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Ameris Bancorp (ABCB) investor relations material
Ameris Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income for Q2 2025 was $109.8M ($1.60 per diluted share), up 21% year-over-year and 25% sequentially, with ROA at 1.65% and ROTCE at 15.82%.
Tangible book value per share grew 15.5% annualized to $41.32, surpassing $41 for the first time.
Loan growth was $335M (6.5% annualized), mainly from C&I, with highest production since 2022.
Noninterest-bearing deposits remained strong at 31% of total deposits.
Total assets at June 30, 2025 were $26.68B.
Financial highlights
Net interest income rose to $232.7M, up 9.3% year-over-year, with net interest margin expanding to 3.77%.
Efficiency ratio improved to 51.63% from 52.83% sequentially.
Allowance for credit losses on loans was 1.62% of loans.
Noninterest income for Q2 2025 was $68.9M, with mortgage banking activity driving sequential growth.
Tangible common equity to tangible assets ratio was 11.09% at June 30, 2025.
Outlook and guidance
Loan and deposit growth expected to continue in the mid-single digit range, with net interest margin projected to normalize above 3.60–3.65%.
Management expects to capitalize on Southeast growth opportunities and maintain strong profitability and efficiency through 2025.
Asset sensitivity remains near neutral, preparing for potential FOMC rate changes.
Noninterest expense for Q3 expected to be consistent with Q2, in the $156–158M range.
Forward-looking statements highlight risks from economic, market, and regulatory changes.
Explain the increase in mortgage banking activity.
Why redeem subordinated notes at a premium?
Discuss the outlook for noninterest-bearing deposits.
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Next Ameris Bancorp earnings date
Q3 202528 Oct, 2025
Next Ameris Bancorp earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Ameris Bancorp operates as a financial holding company, primarily through its subsidiary, Ameris Bank. The company offers a broad range of banking services, including commercial and retail banking, mortgage lending, and treasury management. It caters to individual and business clients across the southeastern United States. The company is headquartered in Atlanta, Georgia, and its shares are listed on the NASDAQ.
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