Ameris Bancorp

Ameris Bancorp is a U.S. bank holding company whose main operating business is Ameris Bank, a community-focused commercial bank headquartered in Atlanta, Georgia. It provides a broad set of banking and lending services to retail and commercial customers, with operations concentrated in select markets across Georgia, Alabama, Florida, North Carolina and South Carolina. The bank also serves some consumer and business customers nationwide through select lending channels, but its franchise is primarily built around local deposit gathering and relationship banking in the Southeast. Ameris operates 163 full-service banking offices and emphasizes decentralized market management, personalized service and deep customer relationships as core parts of its business model.

— Ameris Bancorp
%
Banking and deposit services30% Core checking, savings and deposit products used to gather low-cost funding from retail and business customers.
Commercial and consumer lending40% Loans to businesses and consumers, including relationship-based credit products across the bank's core markets.
Mortgage banking15% Mortgage origination, refinancing and related residential lending services.
Treasury and cash management8% Payment, liquidity and cash management services for business clients.
Insurance premium finance7% Financing solutions that help customers fund insurance premiums over time.

Ameris serves retail customers, small and middle-market businesses, and commercial borrowers in its Southeast footprint...

  • Retail banking customersprimary

    Households that use Ameris for deposits, everyday banking, mortgages and refinancing, attracted by local branch access and relationship service.

  • Commercial and small business customersprimary

    Businesses that buy loans, operating accounts, treasury and cash management services to support working capital and daily operations.

  • Mortgage borrowerssecondary

    Consumers seeking home purchase loans, refinancing and related residential mortgage services.

  • Insurance premium finance customerssecondary

    Businesses and individuals financing insurance premiums over time rather than paying upfront.

  • Nationwide select lending customersemerging

    Consumer and business borrowers reached through specialized lending channels outside the core branch footprint.

Ameris is primarily a Southeastern U.S. bank, with customer concentration in Georgia, Alabama, Florida, North Carolina...

  • •Core franchise concentrated in Georgia, Alabama, Florida, North Carolina and South Carolina
  • •Headquartered in Atlanta, Georgia
  • •163 full-service domestic banking offices
  • •No foreign-country operations
  • •Select lending channels serve customers nationwide
  • •Regional concentration ties results to Southeast economic conditions

Ameris is focused on expanding its brand and market presence in its existing Southeast footprint and in neighboring...

01
Deepen presence in core Southeast marketsmedium-term

The bank's growth depends on winning more deposits and loans in the markets where it already has brand recognition and local relationships.

02
Maintain relationship banking and low-cost core depositsshort-term

Personalized service and local decision-making support deposit retention and funding stability, which are central to the bank's profitability model.

03
Modernize service delivery and infrastructuremedium-term

Technology is necessary to compete with fintechs and non-bank providers while supporting online banking and transaction processing.

Ameris faces intense competition for both loans and deposits, which can pressure pricing and margins because it may...

high

Intense competition for loans and deposits

Ameris competes with banks, fintechs and non-bank providers, which can force less favorable pricing and reduce profitability.

Scope
Core banking and lending franchise
Materiality
high
high

Credit risk and loan losses

The bank's earnings depend on borrower repayment performance, and weaker underwriting or economic stress can increase charge-offs and provisions.

Scope
Commercial, consumer and mortgage lending
Materiality
high
high

Cybersecurity and data breach risk

Unauthorized access to customer or proprietary information could cause legal exposure, reputational harm and regulatory scrutiny.

Scope
Digital banking, card activity and customer data
Materiality
high
high

Regulatory and compliance burden

Banks are heavily supervised and must maintain capital and compliance standards that increase cost and constrain activities.

Scope
Capital, liquidity and consumer/commercial banking compliance
Materiality
high
medium

Third-party vendor and technology dependence

Core processing, cloud services and online banking rely on external providers, so outages or control failures can disrupt operations.

Scope
Technology infrastructure and transaction processing
Materiality
medium
Allowance for credit losses
Provision expense and reserve levels
Fair value measurements
Balance sheet values and noninterest income/expense
Goodwill impairment
Potential noncash charges to earnings
Litigation reserves
Noninterest expense and earnings volatility
Regulatory capital accounting
Capital management and shareholder distributions

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: 11/08/2026