Ameris Bancorp Announces Second Quarter 2026 Financial Results

Highlights of Ameris’s results for the second quarter of 2026 include the following: Net income of $51.4 million, or $0.77 per diluted share Adjusted net income of $107.3 million, or $1.60 per diluted share Return on average assets ("ROA") of 0.73%; Adjusted ROA(1) of 1.53% Return on average tangible common equity(1) ("ROTCE") of 6.75%; Adjusted ROTCE of 14.08% Revenue growth of 14.9% annualized Stable net interest margin (TE) of 3.88% Efficiency ratio of 74.45% with adjusted efficiency ratio(1) lower at 50.42% Growth in average earning assets of $544.6 million, or 8.5% annualized Loan growth of $349.9 million, or 6.4% annualized Noninterest-bearing deposit mix improvement to 30.0% of total deposits Annualized net charge-off decline to 0.20% of average total loans Tangible book value(1) growth of $0.31 per share, or 2.8% annualized, to $45.10 at June 30, 2026 Share repurchases totaling $19.0 million, or 226,600 shares, during the quarter Ameris Bancorp (NYSE: ABCB) (the “Company” or “Ameris”) today reported net income of $51.4 million, or $0.77 per diluted share, for the quarter ended June 30, 2026, compared with $109.8 million, or $1.60 per diluted share, for the quarter ended June 30, 2025. Excluding a litigation accrual and gain on the sale of securities, adjusted net income(1) was $107.3 million, or $1.60 per diluted share, for the quarter ended June 30, 2026, compared with $109.4 million, or $1.59 per diluted share, for the quarter ended June 30, 2025. For the year-to-date period ending June 30, 2026, the Company reported net income of $161.9 million, or $2.40 per diluted share, compared with $197.8 million, or $2.87 per diluted share, for the same period in 2025. Adjusted net income(1) for the six months ended June 30, 2026 was $217.8 million, or $3.23 per diluted share, compared with $197.5 million, or $2.87 per diluted share, for the same period in 2025. Commenting on the Company’s results, Palmer Proctor, the Company’s Chief Executive Officer, said, “Ameris delivered another quarter of strong underlying operating performance, underscoring the resilience of our franchise and the earning power of our business and reflecting the consistency of our long-term strategy and disciplined execution across the organization. We generated a return on assets of 1.53% on an adjusted basis, maintained a stable net interest margin of 3.88% and delivered annualized earning asset growth of 8.5%. We continued to build long-term shareholder value through a relentless focus on profitable growth and a high-quality balance sheet funded with 30% noninterest bearing deposits and tangible common equity exceeding 11%. During the quarter, we were pleased to announce our expansion into the Nashville market, another important step in extending our high-performing Southeast franchise and creating additional opportunities for profitable growth.” Net Interest Income and Net Interest Margin Net interest income on a tax-equivalent basis (TE) was $253.4 million in the second quarter of 2026, an increase of $8.1 million, or 3.3%, from last quarter and $20.7 million, or 8.9%, compared with the second quarter of 2025. The Company's average earning assets increased during the quarter by $544.6 million, or 8.5% annualized, primarily due to an increase of $356.9 million in average portfolio loans outstanding and an increase of $170.9 million in the average balance of investment securities. The Company's net interest margin was stable at 3.88% for the second quarter of 2026, unchanged from the first quarter of 2026 and an 11 basis point improvement from the 3.77% reported for the second quarter of 2025. Yields on earning assets increased four basis points during the quarter to 5.61%, compared with 5.57% in the first quarter of 2026. This increase is primarily related to a 40 basis point increase in yield on taxable investment securities and a 12 basis point increase in yield on loans held for sale, partially offset by a one-basis point decrease in yield on portfolio loans outstanding during the second quarter of 2026. The Company’s total cost of funds increased three basis points to 1.91% in the second quarter of 2026, compared with 1.88% in the first quarter of 2026, and improved 15 basis points compared with the second quarter of 2025. Deposit costs increased one-basis point during the second quarter of 2026 to 1.77%, compared with 1.76% in the first quarter of 2026. Costs of interest-bearing deposits during the quarter were 2.52%, an increase of two-basis points compared with the first quarter of 2026. Noninterest Income Noninterest income increased $3.6 million, or 5.2%, in the second quarter of 2026 to $73.5 million, compared with $69.9 million for the first quarter of 2026, driven primarily by a $7.4 million securities gain. Mortgage banking activity decreased $4.5 million, or 12.1%, to $32.5 million in the second quarter of 2026, compared with $37.0 million for the first quarter of 2026. Total production in the retail mortgage division increased $65.2 million, or 6.0%, to $1.15 billion in the second quarter of 2026, compared with $1.09 billion for the first quarter of 2026. The retail mortgage open pipeline was $609.3 million at the end of the second quarter of 2026, compared with $632.7 