Ameris Bancorp Announces Third Quarter 2026 Financial Results

Highlights of Ameris’s results for the third quarter of 2026 include the following: Net income of $116.1 million, or $1.73 per diluted share Return on average assets of 1.61% Return on average tangible common equity (1) of 15.01% Efficiency ratio of 49.32% Growth in average earning assets of $300.5 million, or 4.5% annualized Loan growth of $173.1 million, or 3.1% annualized Deposit growth of $319.4 million, or 5.6% annualized Noninterest-bearing deposits represent 29.2% of total deposits Annualized net charge-offs declined to 0.19% of average total loans Tangible book value (1) growth of $0.55 per share, or 4.8% annualized, to $45.65 at September 30, 2026 ATLANTA--(BUSINESS WIRE)-- Ameris Bancorp (NYSE: ABCB) (the “Company” or “Ameris”) today reported net income of $116.1 million, or $1.73 per diluted share, for the quarter ended September 30, 2026, compared with $106.0 million, or $1.54 per diluted share, for the quarter ended September 30, 2025. For the year-to-date period ending September 30, 2026, the Company reported net income of $278.0 million, or $4.13 per diluted share, compared with $303.8 million, or $4.41 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 strong quarter, reflecting our consistent focus on profitable growth, expense discipline and prudent balance sheet management. We achieved a net interest margin of 3.87%, with mid-single-digit growth in average earning assets and deposits. Return on average assets exceeded 1.60%, and our efficiency ratio improved to below 50%. Our capital position, core funding base and credit reserves remain strong, providing a solid foundation as macroeconomic conditions evolve. We remain measured in our approach to growth, maintaining disciplined underwriting and carefully allocating capital. We are confident in the strength of our Southeast franchise and remain focused on deepening customer relationships and driving disciplined organic growth. As always, our strategic decisions will be guided by the best long-term interests of the Company and our shareholders.” Net Interest Income and Net Interest Margin Net interest income on a tax-equivalent basis (TE) was $258.6 million in the third quarter of 2026, an increase of $5.2 million, or 2.0%, from last quarter and $19.7 million, or 8.2%, compared with the third quarter of 2025. The Company's average earning assets increased during the quarter by $300.5 million, or 4.5% annualized, primarily due to an increase of $260.0 million in average portfolio loans outstanding and an increase of $99.3 million in the average balance of investment securities, which was partially offset by a decrease of $80.7 million in average loans held for sale. The Company's net interest margin was 3.87% for the third quarter of 2026, a decrease of one basis point from the second quarter of 2026 and a seven basis point improvement from the third quarter of 2025. Yields on earning assets increased one basis point during the quarter to 5.62%, compared with 5.61% in the second quarter of 2026. This increase is primarily related to a three basis point increase in yield on portfolio loans outstanding and a 29 basis point increase in yield on loans held for sale, which was partially offset by a 10 basis point decrease in yield on taxable investment securities during the third quarter of 2026. The Company’s total cost of funds increased three basis points to 1.94% in the third quarter of 2026, compared with 1.91% in the second quarter of 2026, and improved 11 basis points compared with the third quarter of 2025. Deposit costs increased five basis points during the third quarter of 2026 to 1.82%, compared with 1.77% in the second quarter of 2026. The cost of interest-bearing deposits during the quarter was 2.58%, an increase of six basis points compared with the second quarter of 2026. Noninterest Income Noninterest income decreased $9.4 million, or 12.7%, in the third quarter of 2026 to $64.2 million, compared with $73.5 million for the second quarter of 2026, driven primarily by a $7.2 million decrease in gain on securities. Mortgage banking activity decreased $3.3 million, or 10.1%, to $29.2 million in the third quarter of 2026, compared with $32.5 million for the second quarter of 2026. Total production in the retail mortgage division decreased $157.9 million, or 13.7%, to $994.4 million in the third quarter of 2026, compared with $1.15 billion for the second quarter of 2026. The retail mortgage open pipeline was $439.9 million at the end of the third quarter of 2026, compared with $609.3 million at the end of the second quarter