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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Ameris Bancorp
Ameris Bancorp (ABCB) investor relations material
Ameris Bancorp Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
Q3 net income was $116.1M, or $1.73 diluted EPS, versus $106.0M and $1.54 a year earlier; ROAA was 1.61%.
Average earning assets grew $300.5M, loans $173.1M and deposits $319.4M; annualized growth rates were 4.5%, 3.1% and 5.6%, respectively.
Nine-month net income fell to $278.0M from $303.8M, primarily reflecting an $84.9M litigation accrual tied mainly to a California employment-case verdict.
Financial highlights
Q3 tax-equivalent net interest income was $258.6M, up $5.2M QoQ and $19.7M YoY; GAAP net interest income was $257.7M.
Q3 tax-equivalent revenue was $321.8M; noninterest income was $64.2M, down $9.4M QoQ, including a $7.2M decline in securities gains and lower mortgage revenue.
Noninterest expense was $158.7M versus $154.6M YoY; adjusted Q3 expense was $157.8M versus $160.2M QoQ.
YTD reported net income was $278.0M, down from $303.8M; adjusted net income rose 11% to $333.8M and adjusted diluted EPS rose 13% to $4.96.
September 30 assets were $28.55B, loans $22.35B and deposits $22.91B.
Outlook and guidance
Near-term loan and deposit growth was expected in the mid-single digits; deposit growth will guide longer-term loan growth.
Adjusted efficiency ratio was expected to finish the year near 50%; core quarterly expenses were projected at $165M-$169M for 2027, with mortgage activity affecting costs.
Net charge-offs were expected at 20-25 bps near term; margin could fluctuate by a few basis points for several quarters amid deposit pricing and mix pressures.
Interest-rate simulation projected 12-month NII changes of +2.2% under +200 bps and -1.5% under -200 bps; 24-month changes were +7.2% and -8.1%.
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Latest events from Ameris Bancorp
- Strong Southeast market share, stable margins, and disciplined growth drive shareholder value.ABCB
Investor presentation - Adjusted net income held steady as core growth offset litigation costs, with stable margins.ABCBQ2 2026
- All proposals passed with strong support; no questions were raised during the meeting.ABCBAGM 2026
- Net income grew 25.7% year-over-year, with improved margins and strong capital returns.ABCBQ1 2026
- 2Q25 delivered strong earnings, margin expansion, and stable credit quality with robust capital levels.ABCBInvestor presentation
- Virtual meeting to elect directors, ratify auditor, and approve executive pay on May 21, 2026.ABCBProxy filing
- Proxy covers director elections, auditor ratification, say-on-pay, and strong governance and ESG.ABCBProxy filing
- Record net income, margin expansion, and strong capital support continued growth momentum.ABCBQ4 2025
- Q2 net income up 45% year-over-year, with strong growth in loans, deposits, and book value.ABCBQ2 2024
Next Ameris Bancorp earnings date
Q4 202629 Jan, 2027
Ameris Bancorp
Next Ameris Bancorp earnings date
Q4 202629 Jan, 2027
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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.