million at the end of the first quarter of 2026. Gain on sale spreads decreased to 2.04% in the second quarter of 2026 from 2.08% for the first quarter of 2026. Gain on securities was $7.4 million for the second quarter of 2026, primarily resulting from a gain on the conversion of Visa Class B-2 shares during the quarter and related gain on sale and mark-to-market adjustments. Other noninterest income increased $437,000, or 4.8%, in the second quarter of 2026 to $9.6 million, compared with $9.1 million for the first quarter of 2026. Noninterest Expense Noninterest expense increased $85.6 million, or 54.5%, to $242.7 million during the second quarter of 2026, compared with $157.1 million for the first quarter of 2026. The increase was driven by a litigation expense accrual of $82.5 million related to a jury verdict in an employment case in California. Adjusted noninterest expense(1) increased $3.1 million, or 2.0%, compared with the first quarter of 2026, primarily due to increased legal expenses and charitable donations. Management continues to focus on delivering high performing operating efficiency, with an adjusted efficiency ratio(1) of 50.42% in the second quarter of 2026, compared with 49.97% in the first quarter of 2026 and 51.74% in the second quarter of 2025. Income Tax Expense The Company's effective tax rate for the second quarter of 2026 was 22.1%, compared with 21.5% for the first quarter of 2026. The increased rate resulted primarily from a decline in the excess benefit from share-based compensation awards compared with the first quarter of 2026. Balance Sheet Trends Total assets at June 30, 2026 were $28.49 billion, compared with $28.11 billion at March 31, 2026 and $27.52 billion at December 31, 2025. During the second quarter of 2026, loans, net of unearned income, increased by $349.9 million, or 6.4% annualized. Loans held for sale decreased to $482.2 million at June 30, 2026 from $623.2 million at December 31, 2025. Debt securities available-for-sale amounted to $2.46 billion, compared with $2.35 billion at March 31, 2026 and $2.21 billion at December 31, 2025. At June 30, 2026, total deposits amounted to $22.59 billion, compared with $22.38 billion at December 31, 2025. Average deposits in the second quarter of 2026 increased $243.4 million, or 4.4% annualized; however, end of period balances decreased $49.2 million, with noninterest bearing deposits increasing $33.9 million and interest bearing decreasing $83.1 million. Non-brokered, non-public fund deposits decreased $112.2 million, seasonal outflows of public funds totaled $111.0 million and brokered CDs increased $174.0 million. Noninterest-bearing accounts as a percentage of total deposits increased, such that at June 30, 2026, noninterest-bearing deposit accounts represented $6.78 billion, or 30.0% of total deposits, compared with $6.43 billion, or 28.7% of total deposits, at December 31, 2025. Shareholders’ equity at June 30, 2026 totaled $4.09 billion, an increase of $14.5 million, or 0.4%, from December 31, 2025. The increase in shareholders’ equity was primarily the result of earnings of $161.9 million during the first six months of 2026, largely offset by share repurchases, dividends declared and a decrease in accumulated other comprehensive income of $24.8 million resulting from changes in interest rates on the Company's investment portfolio. Tangible book value per share(1) increased $0.92 per share, or 4.2% annualized, during the first six months of 2026 to $45.10 at June 30, 2026. Tangible common equity as a percentage of tangible assets was 11.04% at June 30, 2026, compared with 11.37% at the end of 2025. The Company repurchased 226,600 shares of its common stock during the quarter ending June 30, 2026. Credit Quality During the second quarter of 2026, the Company recorded a provision for credit losses of $17.3 million, compared with a provision of $16.6 million in the first quarter of 2026. The allowance for credit losses on loans was 1.62% of loans at June 30, 2026, unchanged from the end of 2025. Nonperforming assets as a percentage of total assets increased two basis points to 0.47% during the quarter. Approximately $33.7 million, or 25.4%, of the nonperforming assets at June 30, 2026 were GNMA-guaranteed mortgage loans, which present minimal loss exposure for the Company. Excluding these government-guaranteed loans, nonperforming assets as a percentage of total assets increased two basis points to 0.35% at June 30, 2026, compared with 0.33% at the end of the first quarter of 2026. The net charge-off ratio was 20 basis points for the second quarter of 2026, compared with 21 basis points for the first quarter of 2026. Conference Call The Company will host a teleconference at 9:00 a.m. Eastern time on Friday, July 24, 2026, to discuss the Company's results and answer appropriate questions. The conference call can be accessed by dialing 1-844-481-2939. The conference call ID is Ameris Bancorp. A replay of the call will be available beginning one hour after the end of the conference call until July 31, 2026. To listen to the replay, dial 1-855-669-9658. The conference replay access code is 7503680. The financial information discussed will be available on the Investor Relations page of the Ameris Bank website at ir.amerisbank.com. Participants