Every material Form 8-K Ameris Bancorp has filed with the SEC since October 26, 2023, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Ameris Bancorp reported third-quarter 2026 net income of $116.1 million, or $1.73 per diluted share, up from $106.0 million, or $1.54 per diluted share, a year earlier, and up sharply from $51.4 million in the second quarter, which included a $80.8 million litigation expense accrual. Year-to-date net income was $278.0 million, or $4.13 per diluted share, down from $303.8 million, or $4.41, in the same period of 2025. The board also authorized a $200.0 million share repurchase program running through October 31, 2027.
Q3 2026 net income $116.1 million, or $1.73 per diluted share, versus $106.0 million, or $1.54, in Q3 2025
Net interest margin 3.87%, a seven basis point improvement from Q3 2025; return on average assets 1.61%
Board authorized up to $200.0 million in share repurchases on October 16, 2026, through October 31, 2027
Earnings teleconference set for 9:00 a.m. Eastern time on October 23, 2026
Ameris Bancorp reported second-quarter 2026 net income of $51.4 million, or $0.77 per diluted share, down from $109.8 million, or $1.60, a year earlier. The decline reflects an $82.5 million litigation expense accrual tied to a California employment jury verdict. Excluding that accrual and a securities gain, adjusted net income was $107.3 million, or $1.60 per diluted share, compared with $1.59 a year earlier.
GAAP net income of $51.4 million, or $0.77 per diluted share, versus $109.8 million, or $1.60, in Q2 2025
Adjusted net income of $107.3 million, or $1.60 per diluted share, versus $109.4 million, or $1.59, in Q2 2025
Noninterest expense of $242.7 million included an $82.5 million litigation accrual tied to a California employment jury verdict
Net interest margin was 3.88%, unchanged from Q1 2026; loans grew $349.9 million in the quarter
Ameris Bancorp reported first-quarter 2026 net income of $110.5 million, or $1.63 per diluted share, up from $87.9 million, or $1.27 per diluted share, a year earlier. Net interest margin widened to 3.88% and the efficiency ratio improved to 49.97%, and the company repurchased $74.9 million of its common stock in the quarter. Net income also edged up from $108.4 million in the fourth quarter of 2025, although noninterest expense rose 9.8% from that quarter.
Net income of $110.5 million, or $1.63 per diluted share, for the quarter ended March 31, 2026, versus $87.9 million, or $1.27 per diluted share, a year earlier
Net interest margin of 3.88%, up 15 basis points from 3.73% in the first quarter of 2025
Efficiency ratio of 49.97%, compared with 52.83% in the first quarter of 2025; noninterest expense rose to $157.1 million from $143.1 million in the fourth quarter of 2025
Repurchased 950,400 shares for $74.9 million in the quarter; earnings call set for 9:00 a.m. Eastern on April 24, 2026
Ameris Bancorp said its Corporate Executive Vice President and Chief Strategy Officer, James A. LaHaise, will retire effective April 30, 2026, under a Retirement Agreement signed February 19, 2026. The filing says he will provide transition services for three months after retirement and that his SERP benefit depends on signing and not revoking an updated release.
James A. LaHaise, Chief Strategy Officer, retires effective April 30, 2026
Retirement Agreement and Release signed February 19, 2026; he will provide transition services for three months after the Retirement Date
Annual retirement benefit of $100,000 per year for ten years under the SERP, conditional on a valid updated release
Outstanding restricted share and performance unit awards retained or forfeited under the 2021 Omnibus Equity Incentive Plan terms, without modification
Ameris Bancorp reported unaudited fourth-quarter 2025 net income of $108.4 million, or $1.59 per diluted share, compared with $94.4 million, or $1.37 per diluted share, a year earlier. For full-year 2025, net income was $412.2 million, or $6.00 per diluted share, up from $358.7 million, or $5.19, in 2024, with net interest income growth cited as the main driver. The filing contains no earnings guidance.
Q4 2025 net income $108.4 million, $1.59 per diluted share, versus $94.4 million, $1.37 in Q4 2024
Full-year 2025 net income $412.2 million, $6.00 per diluted share, versus $358.7 million, $5.19 in 2024
Q4 2025 net interest margin (TE) 3.85%, up from 3.80% in Q3 2025 and 3.64% in Q4 2024
Q4 2025 noninterest income fell to $61.8 million from $76.3 million in Q3 2025; tangible book value per share $44.18 at December 31, 2025
Ameris Bancorp reported unaudited third-quarter 2025 net income of $106.0 million, or $1.54 per diluted share, up from $99.2 million, or $1.44 per diluted share, a year earlier. Net interest income and noninterest income both rose from the second quarter, while the provision for credit losses increased to $22.6 million from $2.8 million. The board also authorized repurchases of up to $200 million of common stock through October 31, 2026, with timing and amount dependent on several factors.
