← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

Ameris Bank

Atlanta, Georgia · $28.42B in assets · beside the 11 other the Southeast banks over $10B (the state alone holds too few in the band to rank)

The filing

99.8%
Loans / deposits
12th of 12
61.0%
Efficiency
12th of 12
14.3%
Equity / assets
4th of 12

Ameris Bank is the seventh largest of the 12 the Southeast banks nearest its size over $10B, with $28.42B in assets at 30 June 2026. Loans are 99.8% of deposits, the highest in the cohort against a median of 89.6%, and equity is 14.3% of assets, 4th of 12. Loans grew +5.0% in the year, 8th of 12, and deposits grew 2.6%; the cohort's median loan growth is +6.5%.

Noncurrent loans are 0.57% of the book, 7th of 12 against a median of 0.54%; 0.52% is 30 to 89 days past due, and the allowance covers them 2.8 times. Net charge-offs are 0.20% of loans, 10th of 12. Commercial real estate is 39.4% of loans, 6th of 12 against a median of 39.5%, and 263% of capital, below the 300% screen, with construction at 50% against the 100% screen.

Return on assets is 1.22%, 8th of 12 against a median of 1.39%, on an efficiency ratio of 61.0%, the highest in the cohort. Five years ago it was 2.11%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsSoutheast banks over $10B · 30 June 2026 · lower is stronger, listed first
median 89.6% SN Seacoast National Bank 78.3% FB First Bank 81.1% T Townebank 82.2% BN Bankunited National Association 82.3% UC United Community Bank 83.0% LO Live Oak Banking Co. 89.5% WB Wesbanco Bank Inc 89.7% RJ Raymond James Bank 89.8% UB United Bank 91.6% CN City National Bank of Florida 93.2% AU Atlantic Union Bank 93.8% AB Ameris Bank 99.8%
Loans, year over yearSoutheast banks over $10B · 30 June 2026 · no better direction, largest first
median +6.5% SN Seacoast National Bank +24.0% T Townebank +22.9% LO Live Oak Banking Co. +15.6% FB First Bank +9.3% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% UC United Community Bank +5.4% AB Ameris Bank +5.0% AU Atlantic Union Bank +4.9% UB United Bank +3.9% WB Wesbanco Bank Inc +3.1% BN Bankunited National Association -0.1%

SBA 7(a), FY2008 to FY2026

Ameris Bank is the 4th largest 7(a) lender into Georgia of 409, with $792M across 980 loans, 4.0% of everything approved in the state (Metro City Bank leads with $1.91B). 385 of its 445 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$193M2nd of 2116.1%-1.3 pts
Gwinnett, GA$78M3rd of 1693.3%quiet FY2022
Dekalb, GA$69M3rd of 1514.4%-0.3 pts
Cobb, GA$69M5th of 1824.0%quiet FY2020
Duval, FL$68M4th of 1715.1%-1.3 pts
Harris, TX$39M50th of 3140.5%+0.0 pts
Saint Johns, FL$36M2nd of 1137.0%quiet FY2021
Cherokee, GA$35M2nd of 1175.9%+1.5 pts
Chatham, GA$34M5th of 1214.8%quiet FY2021
Orange, FL$26M24th of 2011.3%-0.1 pts
Forsyth, GA$25M5th of 1203.5%-0.6 pts
Fayette, GA$22M4th of 906.5%quiet FY2022
Hillsborough, FL$20M31st of 1950.9%quiet FY2021
432 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services543$495M27.3%0.65%41st of 2,596
Retail trade477$418M23.0%0.69%28th of 2,589
Health care & social assistance298$260M14.3%0.55%34th of 2,172
Other services186$122M6.7%0.35%61st of 2,248
Manufacturing102$104M5.8%0.26%65th of 2,246
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Ameris Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Ameris BankRankCohort median
Total CRE against capital, the 300% screen263%8th of 12253%
Construction against capital, the 100% screen50%7th of 1249%
Construction and land development, share of loans7.5%7th of 127.4%
Non-owner-occupied nonfarm nonresidential, share of loans23.0%6th of 1224.0%
Total CRE, the guidance definition, share of loans39.4%6th of 1239.5%
CRE growth over 36 months, the third prong+13.8%3rd of 12+24.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Atlantic Union Bank$38.02B1.6%50.4%0.50%0.02%1.0%93.8%15.2%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
United Bank$33.64B1.5%46.3%0.44%0.09%1.2%91.6%16.7%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
United Community Bank$28.99B1.4%57.0%0.51%0.18%0.8%83.0%11.8%
Ameris Bank$28.42B1.2%61.0%0.57%0.20%1.6%99.8%14.3%
Wesbanco Bank Inc$27.75B1.4%52.9%0.86%0.09%1.1%89.7%15.2%
Townebank$22.62B2.1%57.8%0.22%0.10%1.3%82.2%13.2%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Live Oak Banking Co.$15.96B1.0%53.2%4.01%0.65%1.5%89.5%7.6%
First Bank$13.03B1.5%49.1%0.49%0.05%1.4%81.1%13.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Ameris BankCohort median
20212026Change20212026Change
Loans$15.99B$22.66B+42%$11.98B$20.30B+69%
Deposits$18.40B$22.69B+23%$16.64B$22.40B+35%
NPA / loans0.41%0.57%+0.17 pts0.47%0.54%+0.07 pts
Efficiency51.0%61.0%+10.0 pts53.3%53.1%-0.3 pts
ROA2.11%1.22%-0.89 pts1.49%1.39%-0.10 pts

This read was prepared for Ameris Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Ameris Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks over $10B
Institution www.amerisbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue