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Ameris Bancorp (ABCB) investor relations material
Ameris Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $106.0 million ($1.54 per diluted share), up from $99.2 million ($1.44 per share) in Q3 2024, with ROA at 1.56% and ROTCE at 14.57%.
Tangible book value per share grew 15.2% annualized to $42.90.
Net interest margin expanded to 3.80%, among the top in the industry, and the efficiency ratio improved to 49.19%.
Revenue growth was 18% annualized, with a modest decline in expenses and improved operating leverage.
Optimism for continued growth into 2025 and 2026, leveraging disruption and expansion opportunities in Southeastern markets.
Financial highlights
Net interest income for Q3 2025 rose 11.1% year-over-year to $238.9 million; net interest margin increased to 3.80% from 3.51%.
Total assets reached $27.1 billion at September 30, 2025, with loans at $21.26 billion and deposits at $22.23 billion.
Allowance for credit losses on loans was 1.62% of total loans, with net charge-offs at 0.14% annualized.
Noninterest income for Q3 2025 was $76.3 million, up 9.4% year-over-year, driven by equipment finance, derivative fees, and securities gains.
Tangible common equity to tangible assets ratio was 11.31%.
Outlook and guidance
Management expects to leverage robust capital and strong deposit growth to pursue further expansion in the Southeast in 2026 and beyond.
Asset sensitivity remains near neutral, preparing for potential FOMC rate changes.
Loan and deposit growth anticipated in the mid-single-digit range, with potential for higher growth if market conditions improve.
Efficiency ratio expected to return above 50% in the fourth quarter.
Interest rate risk and credit quality remain key areas of monitoring, with simulation models indicating manageable net interest income sensitivity to rate changes.
What drove mortgage income despite lower production?
Outlook on future provision for unfunded commitments
Rationale for debt redemption and share repurchase?
How does competition impact loan pricing and volume?
How will deposit costs evolve with rate cuts?
Is M&A a priority over organic growth?
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Next Ameris Bancorp earnings date
Q4 202530 Jan, 2026
Next Ameris Bancorp earnings date
Q4 202530 Jan, 2026
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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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