Net income of $106.0 million, or $1.54 per diluted share, versus $99.2 million, or $1.44, in Q3 2024
Net interest margin of 3.80%, up from 3.51% in Q3 2024
Provision for credit losses of $22.6 million, versus $2.8 million in Q2 2025
Board authorized repurchases of up to $200 million of common stock through October 31, 2026
Ameris Bancorp reported second-quarter 2025 net income of $109.8 million, or $1.60 per diluted share, up from $90.8 million, or $1.32 per diluted share, a year earlier. Quarterly profit also rose from $87.9 million in the first quarter, and tangible book value per share reached $41.32 at June 30, 2025, which shareholders can compare with the company's results for the year ahead.
Q2 2025 net income of $109.8 million, or $1.60 per diluted share, versus $90.8 million, or $1.32, in Q2 2024
Q1 2025 net income was $87.9 million, or $1.27 per diluted share
Tangible book value per share was $41.32 at June 30, 2025, up from $39.78 at March 31, 2025
Company will redeem $74 million of its 5.875% Fixed-To-Floating Rate Subordinated Notes due 2030 on September 1, 2025
Ameris Bancorp reported first-quarter 2025 net income of $87.9 million, or $1.27 per diluted share, up from $74.3 million, or $1.08 per diluted share, in the first quarter of 2024, but down from $94.4 million, or $1.37 per diluted share, in the fourth quarter of 2024. Net interest margin widened to 3.73%, while noninterest income fell to $64.0 million from $69.0 million in the prior quarter. Tangible book value per share rose $1.19 to $39.78, and the company repurchased 253,400 shares during the quarter.
Net income $87.9 million, or $1.27 diluted EPS, versus $74.3 million, or $1.08, in Q1 2024 and $94.4 million, or $1.37, in Q4 2024
Net interest margin of 3.73%, up 22 basis points from 3.51% in Q1 2024; net interest income (TE) of $222.8 million
Provision for credit losses of $21.9 million, compared with $12.8 million in Q4 2024; noninterest income of $64.0 million versus $69.0 million
Tangible book value per share of $39.78, up $1.19 in the quarter; 253,400 shares repurchased; earnings call set for 9:00 a.m. Eastern on April 29, 2025
Ameris Bancorp reported fourth-quarter 2024 net income of $94.4 million, or $1.37 per diluted share, up from $65.9 million, or $0.96 per diluted share, a year earlier. Full-year 2024 net income was $358.7 million, or $5.19 per diluted share, compared with $269.1 million, or $3.89 per diluted share, in 2023. The company also raised its quarterly cash dividend to $0.20 per share from $0.15.
Q4 2024 adjusted net income was $95.1 million, or $1.38 per diluted share, compared with $73.6 million, or $1.07, in Q4 2023
Full-year 2024 net income of $358.7 million compared with $269.1 million in 2023
Quarterly dividend increased by $0.05, or 33.3%, to $0.20 per common share
Q4 net interest margin was 3.64%, up 13 basis points from 3.51% in Q3 2024; no shares were repurchased in Q4
Ameris Bancorp reported unaudited third-quarter 2024 net income of $99.2 million, or $1.44 per diluted share, up from $80.1 million, or $1.16 per share, a year earlier. Net interest income rose 3.0% year over year, but noninterest income fell 21.4% from the second quarter and the net interest margin narrowed to 3.51%. The company also authorized a $100.0 million share repurchase program on October 18, 2024.
Q3 2024 net income was $99.2 million, or $1.44 per diluted share, versus $90.8 million, or $1.32 per share, in Q2 2024
Adjusted net income was $95.2 million, or $1.38 per diluted share, excluding a $5.2 million gain on mortgage servicing rights sale and natural disaster expenses
Net interest margin was 3.51%, down from 3.58% in Q2 2024; noninterest income was $69.7 million, down from $88.7 million
Board authorized repurchases of up to $100.0 million of common stock on October 18, 2024, running through October 31, 2025
Ameris Bancorp reported unaudited second-quarter 2024 results on July 25, 2024, with net income of $90.8 million, or $1.32 per diluted share, up from $62.6 million, or $0.91 per diluted share, a year earlier. Excluding certain gains, charges and tax items, adjusted net income was $80.8 million, or $1.17 per diluted share. Management will discuss the results on a teleconference at 9:00 a.m. Eastern time on July 26, 2024.