of 2026. Gain on sale spreads increased to 2.09% in the third quarter of 2026 from 2.04% for the second quarter of 2026. Equipment finance activity increased $1.4 million, or 15.7%, to $10.4 million, compared with $8.9 million for the second quarter of 2026. Gain on securities was $230,000 for the third quarter of 2026, compared with $7.4 million for the second quarter of 2026. Other noninterest income decreased $317,000, or 3.3%, in the third quarter of 2026 to $9.2 million, compared with $9.6 million for the second quarter of 2026. Noninterest Expense Noninterest expense decreased $84.0 million, or 34.6%, to $158.7 million during the third quarter of 2026, compared with $242.7 million for the second quarter of 2026. The decrease was driven by a litigation expense accrual decline of $80.8 million. Adjusted noninterest expense (1) decreased $2.5 million, or 1.5%, compared with the second quarter of 2026, primarily due to decreased mortgage compensation and legal expenses. Management continues to focus on delivering high performing operating efficiency, reflected by an adjusted efficiency ratio (1) of 49.15% in the third quarter of 2026, compared with 50.42% in the second quarter of 2026 and 49.62% in the third quarter of 2025. Income Tax Expense The Company's effective tax rate for the third quarter of 2026 was 22.9%, compared with 22.1% for the second quarter of 2026, with the increased rate resulting primarily from the relative impact of higher pre-tax earnings compared with the second quarter of 2026. Balance Sheet Trends Total assets at September 30, 2026 were $28.55 billion, compared with $28.49 billion at June 30, 2026 and $27.52 billion at December 31, 2025. During the third quarter of 2026, loans, net of unearned income, increased by $173.1 million, or 3.1% annualized. Loans held for sale decreased to $398.5 million at September 30, 2026 from $623.2 million at December 31, 2025. Debt securities available-for-sale totaled $2.48 billion, compared with $2.46 billion at June 30, 2026 and $2.21 billion at December 31, 2025. At September 30, 2026, total deposits were $22.91 billion, compared with $22.59 billion at June 30, 2026 and $22.38 billion at December 31, 2025. During the third quarter of 2026, deposits increased $319.4 million, or 5.6% annualized, with interest bearing deposits increasing by $407.2 million and noninterest-bearing deposits decreasing by $87.8 million. The increase in end of period balances was driven primarily by an increase of $399.7 million in money market accounts and an increase of $129.5 million in brokered CDs, which was partially offset by a decrease of $79.8 million in retail CDs. Noninterest-bearing deposits represented 29.2% of total deposits at September 30, 2026, compared with 28.7% at December 31, 2025. Shareholders’ equity at September 30, 2026 totaled $4.12 billion, an increase of $48.2 million, or 1.2%, from December 31, 2025. The increase in shareholders’ equity was primarily the result of earnings of $278.0 million during the first nine months of 2026, largely offset by share repurchases, dividends declared and a decrease in accumulated other comprehensive income of $97.6 million resulting from changes in interest rates on the Company's investment portfolio. Tangible book value per share (1) increased $1.47 per share, or 4.4% annualized, during the first nine months of 2026 to $45.65 at September 30, 2026. Tangible common equity as a percentage of tangible assets was 11.14% at September 30, 2026, compared with 11.37% at the end of 2025. Credit Quality During the third quarter of 2026, the Company recorded a provision for credit losses of $12.6 million, compared with a provision of $17.3 million in the second quarter of 2026. The allowance for credit losses on loans was 1.62% of loans at September 30, 2026, unchanged from the end of 2025. Nonperforming assets as a percentage of total assets increased seven basis points to 0.54% during the quarter. Approximately $38.8 million, or 25.2%, of the nonperforming assets at September 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 five basis points to 0.40% at September 30, 2026, compared with 0.35% at the end of the second quarter of 2026. The net charge-off ratio was 19 basis points for the third quarter of 2026, compared with 20 basis points for the second quarter of 2026. Share Repurchase Program The Company's board of directors, on October 16, 2026, authorized the Company to repurchase up to $200.0 million of its outstanding common stock. Repurchases of shares, which are authorized to occur through October 31, 2027, will be made, if at all, in accordance with