also may listen to a live webcast of the presentation by visiting the link on the Investor Relations page of the Ameris Bank website. About Ameris Bancorp Ameris Bancorp is the parent of Ameris Bank, a state-chartered bank headquartered in Atlanta, Georgia. Ameris operates financial centers in five southeastern states and also serves consumer and business customers nationwide through select lending channels. Ameris manages $28.5 billion in assets as of June 30, 2026, and provides a full range of traditional banking and lending products, treasury and cash management, insurance premium financing, and mortgage and refinancing services. Learn more about Ameris at www.amerisbank.com. (1) Considered non-GAAP financial measure - See reconciliation of GAAP to non-GAAP financial measures in tables 9A - 9D. This news release contains certain performance measures determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The Company’s management uses these non-GAAP financial measures in its analysis of the Company’s performance. These measures are useful when evaluating the underlying performance and efficiency of the Company’s operations and balance sheet. The Company’s management believes that these non-GAAP financial measures provide a greater understanding of ongoing operations, enhance comparability of results with prior periods and demonstrate the effects of significant gains and charges in the current period. The Company’s management believes that investors may use these non-GAAP financial measures to evaluate the Company’s financial performance without the impact of unusual items that may obscure trends in the Company’s underlying performance. These disclosures should not be viewed as a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP financial measures that may be presented by other companies. This news release contains forward-looking statements, as defined by federal securities laws, including, among other forward-looking statements, certain plans, expectations and goals. Words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential” or the negative of these terms or other comparable terminology, as well as similar expressions, are meant to identify forward-looking statements. The forward-looking statements in this news release are based on management's opinions only as of the date hereof and are provided to assist in the understanding of potential future performance. Such forward-looking statements involve numerous assumptions, risks and uncertainties that may cause actual results to differ materially from those expressed or implied in any such statements, including, without limitation, the following: general competitive, economic, unemployment, political and market conditions and fluctuations, including real estate market conditions, and the effects of such conditions and fluctuations on the creditworthiness and payment behavior of borrowers, collateral values, asset recovery values and the value of investment securities; movements in interest rates and their impacts on net interest margin, investment security valuations and other performance measures; expectations on credit quality and performance; legislative and regulatory changes; changes in U.S. government trade, monetary and fiscal policies, including tariffs; competitive pressures on product pricing and services; fraud, theft or other misconduct impacting our customers or operations; cybersecurity risks, including data breaches, malware, ransomware and account takeover; the success and timing of our business strategies and plans; our outlook and long-term goals for future growth; and natural disasters, geopolitical events, acts of war or terrorism or other hostilities, public health crises and other catastrophic events beyond our control. For a discussion of some of the other risks and other factors that may cause such forward-looking statements to differ materially from actual results, please refer to the Company’s filings with the Securities and Exchange Commission, including the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 and the Company's subsequently filed periodic reports and other filings. Forward-looking statements speak only as of the date they are made, and the Company undertakes no obligation to update or revise forward-looking statements except as required by law. AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Financial Highlights Table 1 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands except per share data) 2026 2026 2025 2025 2025 2026 2025 EARNINGS Net income $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 109,834 $ 161,938 $ 197,769 Adjusted net income(1) $ 107,309 $ 110,492 $ 108,838 $ 104,040 $ 109,444 $ 217,801 $ 197,470 COMMON SHARE DATA Earnings per share available to common shareholders Basic $ 0.77 $ 1.64 $ 1.59 $ 1.55 $ 1.60 $ 2.41 $ 2.88 Diluted $ 0.77 $ 1.63 $ 1.59 $ 1.54 $ 1.60 $ 2.40 $ 2.87 Adjusted diluted EPS(1) $ 1.60 $ 1.63 $ 1.59 $ 1.52 $ 1.59 $ 3.23 $ 2.87 Cash dividends per share $ 0.20 $ 0.20 $ 0.20 $ 0.20 $ 0.20 $ 0.40 $ 0.40 Book value per share (period end) $ 60.96 $ 60.64 $ 59.92 $ 58.56 $ 57.02 $ 60.96 $ 57.02 Tangible book value per share (period end)(1) $ 45.10 $ 44.79 $ 44.18 $ 42.90 $ 41.32 $ 45.10 $ 41.32 Weighted average number of shares Basic 66,883,935 67,540,444 