Ameris Bancorp (ABCB) investor relations material

Investment rationale and market positioning

• Delivers top peer financial results with disciplined credit, liquidity, expense, and capital management.

• Maintains a diversified and granular loan portfolio across geographies and product lines.

• Holds leading deposit market share in key Southeast cities, with markets projected to grow faster than the national average.

• Focuses on shareholder value, achieving 11% annualized tangible book value growth over five years.

• Operates in Southeast markets expected to grow 1.9x the national average over the next five years.

Financial and operating performance

• Reported 2Q26 adjusted net income of $107.3 million ($1.60 per diluted share) and adjusted ROA of 1.53%.

• Net interest margin remained stable at 3.88% in 2Q26, with average earning assets up 8.5% annualized.

• Adjusted efficiency ratio improved to 50.42% in 2Q26, reflecting disciplined expense control.

• Tangible book value per share grew by $0.31 in 2Q26, reaching $45.10.

• Share repurchases totaled $19.0 million in 2Q26, with $65.4 million remaining under the current program.

Balance sheet, capital, and deposits

• Maintains a strong capital base with a CET1 ratio of 12.8% and TCE ratio of 11.0%.

• Noninterest-bearing deposits represent 30.0% of total deposits, supporting a stable funding base.

• Brokered CDs comprise only 6.7% of total deposits, with a granular deposit base averaging $45,949 per account.

• Earnings are expected to add 25–35 basis points to capital each quarter, assuming a flat balance sheet.