applicable securities laws and may be made from time to time in the open market or by negotiated transactions. The amount and timing of repurchases will be based on a variety of factors, including share acquisition price, regulatory limitations and other market and economic factors. The program does not require the Company to repurchase any specific number of shares. The board's authorization is a continuation and replenishment of the Company's previously announced share repurchase program which was set to expire on October 31 and under which the Company has repurchased $134.6 million of its outstanding common stock in the past 12 months. Conference Call The Company will host a teleconference at 9:00 a.m. Eastern time on Friday, October 23, 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 October 30, 2026. To listen to the replay, dial 1-855-669-9658. The conference replay access code is 7791097. 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 September 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 Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands except per share data) 2026 2026 2026 2025 2025 2026 2025 EARNINGS Net income $ 116,093 $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 278,031 $ 303,798 Adjusted net income (1) $ 115,990 $ 107,309 $ 110,492 $ 108,808 $ 104,110 $ 333,791 $ 301,580 COMMON SHARE DATA Earnings per share available to common shareholders Basic $ 1.74 $ 0.77 $ 1.64 $ 1.59 $ 1.55 $ 4.15 $ 4.43 Diluted $ 1.73 $ 0.77 $ 1.63 $ 1.59 $ 1.54 $ 4.13 $ 4.41 Adjusted diluted EPS (1) $ 1.73 $ 1.60 $ 1.63 $ 1.59 $ 1.52 $ 4.96 $ 4.38 Cash dividends per share $ 0.20 $ 0.20 $ 0.20 $ 0.20 $ 0.20 $ 0.60 $ 0.60 Book value per share (period end) $ 61.46 $ 60.96 $ 60.64 $ 59.92 $ 58.56 $ 61.46 $ 58.56 Tangible book value per share (period end) (1) $ 45.65 $ 45.10 $ 44.79 $ 44.18 $ 42.90 $ 45.65 $ 42.90 Weighted average number of shares Basic 66,775,293 66,883,935 67,540,444 68,022,346 68,401,737 67,063,755 68,592,529 Diluted 67,024,653 67,099,941 67,766,997 68,328,365 68,665,669 67,293,307 68,830,787 Period end number of shares 67,108,489 67,106,587 67,320,298 68,022,316 68,587,742 67,108,489 68,587,742 Market data High intraday price $ 93.22 $ 91.41 $ 87.98 $ 78.99 $ 76.58 $ 93.22 $ 76.58 Low intraday price $ 79.34 $ 77.01 $ 73.20 $ 68.80 $ 64.30 $ 73.20 $ 48.27 Period end closing price $ 79.52 $ 90.26 $ 77.99 $ 74.27 $ 73.31 $ 79.52 $ 73.31 Average daily volume 433,973 531,184 558,814 448,341 435,766 506,927 427,673 PERFORMANCE RATIOS Return on average assets 1.61 % 0.73 % 1.62 % 1.57 % 1.56 % 1.32 % 1.52 % Adjusted return on average assets (1) 1.61 % 1.53 % 1.62 % 1.58 % 1.53 % 1.59 % 1.51 % Return on average common equity 11.15 % 5.00 % 10.91 % 10.63 % 10.61 % 9.02 % 10.48 % Adjusted return on average tangible common equity (1) 15.00 % 14.08 % 14.75 % 14.53 % 14.30 % 14.61 % 14.42 % Earning asset yield (TE) 5.62 % 5.61 % 5.57 % 5.61 % 5.66 % 5.60 % 5.64 % Total cost of funds 1.94 % 1.91 % 1.88 % 1.95 % 2.05 % 1.91 % 2.06 % Net interest margin (TE) 3.87 % 3.88 % 3.88 % 3.85 % 3.80 % 3.88 % 3.77 % Efficiency ratio 49.32 % 74.45 % 49.97 % 46.59 % 49.19 % 58.05 % 51.16 % Adjusted efficiency ratio (1) 49.15 % 50.42 % 49.97 % 46.68 % 49.62 % 49.84 % 51.34 % CAPITAL ADEQUACY (period end) Shareholders' equity to assets 14.45 % 14.36 % 14.52 % 14.81 % 14.82 % 14.45 % 14.82 % Tangible common equity to tangible assets (1) 11.14 % 11.04 % 11.15 % 11.37 % 11.31 % 11.14 % 11.31 % OTHER DATA (period end) Full time equivalent employees Banking Division 2,020 2,039 2,023 2,043 2,068 2,020 2,068 Retail Mortgage Division 505 516 528 538 546 505 546 Warehouse Lending Division 7 7 7 7 8 7 8 Premium Finance Division 86 88 84 85 78 86 78 Total Ameris Bancorp FTE headcount 2,618 2,650 2,642 2,673 2,700 2,618 2,700 Branch locations 163 163 163 163 164 163 164 Deposits per branch location $ 140,534 $ 138,574 $ 138,876 $ 137,276 $ 135,537 $ 140,534 $ 135,537 (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 Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands except per share data) 2026 2026 2026 2025 2025 2026 2025 Interest income Interest and fees on loans $ 334,538 $ 326,705 $ 317,883 $ 323,833 $ 321,457 $ 979,126 $ 941,518 Interest on taxable securities 30,969 30,217 25,474 24,886 23,253 86,660 62,441 Interest on nontaxable securities 374 383 374 422 343 1,131 1,006 Interest on deposits in other banks 8,667 8,270 8,040 8,922 9,993 24,977 31,497 Total interest income 374,548 365,575 351,771 358,063 355,046 1,091,894 1,036,462 Interest expense Interest on deposits 104,762 98,995 96,227 105,314 106,851 299,984 318,862 Interest on other