---
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"
generated_at: "2026-06-26T04:48:20.649182+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Ameris Bancorp Q1 net income $81.7M ($1.17 EPS); NIM expands 17bps to 3.35%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-015731
- JSON: https://secwatch.observer/filing/0001564590-22-015731.json
- Plain text: https://secwatch.observer/filing/0001564590-22-015731.txt

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