68,022,346 68,401,737 68,594,608 67,210,376 68,689,506 Diluted 67,099,941 67,766,997 68,328,365 68,665,669 68,796,577 67,430,193 68,912,750 Period end number of shares 67,106,587 67,320,298 68,022,316 68,587,742 68,711,043 67,106,587 68,711,043 Market data High intraday price $ 91.41 $ 87.98 $ 78.99 $ 76.58 $ 65.43 $ 91.41 $ 68.85 Low intraday price $ 77.01 $ 73.20 $ 68.80 $ 64.30 $ 48.27 $ 73.20 $ 48.27 Period end closing price $ 90.26 $ 77.99 $ 74.27 $ 73.31 $ 64.70 $ 90.26 $ 64.70 Average daily volume 531,184 558,814 448,341 435,766 416,355 544,887 423,428 PERFORMANCE RATIOS Return on average assets 0.73 % 1.62 % 1.57 % 1.56 % 1.65 % 1.17 % 1.51 % Adjusted return on average assets(1) 1.53 % 1.62 % 1.58 % 1.53 % 1.64 % 1.57 % 1.50 % Return on average common equity 5.00 % 10.91 % 10.63 % 10.61 % 11.40 % 7.94 % 10.41 % Adjusted return on average tangible common equity(1) 14.08 % 14.75 % 14.53 % 14.29 % 15.76 % 14.41 % 14.48 % Earning asset yield (TE) 5.61 % 5.57 % 5.61 % 5.66 % 5.64 % 5.59 % 5.63 % Total cost of funds 1.91 % 1.88 % 1.95 % 2.05 % 2.06 % 1.89 % 2.06 % Net interest margin (TE) 3.88 % 3.88 % 3.85 % 3.80 % 3.77 % 3.88 % 3.75 % Efficiency ratio 74.45 % 49.97 % 46.59 % 49.19 % 51.63 % 62.43 % 52.22 % Adjusted efficiency ratio(1) 50.42 % 49.97 % 46.68 % 49.62 % 51.74 % 50.19 % 52.25 % CAPITAL ADEQUACY (period end) Shareholders' equity to assets 14.36 % 14.52 % 14.81 % 14.82 % 14.68 % 14.36 % 14.68 % Tangible common equity to tangible assets(1) 11.04 % 11.15 % 11.37 % 11.31 % 11.09 % 11.04 % 11.09 % OTHER DATA (period end) Full time equivalent employees Banking Division 2,039 2,023 2,043 2,068 2,036 2,039 2,036 Retail Mortgage Division 516 528 538 546 550 516 550 Warehouse Lending Division 7 7 7 8 8 7 8 Premium Finance Division 88 84 85 78 78 88 78 Total Ameris Bancorp FTE headcount 2,650 2,642 2,673 2,700 2,672 2,650 2,672 Branch locations 163 163 163 164 164 163 164 Deposits per branch location $ 138,574 $ 138,876 $ 137,276 $ 135,537 $ 133,736 $ 138,574 $ 133,736 (1)Considered non-GAAP financial measure - See reconciliation of GAAP to non-GAAP financial measures in tables 9A - 9D AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Income Statement Table 2 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands except per share data) 2026 2026 2025 2025 2025 2026 2025 Interest income Interest and fees on loans $ 326,705 $ 317,883 $ 323,833 $ 321,457 $ 315,893 $ 644,588 $ 620,061 Interest on taxable securities 30,217 25,474 24,886 23,253 20,696 55,691 39,188 Interest on nontaxable securities 383 374 422 343 334 757 663 Interest on deposits in other banks 8,270 8,040 8,922 9,993 10,715 16,310 21,504 Total interest income 365,575 351,771 358,063 355,046 347,638 717,346 681,416 Interest expense Interest on deposits 98,995 96,227 105,314 106,851 106,796 195,222 212,011 Interest on other borrowings 14,096 11,108 7,442 10,231 9,029 25,204 15,753 Total interest expense 113,091 107,335 112,756 117,082 115,825 220,426 227,764 Net interest income 252,484 244,436 245,307 237,964 231,813 496,920 453,652 Provision for loan losses 15,894 17,895 16,601 11,176 3,110 33,789 19,629 Provision for unfunded commitments 1,360 (1,338 ) 6,348 11,446 (335 ) 22 5,038 Provision for other credit losses (1 ) (6 ) 1 8 (3 ) (7 ) (3 ) Provision for credit losses 17,253 16,551 22,950 22,630 2,772 33,804 24,664 Net interest income after provision for credit losses 235,231 227,885 222,357 215,334 229,041 463,116 428,988 Noninterest income Service charges on deposit accounts 14,044 13,679 14,088 13,931 13,493 27,723 26,626 Mortgage banking activity 32,526 37,008 31,874 40,666 39,221 69,534 74,475 Other service charges, commissions and fees 1,065 1,027 1,102 1,124 1,158 2,092 2,267 Gain on securities 7,392 — 12 1,581 — 7,392 40 Equipment finance activity 8,948 9,086 8,434 8,858 6,572 18,034 13,270 Other noninterest income 9,557 9,120 6,317 10,114 8,467 18,677 16,256 Total noninterest income 73,532 69,920 61,827 76,274 68,911 143,452 132,934 Noninterest expense Salaries and employee benefits 91,494 91,366 81,997 90,948 89,308 182,860 175,923 Occupancy and equipment 12,555 11,625 11,321 11,524 11,401 24,180 22,078 Data processing and communications expenses 15,571 16,793 16,236 16,058 15,366 32,364 30,221 Credit resolution-related expenses(1) 798 509 953 770 657 1,307 1,422 Advertising and marketing 3,452 3,296 1,984 3,377 3,745 6,748 6,628 Amortization of intangible assets 3,114 3,393 3,879 3,879 4,076 6,507 8,179 Loan servicing expenses 7,205 7,380 7,267 8,142 7,897 14,585 15,720 Other noninterest expenses 108,525 22,718 19,453 19,868 22,810 131,243 46,123 Total noninterest expense 242,714 157,080 143,090 154,566 155,260 399,794 306,294 Income before income tax expense 66,049 140,725 141,094 137,042 142,692 206,774 255,628 Income tax expense 14,603 30,233 32,738 31,013 32,858 44,836 57,859 Net income $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 109,834 $ 161,938 $ 197,769 Diluted earnings per common share $ 0.77 $ 1.63 $ 1.59 $ 1.54 $ 1.60 $ 2.40 $ 2.87 (1) Includes expenses associated with problem loans and OREO, as well as OREO losses and writedowns. AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Period End Balance Sheet Table 3 Jun Mar Dec Sep Jun (dollars in thousands) 2026 2026 2025 2025 2025 Assets Cash and due from banks $ 