borrowings 12,108 14,096 11,108 7,442 10,231 37,312 25,984 Total interest expense 116,870 113,091 107,335 112,756 117,082 337,296 344,846 Net interest income 257,678 252,484 244,436 245,307 237,964 754,598 691,616 Provision for loan losses 13,306 15,894 17,895 16,601 11,176 47,095 30,805 Provision for unfunded commitments (727 ) 1,360 (1,338 ) 6,348 11,446 (705 ) 16,484 Provision for other credit losses (1 ) (1 ) (6 ) 1 8 (8 ) 5 Provision for credit losses 12,578 17,253 16,551 22,950 22,630 46,382 47,294 Net interest income after provision for credit losses 245,100 235,231 227,885 222,357 215,334 708,216 644,322 Noninterest income Service charges on deposit accounts 14,072 14,044 13,679 14,088 13,931 41,795 40,557 Mortgage banking activity 29,226 32,526 37,008 31,874 40,666 98,760 115,141 Other service charges, commissions and fees 1,046 1,065 1,027 1,102 1,124 3,138 3,391 Gain on securities 230 7,392 — 12 1,581 7,622 1,621 Equipment finance activity 10,353 8,948 9,086 8,434 8,858 28,387 22,128 Other noninterest income 9,240 9,557 9,120 6,317 10,114 27,917 26,370 Total noninterest income 64,167 73,532 69,920 61,827 76,274 207,619 209,208 Noninterest expense Salaries and employee benefits 90,330 91,494 91,366 81,997 90,948 273,190 266,871 Occupancy and equipment 12,573 12,555 11,625 11,321 11,524 36,753 33,602 Data processing and communications expenses 17,096 15,571 16,793 16,236 16,058 49,460 46,279 Credit resolution-related expenses (1) 179 798 509 953 770 1,486 2,192 Advertising and marketing 3,211 3,452 3,296 1,984 3,377 9,959 10,005 Amortization of intangible assets 2,944 3,114 3,393 3,879 3,879 9,451 12,058 Loan servicing expenses 7,080 7,205 7,380 7,267 8,142 21,665 23,862 Other noninterest expenses 25,335 108,525 22,718 19,453 19,868 156,578 65,991 Total noninterest expense 158,748 242,714 157,080 143,090 154,566 558,542 460,860 Income before income tax expense 150,519 66,049 140,725 141,094 137,042 357,293 392,670 Income tax expense 34,426 14,603 30,233 32,738 31,013 79,262 88,872 Net income $ 116,093 $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 278,031 $ 303,798 Diluted earnings per common share $ 1.73 $ 0.77 $ 1.63 $ 1.59 $ 1.54 $ 4.13 $ 4.41 (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 Sep Jun Mar Dec Sep (dollars in thousands) 2026 2026 2026 2025 2025 Assets Cash and due from banks $ 211,104 $ 237,431 $ 235,114 $ 253,807 $ 216,927 Interest-bearing deposits in banks 926,066 959,682 1,094,185 835,113 826,237 Debt securities available-for-sale, at fair value 2,477,536 2,460,623 2,353,396 2,207,173 2,131,671 Debt securities held-to-maturity, at amortized cost 201,808 208,155 202,550 203,242 202,581 Other investments 103,110 123,871 100,718 85,443 70,644 Loans held for sale 398,514 482,220 496,629 623,152 604,136 Loans, net of unearned income 22,350,983 22,177,865 21,827,980 21,513,522 21,258,374 Allowance for credit losses (362,308 ) (359,513 ) (354,682 ) (348,141 ) (345,294 ) Loans, net 21,988,675 21,818,352 21,473,298 21,165,381 20,913,080 Other real estate owned 4,148 4,043 3,091 2,918 3,137 Premises and equipment, net 222,223 220,500 216,397 213,097 211,567 Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangible assets, net 45,373 48,317 51,430 54,824 58,703 Cash value of bank owned life insurance 430,335 427,789 424,164 420,583 417,096 Other assets 525,157 482,214 443,317 435,500 428,404 Total assets $ 28,549,695 $ 28,488,843 $ 28,109,935 $ 27,515,879 $ 27,099,829 Liabilities Deposits Noninterest-bearing $ 6,695,113 $ 6,782,882 $ 6,748,976 $ 6,426,145 $ 6,757,233 Interest-bearing 16,211,860 15,804,691 15,887,764 15,949,850 15,470,845 Total deposits 22,906,973 22,587,573 22,636,740 22,375,995 22,228,078 Other borrowings 928,008 1,250,049 887,974 558,039 337,094 Subordinated deferrable interest debentures 135,798 135,299 134,801 134,302 133,804 Other liabilities 454,661 425,345 368,293 371,515 384,152 Total liabilities 24,425,440 24,398,266 24,027,808 23,439,851 23,083,128 Shareholders' Equity Preferred stock — — — — — Common stock 73,267 73,265 73,252 72,898 72,900 Capital stock 1,982,500 1,978,573 1,973,881 1,971,131 1,968,124 Retained earnings 2,447,900 2,345,292 2,307,358 2,210,385 2,115,712 Accumulated other comprehensive income (loss), net of tax (89,329 ) (16,508 ) (1,476 ) 8,312 5,171 Treasury stock (290,083 ) (290,045 ) (270,888 ) (186,698 ) (145,206 ) Total shareholders' equity 4,124,255 4,090,577 4,082,127 4,076,028 4,016,701 Total liabilities and shareholders' equity $ 28,549,695 $ 28,488,843 $ 28,109,935 $ 27,515,879 $ 27,099,829 Other Data Earning assets $ 26,458,017 $ 26,412,416 $ 26,075,458 $ 25,467,645 $ 25,093,643 