Net income of $90.8 million, or $1.32 per diluted share, for the quarter ended June 30, 2024, compared with $62.6 million, or $0.91 per diluted share, a year earlier.
Adjusted net income of $80.8 million, or $1.17 per diluted share, excluding items including a $12.6 million gain on conversion of Visa Class B-1 shares and a $4.8 million BOLI-related tax expense.
Net interest margin of 3.58%, up from 3.51% in the first quarter of 2024.
Tangible book value per share of $35.79 at June 30, 2024, up $1.27 in the quarter.
Ameris Bancorp notified Nasdaq on July 12, 2024 that it will voluntarily withdraw its common stock listing and transfer it to the New York Stock Exchange. The stock will keep the ABCB ticker and is expected to stop trading on Nasdaq at market close on July 22, 2024, and begin trading on the NYSE at market open on July 23, 2024. The filing does not report financial results, and the move does not change the company's share count or ticker.
Nasdaq listing expected to end at market close on July 22, 2024
NYSE listing expected to begin at market open on July 23, 2024
Common stock keeps the ticker ABCB; executives and board will ring the NYSE Opening Bell on July 23, 2024
Ameris manages $25.7 billion in assets as of March 31, 2024
Ameris Bancorp reported unaudited first-quarter 2024 results on April 25, 2024, with net income of $74.3 million, or $1.08 per diluted share, up from $60.4 million, or $0.87 per diluted share, a year earlier. Adjusted net income, which excludes the FDIC special assessment and a gain on bank owned life insurance proceeds, was $75.6 million, or $1.10 per diluted share. Net interest margin narrowed to 3.51% from 3.76% a year earlier, as rising deposit costs weighed on interest income.
Net income $74.3 million, or $1.08 per diluted share, for the quarter ended March 31, 2024, versus $60.4 million, or $0.87, a year earlier
Adjusted net income $75.6 million, or $1.10 per diluted share, excluding the FDIC special assessment and BOLI gain
Net interest margin 3.51%, down from 3.54% in the fourth quarter of 2023 and 3.76% in the first quarter of 2023
Investor teleconference scheduled for 9:00 a.m. Eastern time on April 26, 2024
Effective February 7, 2024, Ameris Bancorp increased its board from 13 to 14 directors and appointed Claire E. McLean, age 44, as a director. Her initial term expires at the company's 2024 annual meeting, and she has not yet been named to any board committee.
Board size increased from 13 to 14 directors, effective February 7, 2024
Claire E. McLean, age 44, appointed director effective February 7, 2024; term expires at the 2024 annual shareholder meeting
McLean was a Managing Director at Ernst & Young LLP's Assurance Services practice from July 2018 until September 2023
She is Chief Operating Officer and Executive Vice President of Preferred Capital Securities, LLC, a role she began in September 2023
Ameris Bancorp reported unaudited fourth-quarter and full-year 2023 results. Net income declined from a year earlier in both periods, as mortgage banking activity fell and the quarter included an $11.6 million FDIC special assessment, while tangible book value per share rose to $33.64. The release does not include forward earnings guidance, and the company said credit quality remains strong.
Q4 2023 net income was $65.9 million, or $0.96 per diluted share, versus $82.2 million, or $1.18, in Q4 2022.
Q4 2023 adjusted net income was $73.6 million, or $1.07 per diluted share, versus $1.17 in Q4 2022.
Full-year 2023 net income was $269.1 million, or $3.89 per diluted share, versus $346.5 million, or $4.99, in 2022.
Full-year 2023 noninterest income fell 14.6% to $242.8 million, mainly due to lower mortgage banking activity.
Ameris Bancorp reported unaudited third-quarter 2023 net income of $80.1 million, or $1.16 per diluted share, up from $62.6 million ($0.91) in the second quarter but down from $92.6 million ($1.34) in the third quarter of 2022. The board also authorized up to $100.0 million in share repurchases through October 31, 2024, and the company will discuss results on a call on October 27, 2023.
Net income of $80.1 million, or $1.16 per diluted share, versus $62.6 million ($0.91) in Q2 2023 and $92.6 million ($1.34) in Q3 2022
Net interest margin fell to 3.54% from 3.97% a year earlier, which the company attributed mainly to rising deposit costs
Board authorized repurchases of up to $100.0 million of common stock, effective through October 31, 2024
Tangible book value per share was $32.38 at September 30, 2023, up from $28.62 a year earlier
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