237,431 $ 235,114 $ 253,807 $ 216,927 $ 249,676 Interest-bearing deposits in banks 959,682 1,094,185 835,113 826,237 920,594 Debt securities available-for-sale, at fair value 2,460,623 2,353,396 2,207,173 2,131,671 1,871,298 Debt securities held-to-maturity, at amortized cost 208,155 202,550 203,242 202,581 176,487 Other investments 123,871 100,718 85,443 70,644 69,910 Loans held for sale 482,220 496,629 623,152 604,136 544,091 Loans, net of unearned income 22,177,865 21,827,980 21,513,522 21,258,374 21,041,497 Allowance for credit losses (359,513 ) (354,682 ) (348,141 ) (345,294 ) (341,567 ) Loans, net 21,818,352 21,473,298 21,165,381 20,913,080 20,699,930 Other real estate owned 4,043 3,091 2,918 3,137 1,825 Premises and equipment, net 220,500 216,397 213,097 211,567 211,434 Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangible assets, net 48,317 51,430 54,824 58,703 62,582 Cash value of bank owned life insurance 427,789 424,164 420,583 417,096 414,381 Deferred income taxes, net — Other assets 482,214 443,317 435,500 428,404 442,299 Total assets $ 28,488,843 $ 28,109,935 $ 27,515,879 $ 27,099,829 $ 26,680,153 Liabilities Deposits Noninterest-bearing $ 6,782,882 $ 6,748,976 $ 6,426,145 $ 6,757,233 $ 6,800,519 Interest-bearing 15,804,691 15,887,764 15,949,850 15,470,845 15,132,156 Total deposits 22,587,573 22,636,740 22,375,995 22,228,078 21,932,675 Other borrowings 1,250,049 887,974 558,039 337,094 376,700 Subordinated deferrable interest debentures 135,299 134,801 134,302 133,804 133,306 Other liabilities 425,345 368,293 371,515 384,152 319,794 Total liabilities 24,398,266 24,027,808 23,439,851 23,083,128 22,762,475 Shareholders' Equity Preferred stock — — — — — Common stock 73,265 73,252 72,898 72,900 72,897 Capital stock 1,978,573 1,973,881 1,971,131 1,968,124 1,964,896 Retained earnings 2,345,292 2,307,358 2,210,385 2,115,712 2,023,493 Accumulated other comprehensive income (loss), net of tax (16,508 ) (1,476 ) 8,312 5,171 (6,886 ) Treasury stock (290,045 ) (270,888 ) (186,698 ) (145,206 ) (136,722 ) Total shareholders' equity 4,090,577 4,082,127 4,076,028 4,016,701 3,917,678 Total liabilities and shareholders' equity $ 28,488,843 $ 28,109,935 $ 27,515,879 $ 27,099,829 $ 26,680,153 Other Data Earning assets $ 26,412,416 $ 26,075,458 $ 25,467,645 $ 25,093,643 $ 24,623,877 Intangible assets 1,063,963 1,067,076 1,070,470 1,074,349 1,078,228 Interest-bearing liabilities 17,190,039 16,910,539 16,642,191 15,941,743 15,642,162 Average assets 28,210,184 27,672,313 27,394,953 26,972,134 26,757,322 Average common shareholders' equity 4,122,923 4,107,670 4,044,338 3,964,207 3,865,031 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Asset Quality Information Table 4 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands) 2026 2026 2025 2025 2025 2026 2025 Allowance for Credit Losses Balance at beginning of period $ 406,755 $ 401,558 $ 392,362 $ 377,181 $ 381,507 $ 401,558 $ 368,663 Provision for loan losses 15,894 17,895 16,601 11,176 3,110 33,789 19,629 Provision for unfunded commitments 1,360 (1,338 ) 6,348 11,446 (335 ) 22 5,038 Provision for other credit losses (1 ) (6 ) 1 8 (3 ) (7 ) (3 ) Provision for credit losses 17,253 16,551 22,950 22,630 2,772 33,804 24,664 Charge-offs 16,616 17,527 19,575 13,631 14,227 34,143 29,610 Recoveries 5,553 6,173 5,821 6,182 7,129 11,726 13,464 Net charge-offs (recoveries) 11,063 11,354 13,754 7,449 7,098 22,417 16,146 Ending balance $ 412,945 $ 406,755 $ 401,558 $ 392,362 $ 377,181 $ 412,945 $ 377,181 Allowance for loan losses $ 359,513 $ 354,682 $ 348,141 $ 345,294 $ 341,567 $ 359,513 $ 341,567 Allowance for unfunded commitments 53,364 52,004 53,342 46,994 35,548 53,364 35,548 Allowance for other credit losses 68 69 75 74 66 68 66 Total allowance for credit losses $ 412,945 $ 406,755 $ 401,558 $ 392,362 $ 377,181 $ 412,945 $ 377,181 Non-Performing Assets Nonaccrual portfolio loans $ 86,819 $ 81,969 $ 84,711 $ 77,257 $ 75,286 $ 86,819 $ 75,286 Other real estate owned 4,043 3,091 2,918 3,137 1,825 4,043 1,825 Repossessed assets — 4 4 3 2 — 2 Accruing loans delinquent 90 days or more 8,364 8,230 8,492 9,325 8,415 8,364 8,415 Non-performing portfolio assets $ 99,226 $ 93,294 $ 96,125 $ 89,722 $ 85,528 $ 99,226 $ 85,528 Serviced GNMA-guaranteed mortgage nonaccrual loans 33,707 34,489 24,347 19,706 11,733 33,707 11,733 Total non-performing assets $ 132,933 $ 127,783 $ 120,472 $ 109,428 $ 97,261 $ 132,933 $ 97,261 Asset Quality Ratios Non-performing portfolio assets as a percent of total assets 0.35 % 0.33 % 0.35 % 0.33 % 0.32 % 0.35 % 0.32 % Total non-performing assets as a percent of total assets 0.47 % 0.45 % 0.44 % 0.40 % 0.36 % 0.47 % 0.36 % Net charge-offs as a percent of average loans (annualized) 0.20 % 0.21 % 0.26 % 0.14 % 0.14 % 0.21 % 0.16 % AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Loan Information Table 5 Jun Mar Dec Sep Jun (dollars in thousands) 2026 2026 2025 2025 2025 Loans by Type Commercial and industrial $ 3,453,501 $ 3,400,837 $ 3,288,505 $ 3,299,269 $ 3,184,211 Consumer 157,252 166,652 180,010 202,688 209,990 Mortgage warehouse 1,345,808 1,232,103 1,150,782 1,083,941 1,092,475 Municipal 415,396 420,775 434,234 437,823 436,759 Premium Finance 1,534,445 1,365,018 1,306,267 1,358,259 1,294,293 Real estate - construction and development 1,702,983 1,564,242 