Intangible assets 1,061,019 1,063,963 1,067,076 1,070,470 1,074,349 Interest-bearing liabilities 17,275,666 17,190,039 16,910,539 16,642,191 15,941,743 Average assets 28,549,120 28,210,184 27,672,313 27,394,953 26,972,134 Average common shareholders' equity 4,130,982 4,122,923 4,107,670 4,044,338 3,964,207 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Asset Quality Information Table 4 Three Months Ended Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands) 2026 2026 2026 2025 2025 2026 2025 Allowance for Credit Losses Balance at beginning of period $ 412,945 $ 406,755 $ 401,558 $ 392,362 $ 377,181 $ 401,558 $ 368,663 Provision for loan losses 13,306 15,894 17,895 16,601 11,176 47,095 30,805 Provision for unfunded commitments (727 ) 1,360 (1,338 ) 6,348 11,446 (705 ) 16,484 Provision for other credit losses (1 ) (1 ) (6 ) 1 8 (8 ) 5 Provision for credit losses 12,578 17,253 16,551 22,950 22,630 46,382 47,294 Charge-offs 16,825 16,616 17,527 19,575 13,631 50,968 43,241 Recoveries 6,314 5,553 6,173 5,821 6,182 18,040 19,646 Net charge-offs (recoveries) 10,511 11,063 11,354 13,754 7,449 32,928 23,595 Ending balance $ 415,012 $ 412,945 $ 406,755 $ 401,558 $ 392,362 $ 415,012 $ 392,362 Allowance for loan losses $ 362,308 $ 359,513 $ 354,682 $ 348,141 $ 345,294 $ 362,308 $ 345,294 Allowance for unfunded commitments 52,637 53,364 52,004 53,342 46,994 52,637 46,994 Allowance for other credit losses 67 68 69 75 74 67 74 Total allowance for credit losses $ 415,012 $ 412,945 $ 406,755 $ 401,558 $ 392,362 $ 415,012 $ 392,362 Non-Performing Assets Nonaccrual portfolio loans $ 102,400 $ 86,819 $ 81,969 $ 84,711 $ 77,257 $ 102,400 $ 77,257 Other real estate owned 4,148 4,043 3,091 2,918 3,137 4,148 3,137 Repossessed assets — — 4 4 3 — 3 Accruing loans delinquent 90 days or more 8,605 8,364 8,230 8,492 9,325 8,605 9,325 Non-performing portfolio assets $ 115,153 $ 99,226 $ 93,294 $ 96,125 $ 89,722 $ 115,153 $ 89,722 Serviced GNMA-guaranteed mortgage nonaccrual loans 38,802 33,707 34,489 24,347 19,706 38,802 19,706 Total non-performing assets $ 153,955 $ 132,933 $ 127,783 $ 120,472 $ 109,428 $ 153,955 $ 109,428 Asset Quality Ratios Non-performing portfolio assets as a percent of total assets 0.40 % 0.35 % 0.33 % 0.35 % 0.33 % 0.40 % 0.33 % Total non-performing assets as a percent of total assets 0.54 % 0.47 % 0.45 % 0.44 % 0.40 % 0.54 % 0.40 % Net charge-offs as a percent of average loans (annualized) 0.19 % 0.20 % 0.21 % 0.26 % 0.14 % 0.20 % 0.15 % AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Loan Information Table 5 Sep Jun Mar Dec Sep (dollars in thousands) 2026 2026 2026 2025 2025 Loans by Type Commercial and industrial $ 3,485,369 $ 3,453,501 $ 3,400,837 $ 3,288,505 $ 3,299,269 Consumer 143,897 157,252 166,652 180,010 202,688 Mortgage warehouse 1,300,152 1,345,808 1,232,103 1,150,782 1,083,941 Municipal 404,109 415,396 420,775 434,234 437,823 Premium Finance 1,700,913 1,534,445 1,365,018 1,306,267 1,358,259 Real estate - construction and development 1,781,330 1,702,983 1,564,242 1,469,250 1,411,178 Real estate - commercial and farmland 9,090,511 9,243,359 9,364,885 9,311,405 9,054,927 Real estate - residential 4,444,702 4,325,121 4,313,468 4,373,069 4,410,289 Total loans $ 22,350,983 $ 22,177,865 $ 21,827,980 $ 21,513,522 $ 21,258,374 Loans by Risk Grade Pass $ 22,056,159 $ 21,942,518 $ 21,598,675 $ 21,305,745 $ 21,058,458 Other assets especially mentioned 97,118 61,021 49,359 39,709 37,236 Substandard 197,706 174,326 179,946 168,068 162,680 Total loans $ 22,350,983 $ 22,177,865 $ 21,827,980 $ 21,513,522 $ 21,258,374 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Average Balances Table 6 Three Months Ended Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands) 2026 2026 2026 2025 2025 2026 2025 Earning Assets Interest-bearing deposits in banks $ 905,371 $ 883,521 $ 879,724 $ 884,149 $ 883,976 $ 889,632 $ 938,312 Debt securities - taxable 2,803,397 2,703,887 2,532,669 2,432,934 2,282,470 2,680,976 2,133,805 Debt securities - nontaxable 44,747 44,914 45,241 45,237 44,823 44,966 42,517 Loans held for sale 548,736 629,469 616,530 758,588 706,679 597,997 668,177 Loans 22,207,744 21,947,729 21,590,793 21,278,859 21,038,350 21,917,682 20,864,180 Total Earning Assets $ 26,509,995 $ 26,209,520 $ 25,664,957 $ 25,399,767 $ 24,956,298 $ 26,131,253 $ 24,646,991 Deposits Noninterest-bearing deposits $ 6,721,999 $ 6,695,490 $ 6,547,843 $ 6,668,120 $ 6,849,129 $ 6,655,749 $ 6,714,016 NOW accounts 4,169,978 4,212,047 4,195,369 4,052,397 3,900,999 4,192,372 3,942,766 MMDA 7,383,668 7,072,892 7,189,981 7,347,897 6,977,134 7,216,222 6,935,931 Savings accounts 