173.6M.","Organic loan growth $269.5M (6.8% annualized); excl. PPP $350.7M (8.9%).","Tangible book value per share $26.84, up $0.58 from Dec 2021; TBV dilution <1% from OCI.","Provision for credit losses $6.2M; NPA ratio 0.47%; net charge-off ratio 0.09%."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-22-015731","json":"https://secwatch.observer/filing/0001564590-22-015731.json","markdown":"https://secwatch.observer/filing/0001564590-22-015731.md","text":"https://secwatch.observer/filing/0001564590-22-015731.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/351569/000156459022015731/0001564590-22-015731-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/351569/000156459022015731/abcb-8k_20220426.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:48:20.649182+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"}