1,469,250 1,411,178 1,485,842 Real estate - commercial and farmland 9,243,359 9,364,885 9,311,405 9,054,927 8,877,750 Real estate - residential 4,325,121 4,313,468 4,373,069 4,410,289 4,460,177 Total loans $ 22,177,865 $ 21,827,980 $ 21,513,522 $ 21,258,374 $ 21,041,497 Loans by Risk Grade Pass $ 21,942,518 $ 21,598,675 $ 21,305,745 $ 21,058,458 $ 20,820,888 Other assets especially mentioned 61,021 49,359 39,709 37,236 66,677 Substandard 174,326 179,946 168,068 162,680 153,932 Total loans $ 22,177,865 $ 21,827,980 $ 21,513,522 $ 21,258,374 $ 21,041,497 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Average Balances Table 6 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands) 2026 2026 2025 2025 2025 2026 2025 Earning Assets Interest-bearing deposits in banks $ 883,521 $ 879,724 $ 884,149 $ 883,976 $ 951,851 $ 881,633 $ 965,930 Debt securities - taxable 2,703,887 2,532,669 2,432,934 2,282,470 2,117,596 2,618,751 2,058,241 Debt securities - nontaxable 44,914 45,241 45,237 44,823 41,299 45,077 41,344 Loans held for sale 629,469 616,530 758,588 706,679 730,770 623,035 648,607 Loans 21,947,729 21,590,793 21,278,859 21,038,350 20,928,825 21,770,247 20,775,652 Total Earning Assets $ 26,209,520 $ 25,664,957 $ 25,399,767 $ 24,956,298 $ 24,770,341 $ 25,938,743 $ 24,489,774 Deposits Noninterest-bearing deposits $ 6,695,490 $ 6,547,843 $ 6,668,120 $ 6,849,129 $ 6,766,557 $ 6,622,075 $ 6,645,340 NOW accounts 4,212,047 4,195,369 4,052,397 3,900,999 3,939,802 4,203,754 3,963,995 MMDA 7,072,892 7,189,981 7,347,897 6,977,134 6,918,382 7,131,112 6,914,988 Savings accounts 774,903 760,258 754,439 756,383 766,331 767,621 766,738 Retail CDs 2,250,844 2,268,935 2,325,456 2,344,084 2,393,402 2,259,840 2,415,067 Brokered CDs 1,420,811 1,221,181 1,249,020 1,070,735 1,145,043 1,321,548 1,054,409 Total Deposits 22,426,987 22,183,567 22,397,329 21,898,464 21,929,517 22,305,950 21,760,537 Non-Deposit Funding Federal funds purchased and securities sold under agreements to repurchase — 1 — 1 — 1 — FHLB advances 1,171,702 871,128 423,669 443,243 326,054 1,022,245 238,283 Other borrowings 9,768 9,899 9,920 169,994 193,492 9,833 193,493 Subordinated deferrable interest debentures 135,037 134,537 134,041 133,541 133,043 134,789 132,795 Total Non-Deposit Funding 1,316,507 1,015,565 567,630 746,779 652,589 1,166,868 564,571 Total Funding $ 23,743,494 $ 23,199,132 $ 22,964,959 $ 22,645,243 $ 22,582,106 $ 23,472,818 $ 22,325,108 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Interest Income and Interest Expense (TE) Table 7 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands) 2026 2026 2025 2025 2025 2026 2025 Interest Income Interest-bearing deposits in banks $ 8,270 $ 8,040 $ 8,922 $ 9,993 $ 10,715 $ 16,310 $ 21,504 Debt securities - taxable 30,217 25,474 24,886 23,253 20,696 55,691 39,188 Debt securities - nontaxable (TE) 485 473 535 434 423 958 839 Loans held for sale 9,478 9,000 11,233 11,237 11,578 18,478 20,623 Loans (TE) 318,079 309,732 313,467 311,082 305,154 627,811 601,118 Total Earning Assets $ 366,529 $ 352,719 $ 359,043 $ 355,999 $ 348,566 $ 719,248 $ 683,272 Interest Expense Interest-Bearing Deposits NOW accounts $ 18,925 $ 18,106 $ 18,508 $ 18,230 $ 18,144 $ 37,031 $ 36,450 MMDA 47,070 46,737 52,455 54,657 53,469 93,807 105,730 Savings accounts 688 679 734 813 826 1,367 1,656 Retail CDs 18,531 18,958 20,567 21,253 21,852 37,489 45,097 Brokered CDs 13,781 11,747 13,050 11,898 12,505 25,528 23,078 Total Interest-Bearing Deposits 98,995 96,227 105,314 106,851 106,796 195,222 212,011 Non-Deposit Funding FHLB advances 11,182 8,179 4,347 4,863 3,508 19,361 4,870 Other borrowings 129 159 169 2,328 2,499 288 4,849 Subordinated deferrable interest debentures 2,785 2,770 2,926 3,040 3,022 5,555 6,034 Total Non-Deposit Funding 14,096 11,108 7,442 10,231 9,029 25,204 15,753 Total Interest-Bearing Funding $ 113,091 $ 107,335 $ 112,756 $ 117,082 $ 115,825 $ 220,426 $ 227,764 Net Interest Income (TE) $ 253,438 $ 245,384 $ 246,287 $ 238,917 $ 232,741 $ 498,822 $ 455,508 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Yields(1) Table 8 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun 2026 2026 2025 2025 2025 2026 2025 Earning Assets Interest-bearing deposits in banks 3.75 % 3.71 % 4.00 % 4.48 % 4.52 % 3.73 % 4.49 % Debt securities - taxable 4.48 % 4.08 % 4.06 % 4.04 % 3.92 % 4.29 % 3.84 % Debt securities - nontaxable (TE) 4.33 % 4.24 % 4.69 % 3.84 % 4.11 % 4.29 % 4.09 % Loans held for sale 6.04 % 5.92 % 5.87 % 6.31 % 6.35 % 5.98 % 6.41 % Loans (TE) 5.81 % 5.82 % 5.84 % 5.87 % 5.85 % 5.82 % 5.83 % Total Earning Assets 5.61 % 5.57 % 5.61 % 5.66 % 5.64 % 5.59 % 5.63 % Interest-Bearing Deposits NOW accounts 1.80 % 1.75 % 1.81 % 1.85 % 1.85 % 1.78 % 1.85 % MMDA 2.67 % 2.64 % 2.83 % 3.11 % 3.10 % 2.65 % 3.08 % Savings accounts 0.36 % 0.36 % 0.39 % 0.43 % 0.43 % 0.36 % 0.44 % Retail CDs 3.30 % 3.39 % 3.51 % 3.60 % 3.66 % 3.35 % 3.77 % Brokered CDs 3.89 % 3.90 % 4.15 % 4.41 % 4.38 % 3.90 % 4.41 % Total Interest-Bearing Deposits 2.52 % 2.50 % 2.66 % 2.82 % 2.83 % 2.51 % 2.83 % Non-Deposit Funding Federal funds purchased and securities sold under agreements to repurchase — % — % — % — % — % — % — % FHLB advances 3.83 % 3.81 % 4.07 % 4.35 % 4.32 % 3.82 % 4.12 % Other borrowings 5.30 % 6.51 % 6.76 % 5.43 % 5.18 % 5.91 % 5.05 % Subordinated