760,190 774,903 760,258 754,439 756,383 765,117 763,248 Retail CDs 2,215,297 2,250,844 2,268,935 2,325,456 2,344,084 2,244,829 2,391,146 Brokered CDs 1,598,200 1,420,811 1,221,181 1,249,020 1,070,735 1,414,779 1,059,911 Total Deposits 22,849,332 22,426,987 22,183,567 22,397,329 21,898,464 22,489,068 21,807,018 Non-Deposit Funding Federal funds purchased and securities sold under agreements to repurchase — — 1 — 1 — — FHLB advances 956,111 1,171,702 871,128 423,669 443,243 999,958 307,354 Other borrowings — 9,768 9,899 9,920 169,994 6,520 185,574 Subordinated deferrable interest debentures 135,535 135,037 134,537 134,041 133,541 135,040 133,046 Total Non-Deposit Funding 1,091,646 1,316,507 1,015,565 567,630 746,779 1,141,518 625,974 Total Funding $ 23,940,978 $ 23,743,494 $ 23,199,132 $ 22,964,959 $ 22,645,243 $ 23,630,586 $ 22,432,992 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Interest Income and Interest Expense (TE) Table 7 Three Months Ended Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands) 2026 2026 2026 2025 2025 2026 2025 Interest Income Interest-bearing deposits in banks $ 8,667 $ 8,270 $ 8,040 $ 8,922 $ 9,993 $ 24,977 $ 31,497 Debt securities - taxable 30,969 30,217 25,474 24,886 23,253 86,660 62,441 Debt securities - nontaxable (TE) 474 485 473 535 434 1,432 1,273 Loans held for sale 8,751 9,478 9,000 11,233 11,237 27,229 31,860 Loans (TE) 326,629 318,079 309,732 313,467 311,082 954,440 912,200 Total Earning Assets $ 375,490 $ 366,529 $ 352,719 $ 359,043 $ 355,999 $ 1,094,738 $ 1,039,271 Interest Expense Interest-Bearing Deposits NOW accounts $ 18,793 $ 18,925 $ 18,106 $ 18,508 $ 18,230 $ 55,824 $ 54,680 MMDA 50,932 47,070 46,737 52,455 54,657 144,739 160,387 Savings accounts 698 688 679 734 813 2,065 2,469 Retail CDs 18,281 18,531 18,958 20,567 21,253 55,770 66,350 Brokered CDs 16,058 13,781 11,747 13,050 11,898 41,586 34,976 Total Interest-Bearing Deposits 104,762 98,995 96,227 105,314 106,851 299,984 318,862 Non-Deposit Funding FHLB advances 9,285 11,182 8,179 4,347 4,863 28,646 9,733 Other borrowings — 129 159 169 2,328 288 7,177 Subordinated deferrable interest debentures 2,823 2,785 2,770 2,926 3,040 8,378 9,074 Total Non-Deposit Funding 12,108 14,096 11,108 7,442 10,231 37,312 25,984 Total Interest-Bearing Funding $ 116,870 $ 113,091 $ 107,335 $ 112,756 $ 117,082 $ 337,296 $ 344,846 Net Interest Income (TE) $ 258,620 $ 253,438 $ 245,384 $ 246,287 $ 238,917 $ 757,442 $ 694,425 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Yields (1) Table 8 Three Months Ended Nine Months Ended Sep Jun Mar Dec Sep Sep Sep 2026 2026 2026 2025 2025 2026 2025 Earning Assets Interest-bearing deposits in banks 3.80 % 3.75 % 3.71 % 4.00 % 4.48 % 3.75 % 4.49 % Debt securities - taxable 4.38 % 4.48 % 4.08 % 4.06 % 4.04 % 4.32 % 3.91 % Debt securities - nontaxable (TE) 4.20 % 4.33 % 4.24 % 4.69 % 3.84 % 4.26 % 4.00 % Loans held for sale 6.33 % 6.04 % 5.92 % 5.87 % 6.31 % 6.09 % 6.38 % Loans (TE) 5.84 % 5.81 % 5.82 % 5.84 % 5.87 % 5.82 % 5.85 % Total Earning Assets 5.62 % 5.61 % 5.57 % 5.61 % 5.66 % 5.60 % 5.64 % Interest-Bearing Deposits NOW accounts 1.79 % 1.80 % 1.75 % 1.81 % 1.85 % 1.78 % 1.85 % MMDA 2.74 % 2.67 % 2.64 % 2.83 % 3.11 % 2.68 % 3.09 % Savings accounts 0.36 % 0.36 % 0.36 % 0.39 % 0.43 % 0.36 % 0.43 % Retail CDs 3.27 % 3.30 % 3.39 % 3.51 % 3.60 % 3.32 % 3.71 % Brokered CDs 3.99 % 3.89 % 3.90 % 4.15 % 4.41 % 3.93 % 4.41 % Total Interest-Bearing Deposits 2.58 % 2.52 % 2.50 % 2.66 % 2.82 % 2.53 % 2.82 % Non-Deposit Funding FHLB advances 3.85 % 3.83 % 3.81 % 4.07 % 4.35 % 3.83 % 4.23 % Other borrowings — % 5.30 % 6.51 % 6.76 % 5.43 % 5.91 % 5.17 % Subordinated deferrable interest debentures 8.26 % 8.27 % 8.35 % 8.66 % 9.03 % 8.29 % 9.12 % Total Non-Deposit Funding 4.40 % 4.29 % 4.44 % 5.20 % 5.44 % 4.37 % 5.55 % Total Interest-Bearing Liabilities 2.69 % 2.66 % 2.61 % 2.74 % 2.94 % 2.66 % 2.93 % Net Interest Spread 2.93 % 2.95 % 2.96 % 2.87 % 2.72 % 2.94 % 2.71 % Net Interest Margin (2) 3.87 % 3.88 % 3.88 % 3.85 % 3.80 % 3.88 % 3.77 % Total Cost of Funds (3) 1.94 % 1.91 % 1.88 % 1.95 % 2.05 % 1.91 % 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 Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands except per share data) 2026 2026 2026 2025 2025 2026 2025 Net income available to common shareholders $ 116,093 $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 278,031 $ 303,798 Adjustment items: Litigation accrual 1,675 82,503 — — — 84,178 — Loss (gain) on sale of MSR — — — 1,127 (125 ) — (467 ) Gain on securities (230 ) (7,392 ) — (12 ) (1,581 ) (7,622 ) (1,621 ) Servicing right impairment (recovery) — — — 910 — — — Gain