Ameris Bancorp
amerisbank.comWhat Do They Do?
Provides banking, mortgage and insurance-premium financing services to individuals and businesses.
10-K for FY2025, filed Feb 26, 2026We are a financial holding company whose business is conducted primarily through our wholly owned banking subsidiary, Ameris Bank (the…View ↗
Ameris BankView ↗
Commercial and Industrial Loans. Generally, commercial and industrial loans consist of loans made primarily to manufacturers, wholesalers…View ↗
How Do They Make Money?
Ameris receives fees for debit-card transactions, overdrafts, deposit-account transactions and ATM use; these fees are charged when the transaction occurs, while monthly account-maintenance fees accrue over the month.
10-K for FY2025, filed Feb 26, 2026Debit Card Interchange Fees - The Company earns debit card interchange fees from debit cardholder transactions conducted through various…View ↗
Overdraft Fees - Overdraft fees are recognized at the point in time that the overdraft occurs.View ↗
Other Service Charges on Deposit Accounts - Other service charges on deposit accounts include both transaction-based fees and account…View ↗
ATM Fees - Transaction-based ATM usage fees are recognized at the time the transaction is executed as that is the point at which the…View ↗
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10-K for FY2025, filed Feb 26, 2026
FY2025 revenue by reportable segment ↗
$1.4B
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10-K for FY2025, filed Feb 26, 2026
$1.4B ↗
| Segment | Share | Revenue |
|---|---|---|
|
Banking Division
|
69%
FY2022: 73%
|
Banking Division, FY2025
$968.6M Sources
|
|
Retail Mortgage
|
17%
FY2022: 17%
|
Retail Mortgage, FY2025
$238.8M Sources
|
|
Warehouse Lending
|
5.1%
FY2022: 4.9%
|
Warehouse Lending, FY2025
$70.7M Sources
|
|
Premium Finance Division
|
8.4%
FY2022: 5.2%
|
Premium Finance Division, FY2025
$116.4M Sources
|
Who Are Their Customers?
Individuals and businesses in its market areas use Ameris Bank for deposits and banking services; its lending officers solicit commercial borrowers directly, while select lending channels serve consumer and business customers nationwide.
10-K for FY2025, filed Feb 26, 2026We are a financial holding company whose business is conducted primarily through our wholly owned banking subsidiary, Ameris Bank (the…View ↗
The Bank originates loans outside of our market areas through our national lines of business, including equipment finance, premium finance…View ↗
We actively market our services to qualified lending customers in both the commercial and consumer sectors. Our commercial lending officers…View ↗
The Company provides a full range of deposit accounts and services to both retail and commercial customers. These deposit accounts have a…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 30 cents of every revenue dollar as net income in FY2025 and turned 27 cents into free cash flow.
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 7, 2026
$51.4MView ↗
- ▼ −53%
- vs $109.8M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Growing. Revenue grew 98% in 4 years, from $703.1M in FY2021 to $1.4B in FY2025, about 19% a year.
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