deferrable interest debentures 8.27 % 8.35 % 8.66 % 9.03 % 9.11 % 8.31 % 9.16 % Total Non-Deposit Funding 4.29 % 4.44 % 5.20 % 5.44 % 5.55 % 4.36 % 5.63 % Total Interest-Bearing Liabilities 2.66 % 2.61 % 2.74 % 2.94 % 2.94 % 2.64 % 2.93 % Net Interest Spread 2.95 % 2.96 % 2.87 % 2.72 % 2.70 % 2.95 % 2.70 % Net Interest Margin(2) 3.88 % 3.88 % 3.85 % 3.80 % 3.77 % 3.88 % 3.75 % Total Cost of Funds(3) 1.91 % 1.88 % 1.95 % 2.05 % 2.06 % 1.89 % 2.06 % (1) Interest and average rates are calculated on a tax-equivalent basis using an effective tax rate of 21%. (2) Rate calculated based on average earning assets. (3) Rate calculated based on total average funding including noninterest-bearing deposits. AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Non-GAAP Reconciliations Adjusted Net Income Table 9A Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands except per share data) 2026 2026 2025 2025 2025 2026 2025 Net income available to common shareholders $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 109,834 $ 161,938 $ 197,769 Adjustment items: Litigation accrual 82,503 — — — — 82,503 — Loss (gain) on sale of MSR — — 1,127 (125 ) (356 ) — (342 ) Gain on securities (7,392 ) — (12 ) (1,581 ) — (7,392 ) (40 ) Servicing right impairment (recovery) — — 910 — — — — Gain on BOLI proceeds (846 ) — (220 ) (390 ) — (846 ) (11 ) FDIC special assessment — — (1,136 ) (318 ) (138 ) — — Tax effect of adjustment items (Note 1) (18,402 ) — (217 ) 495 121 (18,402 ) 94 After tax adjustment items 55,863 — 452 (1,919 ) (373 ) 55,863 (299 ) Adjusted net income $ 107,309 $ 110,492 $ 108,808 $ 104,110 $ 109,461 $ 217,801 $ 197,470 Weighted average number of shares - diluted 67,099,941 67,766,997 68,328,365 68,665,669 68,796,577 67,430,193 68,912,750 Net income per diluted share $ 0.77 $ 1.63 $ 1.59 $ 1.54 $ 1.60 $ 2.40 $ 2.87 Adjusted net income per diluted share $ 1.60 $ 1.63 $ 1.59 $ 1.52 $ 1.59 $ 3.23 $ 2.87 Average assets $ 28,210,184 $ 27,672,313 $ 27,394,953 $ 26,972,134 $ 26,757,322 $ 27,946,326 $ 26,494,831 Return on average assets 0.73 % 1.62 % 1.57 % 1.56 % 1.65 % 1.17 % 1.51 % Adjusted return on average assets 1.53 % 1.62 % 1.58 % 1.53 % 1.64 % 1.57 % 1.50 % Average common equity $ 4,122,923 $ 4,107,670 $ 4,044,338 $ 3,964,207 $ 3,865,031 $ 4,115,344 $ 3,831,775 Average tangible common equity $ 3,057,445 $ 3,039,019 $ 2,971,985 $ 2,887,961 $ 2,784,819 $ 3,048,288 $ 2,749,529 Return on average common equity 5.00 % 10.91 % 10.63 % 10.61 % 11.40 % 7.94 % 10.41 % Return on average tangible common equity 6.75 % 14.75 % 14.46 % 14.57 % 15.82 % 10.71 % 14.50 % Adjusted return on average tangible common equity 14.08 % 14.75 % 14.53 % 14.29 % 15.76 % 14.41 % 14.48 % Note 1: Tax effect is calculated utilizing a 24.5% rate for taxable adjustments. Gain on BOLI proceeds is non-taxable and no tax effect is included. AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Non-GAAP Reconciliations (continued) Adjusted Efficiency Ratio Table 9B Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands) 2026 2026 2025 2025 2025 2026 2025 Adjusted Noninterest Expense Total noninterest expense $ 242,714 $ 157,080 $ 143,090 $ 154,566 $ 155,260 $ 399,794 $ 306,294 Adjustment items: Litigation accrual (82,503 ) — — — — (82,503 ) — FDIC special assessment — — 1,136 318 138 — — Adjusted noninterest expense $ 160,211 $ 157,080 $ 144,226 $ 154,884 $ 155,398 $ 317,291 $ 306,294 Adjusted Total Revenue Net interest income $ 252,484 $ 244,436 $ 245,307 $ 237,964 $ 231,813 $ 496,920 $ 453,652 Noninterest income 73,532 69,920 61,827 76,274 68,911 143,452 132,934 Total revenue 326,016 314,356 307,134 314,238 300,724 $ 640,372 $ 586,586 Adjustment items: Gain on securities (7,392 ) — (12 ) (1,581 ) — (7,392 ) (40 ) (Gain)/loss on sale of MSR — — 1,127 (125 ) (356 ) — (342 ) Gain on BOLI proceeds (846 ) — (220 ) (390 ) — (846 ) (11 ) Servicing right impairment (recovery) — — 910 — — — — Adjusted total revenue $ 317,778 $ 314,356 $ 308,939 $ 312,142 $ 300,368 $ 632,134 $ 586,193 Efficiency ratio 74.45 % 49.97 % 46.59 % 49.19 % 51.63 % 62.43 % 52.22 % Adjusted efficiency ratio 50.42 % 49.97 % 46.68 % 49.62 % 51.74 % 50.19 % 52.25 % Tangible Book Value Per Share Table 9C Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands except per share data) 2026 2026 2025 2025 2025 2026 2025 Total shareholders' equity $ 4,090,577 $ 4,082,127 $ 4,076,028 $ 4,016,701 $ 3,917,678 $ 4,090,577 $ 3,917,678 Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 48,317 51,430 54,824 58,703 62,582 48,317 62,582 Total tangible shareholders' equity $ 3,026,614 $ 3,015,051 $ 3,005,558 $ 2,942,352 $ 2,839,450 $ 3,026,614 $ 2,839,450 Period end number of shares 67,106,587 67,320,298 68,022,316 68,587,742 68,711,043 67,106,587 68,711,043 Book value per share (period end) $ 60.96 $ 60.64 $ 59.92 $ 58.56 $ 57.02 $ 60.96 $ 57.02 Tangible book value per share (period end) $ 45.10 $ 44.79 $ 44.18 $ 42.90 $ 41.32 $ 45.10 $ 41.32 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Non-GAAP Reconciliations (continued) Tangible Common Equity to Tangible Assets ("TCE Ratio") Table 9D Jun Mar Dec Sep Jun (dollars in thousands except per share data) 2026 2026 2025 2025 2025 Total shareholders' equity $ 4,090,577 $ 4,082,127 $ 4,076,028 $ 4,016,701 $ 3,917,678 Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 