on BOLI proceeds (678 ) (846 ) — (220 ) (390 ) (1,524 ) (401 ) FDIC special assessment — — — (1,136 ) (318 ) — (318 ) Natural disaster expense recovery (683 ) — — — — (683 ) — Tax effect of adjustment items (Note 1) (187 ) (18,402 ) — (217 ) 495 (18,589 ) 589 After tax adjustment items (103 ) 55,863 — 452 (1,919 ) 55,760 (2,218 ) Adjusted net income $ 115,990 $ 107,309 $ 110,492 $ 108,808 $ 104,110 $ 333,791 $ 301,580 Weighted average number of shares - diluted 67,024,653 67,099,941 67,766,997 68,328,365 68,665,669 67,293,307 68,830,787 Net income per diluted share $ 1.73 $ 0.77 $ 1.63 $ 1.59 $ 1.54 $ 4.13 $ 4.41 Adjusted net income per diluted share $ 1.73 $ 1.60 $ 1.63 $ 1.59 $ 1.52 $ 4.96 $ 4.38 Average assets $ 28,549,120 $ 28,210,184 $ 27,672,313 $ 27,394,953 $ 26,972,134 $ 28,149,465 $ 26,655,680 Return on average assets 1.61 % 0.73 % 1.62 % 1.57 % 1.56 % 1.32 % 1.52 % Adjusted return on average assets 1.61 % 1.53 % 1.62 % 1.58 % 1.53 % 1.59 % 1.51 % Average common equity $ 4,130,982 $ 4,122,923 $ 4,107,670 $ 4,044,338 $ 3,964,207 $ 4,120,613 $ 3,876,404 Average tangible common equity $ 3,068,523 $ 3,057,445 $ 3,039,019 $ 2,971,985 $ 2,887,961 $ 3,055,106 $ 2,796,180 Return on average common equity 11.15 % 5.00 % 10.91 % 10.63 % 10.61 % 9.02 % 10.48 % Return on average tangible common equity 15.01 % 6.75 % 14.75 % 14.46 % 14.57 % 12.17 % 14.53 % Adjusted return on average tangible common equity 15.00 % 14.08 % 14.75 % 14.53 % 14.30 % 14.61 % 14.42 % 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 Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands) 2026 2026 2026 2025 2025 2026 2025 Adjusted Noninterest Expense Total noninterest expense $ 158,748 $ 242,714 $ 157,080 $ 143,090 $ 154,566 $ 558,542 $ 460,860 Adjustment items: Litigation accrual (1,675 ) (82,503 ) — — — (84,178 ) — FDIC special assessment — — — 1,136 318 — 318 Natural disaster expense recovery 683 — — — — 683 — Adjusted noninterest expense $ 157,756 $ 160,211 $ 157,080 $ 144,226 $ 154,884 $ 475,047 $ 461,178 Adjusted Total Revenue Net interest income $ 257,678 $ 252,484 $ 244,436 $ 245,307 $ 237,964 $ 754,598 $ 691,616 Noninterest income 64,167 73,532 69,920 61,827 76,274 207,619 209,208 Total revenue 321,845 326,016 314,356 307,134 314,238 962,217 900,824 Adjustment items: Gain on securities (230 ) (7,392 ) — (12 ) (1,581 ) (7,622 ) (1,621 ) (Gain)/loss on sale of MSR — — — 1,127 (125 ) — (467 ) Gain on BOLI proceeds (678 ) (846 ) — (220 ) (390 ) (1,524 ) (401 ) Servicing right impairment (recovery) — — — 910 — — — Adjusted total revenue $ 320,937 $ 317,778 $ 314,356 $ 308,939 $ 312,142 $ 953,071 $ 898,335 Efficiency ratio 49.32 % 74.45 % 49.97 % 46.59 % 49.19 % 58.05 % 51.16 % Adjusted efficiency ratio 49.15 % 50.42 % 49.97 % 46.68 % 49.62 % 49.84 % 51.34 % Tangible Book Value Per Share Table 9C Three Months Ended Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands except per share data) 2026 2026 2026 2025 2025 2026 2025 Total shareholders' equity $ 4,124,255 $ 4,090,577 $ 4,082,127 $ 4,076,028 $ 4,016,701 $ 4,124,255 $ 4,016,701 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 45,373 48,317 51,430 54,824 58,703 45,373 58,703 Total tangible shareholders' equity $ 3,063,236 $ 3,026,614 $ 3,015,051 $ 3,005,558 $ 2,942,352 $ 3,063,236 $ 2,942,352 Period end number of shares 67,108,489 67,106,587 67,320,298 68,022,316 68,587,742 67,108,489 68,587,742 Book value per share (period end) $ 61.46 $ 60.96 $ 60.64 $ 59.92 $ 58.56 $ 61.46 $ 58.56 Tangible book value per share (period end) $ 45.65 $ 45.10 $ 44.79 $ 44.18 $ 42.90 $ 45.65 $ 42.90 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Non-GAAP Reconciliations (continued) Tangible Common Equity to Tangible Assets ("TCE Ratio") Table 9D Sep Jun Mar Dec Sep (dollars in thousands except per share data) 2026 2026 2026 2025 2025 Total shareholders' equity $ 4,124,255 $ 4,090,577 $ 4,082,127 $ 4,076,028 $ 4,016,701 Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 45,373 48,317 51,430 54,824 58,703 Total tangible shareholders' equity $ 3,063,236 $ 3,026,614 $ 3,015,051 $ 3,005,558 $ 2,942,352 Total assets $ 28,549,695 $ 28,488,843 $ 28,109,935 $ 27,515,879 $ 27,099,829 Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 45,373 48,317 51,430 54,824 58,703 Total tangible assets $ 27,488,676 $ 27,424,880 $ 27,042,859 $ 26,445,409 $ 26,025,480 Equity to Assets 14.45 % 14.36 % 14.52 % 14.81 % 14.82 % Tangible Common Equity to Tangible Assets 11.14 % 11.04 % 11.15 % 11.37 % 11.31 % AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Segment Reporting Table 10 Three Months Ended Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands) 