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Ameris Bank
Atlanta, GA · FDIC Certificate #20504 · Chartered 10/0
Total assets
$28.42B
Total deposits
$22.69B
Total equity
$4.07B
Net loans
$22.30B
Branches (offices)
166
Net income (YTD)
$171.86M
Rank: #76 of 4,213 U.S. banks by assets · #1 of 123 in Georgia. Assets changed 6.8% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 8.46% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 14.31% |
| Tier 1 leverage ratio | 11.41% |
| Uninsured deposits (share of deposits) | 45.6% |
| Noncurrent loans (share of loans) | 0.57% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 98.3% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.75B | 70.6% | |
| Commercial & industrial | $3.97B | 17.8% | |
| Consumer / individual | $164.34M | 0.7% | |
| Construction & development | $1.70B | 7.6% | |
| Agricultural | $71.76M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $23.59B | $19.83B | $183.61M | $3.29B |
| Jun 2023 | $25.71B | $20.54B | $137.55M | $3.47B |
| Jun 2024 | $26.43B | $21.57B | $180.33M | $3.72B |
| Jun 2025 | $26.60B | $22.11B | $210.42M | $3.92B |
| Jun 2026 | $28.42B | $22.69B | $171.86M | $4.07B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $15.60B | 102 |
| Florida | $5.85B | 49 |
| South Carolina | $982.70M | 10 |
| Alabama | $165.45M | 4 |
| North Carolina | $92.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $22.69B.
Similar-sized banks
Sallie Mae Bank ($28.54B) · Arvest Bank ($28.05B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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