48,317 51,430 54,824 58,703 62,582 Total tangible shareholders' equity $ 3,026,614 $ 3,015,051 $ 3,005,558 $ 2,942,352 $ 2,839,450 Total assets $ 28,488,843 $ 28,109,935 $ 27,515,879 $ 27,099,829 $ 26,680,153 Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 48,317 51,430 54,824 58,703 62,582 Total tangible assets $ 27,424,880 $ 27,042,859 $ 26,445,409 $ 26,025,480 $ 25,601,925 Equity to Assets 14.36 % 14.52 % 14.81 % 14.82 % 14.68 % Tangible Common Equity to Tangible Assets 11.04 % 11.15 % 11.37 % 11.31 % 11.09 % AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Segment Reporting Table 10 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands) 2026 2026 2025 2025 2025 2026 2025 Retail Mortgage Division Net interest income $ 15,844 $ 16,828 $ 19,312 $ 20,179 $ 22,031 $ 32,672 $ 43,875 Provision for credit losses (3,346 ) 3,074 (3,142 ) 529 1,010 (272 ) 6,201 Noninterest income 32,151 36,316 30,056 40,081 37,726 68,467 72,455 Noninterest expense Salaries and employee benefits 21,493 21,912 21,413 21,589 24,358 43,405 45,353 Occupancy and equipment expenses 685 649 754 760 811 1,334 1,640 Data processing and telecommunications expenses 1,302 1,224 1,315 1,232 1,391 2,526 2,688 Other noninterest expenses 11,587 12,532 11,547 12,480 12,496 24,119 24,459 Total noninterest expense 35,067 36,317 35,029 36,061 39,056 71,384 74,140 Income before income tax expense 16,274 13,753 17,481 23,670 19,691 30,027 35,989 Income tax expense 3,417 2,888 3,671 4,970 4,135 6,305 7,558 Net income $ 12,857 $ 10,865 $ 13,810 $ 18,700 $ 15,556 $ 23,722 $ 28,431 Warehouse Lending Division Net interest income $ 8,825 $ 7,594 $ 7,430 $ 7,474 $ 7,091 $ 16,419 $ 12,993 Provision for credit losses 184 177 129 23 369 361 194 Noninterest income 794 796 736 756 1,893 1,590 2,447 Noninterest expense Salaries and employee benefits 468 544 556 566 618 1,012 1,170 Occupancy and equipment expenses 7 8 7 7 7 15 14 Data processing and telecommunications expenses 59 35 54 57 59 94 97 Other noninterest expenses 184 179 195 195 96 363 366 Total noninterest expense 718 766 812 825 780 1,484 1,647 Income before income tax expense 8,717 7,447 7,225 7,382 7,835 16,164 13,599 Income tax expense 1,831 1,564 1,517 1,550 1,646 3,395 2,856 Net income $ 6,886 $ 5,883 $ 5,708 $ 5,832 $ 6,189 $ 12,769 $ 10,743 Premium Finance Division Net interest income $ 12,515 $ 11,647 $ 11,802 $ 12,251 $ 11,190 $ 24,162 $ 21,070 Provision for credit losses 417 1,447 926 461 716 1,864 1,172 Noninterest income 18 17 17 18 17 35 33 Noninterest expense Salaries and employee benefits 2,865 2,664 2,446 2,492 2,331 5,529 4,683 Occupancy and equipment expenses 40 38 37 39 36 78 73 Data processing and telecommunications expenses 169 186 106 101 91 355 220 Other noninterest expenses 390 687 1,240 1,075 1,115 1,077 2,084 Total noninterest expense 3,464 3,575 3,829 3,707 3,573 7,039 7,060 Income before income tax expense 8,652 6,642 7,064 8,101 6,918 15,294 12,871 Income tax expense 1,817 1,384 1,450 1,669 1,410 3,201 2,624 Net income $ 6,835 $ 5,258 $ 5,614 $ 6,432 $ 5,508 $ 12,093 $ 10,247 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Segment Reporting (continued) Table 10 Three Months Ended Six Months Ended Jun Mar Dec Sep Jun Jun Jun (dollars in thousands) 2026 2026 2025 2025 2025 2026 2025 Banking Division Net interest income $ 215,300 $ 208,367 $ 206,763 $ 198,060 $ 191,501 $ 423,667 $ 375,714 Provision for credit losses 19,998 11,853 25,037 21,617 677 31,851 17,097 Noninterest income 40,569 32,791 31,018 35,419 29,275 73,360 57,999 Noninterest expense Salaries and employee benefits 66,668 66,246 57,582 66,301 62,001 132,914 124,717 Occupancy and equipment expenses 11,823 10,930 10,523 10,718 10,547 22,753 20,351 Data processing and telecommunications expenses 14,041 15,348 14,761 14,668 13,825 29,389 27,216 Other noninterest expenses 110,933 23,898 20,554 22,286 25,478 134,831 51,163 Total noninterest expense 203,465 116,422 103,420 113,973 111,851 319,887 223,447 Income before income tax expense 32,406 112,883 109,324 97,889 108,248 145,289 193,169 Income tax expense 7,538 24,397 26,100 22,824 25,667 31,935 44,821 Net income $ 24,868 $ 88,486 $ 83,224 $ 75,065 $ 82,581 $ 113,354 $ 148,348 Total Consolidated Net interest income $ 252,484 $ 244,436 $ 245,307 $ 237,964 $ 231,813 $ 496,920 $ 453,652 Provision for credit losses 17,253 16,551 22,950 22,630 2,772 33,804 24,664 Noninterest income 73,532 69,920 61,827 76,274 68,911 143,452 132,934 Noninterest expense Salaries and employee benefits 91,494 91,366 81,997 90,948 89,308 182,860 175,923 Occupancy and equipment expenses 12,555 11,625 11,321 11,524 11,401 24,180 22,078 Data processing and telecommunications expenses 15,571 16,793 16,236 16,058 15,366 32,364 30,221 Other noninterest expenses 123,094 37,296 33,536 36,036 39,185 160,390 78,072 Total noninterest expense 242,714 157,080 143,090 154,566 155,260 399,794 306,294 Income before income tax expense 66,049 140,725 141,094 137,042 142,692 206,774 255,628 Income tax expense 14,603 30,233 32,738 31,013 32,858 44,836 57,859 Net income $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 109,834 $ 161,938 $ 197,769 Category: Earnings For more information, contact: Brady Gailey Executive Director of Corporate Development (404) 240-1517 Source: Ameris Bancorp