2026 2026 2026 2025 2025 2026 2025 Retail Mortgage Division Net interest income $ 14,622 $ 15,844 $ 16,828 $ 19,312 $ 20,179 $ 47,294 $ 64,054 Provision for credit losses 2,397 (3,346 ) 3,074 (3,142 ) 529 2,125 6,730 Noninterest income 28,452 32,151 36,316 30,056 40,081 96,919 112,536 Noninterest expense Salaries and employee benefits 19,278 21,493 21,912 21,413 21,589 62,683 66,942 Occupancy and equipment expenses 662 685 649 754 760 1,996 2,400 Data processing and telecommunications expenses 1,334 1,302 1,224 1,315 1,232 3,860 3,920 Other noninterest expenses 11,592 11,587 12,532 11,547 12,480 35,711 36,939 Total noninterest expense 32,866 35,067 36,317 35,029 36,061 104,250 110,201 Income before income tax expense 7,811 16,274 13,753 17,481 23,670 37,838 59,659 Income tax expense 1,641 3,417 2,888 3,671 4,970 7,946 12,528 Net income $ 6,170 $ 12,857 $ 10,865 $ 13,810 $ 18,700 $ 29,892 $ 47,131 Warehouse Lending Division Net interest income $ 9,507 $ 8,825 $ 7,594 $ 7,430 $ 7,474 $ 25,926 $ 20,467 Provision for credit losses (34 ) 184 177 129 23 327 217 Noninterest income 913 794 796 736 756 2,503 3,203 Noninterest expense Salaries and employee benefits 591 468 544 556 566 1,603 1,736 Occupancy and equipment expenses 8 7 8 7 7 23 21 Data processing and telecommunications expenses 65 59 35 54 57 159 154 Other noninterest expenses 175 184 179 195 195 538 561 Total noninterest expense 839 718 766 812 825 2,323 2,472 Income before income tax expense 9,615 8,717 7,447 7,225 7,382 25,779 20,981 Income tax expense 2,019 1,831 1,564 1,517 1,550 5,414 4,406 Net income $ 7,596 $ 6,886 $ 5,883 $ 5,708 $ 5,832 $ 20,365 $ 16,575 Premium Finance Division Net interest income $ 14,833 $ 12,515 $ 11,647 $ 11,802 $ 12,251 $ 38,995 $ 33,321 Provision for credit losses 222 417 1,447 926 461 2,086 1,633 Noninterest income 19 18 17 17 18 54 51 Noninterest expense Salaries and employee benefits 3,032 2,865 2,664 2,446 2,492 8,561 7,175 Occupancy and equipment expenses 33 40 38 37 39 111 112 Data processing and telecommunications expenses 187 169 186 106 101 542 321 Other noninterest expenses 439 390 687 1,240 1,075 1,516 3,159 Total noninterest expense 3,691 3,464 3,575 3,829 3,707 10,730 10,767 Income before income tax expense 10,939 8,652 6,642 7,064 8,101 26,233 20,972 Income tax expense 2,297 1,817 1,384 1,450 1,669 5,498 4,293 Net income $ 8,642 $ 6,835 $ 5,258 $ 5,614 $ 6,432 $ 20,735 $ 16,679 AMERIS BANCORP AND SUBSIDIARIES FINANCIAL TABLES Segment Reporting (continued) Table 10 Three Months Ended Nine Months Ended Sep Jun Mar Dec Sep Sep Sep (dollars in thousands) 2026 2026 2026 2025 2025 2026 2025 Banking Division Net interest income $ 218,716 $ 215,300 $ 208,367 $ 206,763 $ 198,060 $ 642,383 $ 573,774 Provision for credit losses 9,993 19,998 11,853 25,037 21,617 41,844 38,714 Noninterest income 34,783 40,569 32,791 31,018 35,419 108,143 93,418 Noninterest expense Salaries and employee benefits 67,429 66,668 66,246 57,582 66,301 200,343 191,018 Occupancy and equipment expenses 11,870 11,823 10,930 10,523 10,718 34,623 31,069 Data processing and telecommunications expenses 15,510 14,041 15,348 14,761 14,668 44,899 41,884 Other noninterest expenses 26,543 110,933 23,898 20,554 22,286 161,374 73,449 Total noninterest expense 121,352 203,465 116,422 103,420 113,973 441,239 337,420 Income before income tax expense 122,154 32,406 112,883 109,324 97,889 267,443 291,058 Income tax expense 28,469 7,538 24,397 26,100 22,824 60,404 67,645 Net income $ 93,685 $ 24,868 $ 88,486 $ 83,224 $ 75,065 $ 207,039 $ 223,413 Total Consolidated Net interest income $ 257,678 $ 252,484 $ 244,436 $ 245,307 $ 237,964 $ 754,598 $ 691,616 Provision for credit losses 12,578 17,253 16,551 22,950 22,630 46,382 47,294 Noninterest income 64,167 73,532 69,920 61,827 76,274 207,619 209,208 Noninterest expense Salaries and employee benefits 90,330 91,494 91,366 81,997 90,948 273,190 266,871 Occupancy and equipment expenses 12,573 12,555 11,625 11,321 11,524 36,753 33,602 Data processing and telecommunications expenses 17,096 15,571 16,793 16,236 16,058 49,460 46,279 Other noninterest expenses 38,749 123,094 37,296 33,536 36,036 199,139 114,108 Total noninterest expense 158,748 242,714 157,080 143,090 154,566 558,542 460,860 Income before income tax expense 150,519 66,049 140,725 141,094 137,042 357,293 392,670 Income tax expense 34,426 14,603 30,233 32,738 31,013 79,262 88,872 Net income $ 116,093 $ 51,446 $ 110,492 $ 108,356 $ 106,029 $ 278,031 $ 303,798 Category: Earnings For more information, contact: Brady Gailey Executive Director of Corporate Development (404) 240-1517 Source: Ameris Bancorp