# Ameris Bancorp

Summary updated: 2026-10-02T16:30:00.462698Z
Canonical: https://finbar.com/research/companies/ameris-bancorp

## Overview

Ameris Bancorp is a financial holding company whose banking and related financial services are conducted primarily through Ameris Bank. Its core business includes retail and commercial banking, mortgage banking, warehouse lending, insurance-premium financing and equipment finance. Ameris describes its purpose as bringing “financial peace of mind” to customers and communities. [1](https://app.finbar.com/go?id=P154780931)[2](https://app.finbar.com/go?id=P85980807)[3](https://newsroom.amerisbank.com/Our-Company/default.aspx)

Ameris Bank’s branch network is concentrated in the Southeastern United States, with 163 full-service locations across Georgia, Alabama, Florida, North Carolina and South Carolina as of June 30, 2026. The company also provides certain lending services nationally, and mortgage-only locations extend into additional states. [1](https://app.finbar.com/go?id=P154780931)[2](https://app.finbar.com/go?id=P85980807)[4](https://www.amerisbank.com/about/about-ameris)

As of June 30, 2026, Ameris reported approximately $28.5 billion in assets and about 2,700 teammates. It traces its origins to American Banking Company, which opened in Moultrie, Georgia, in 1971. [5](https://app.finbar.com/go?id=T17852864)[6](https://newsroom.amerisbank.com/press-releases/press-release-details/2026/Ameris-Bancorp-Announces-Second-Quarter-2026-Financial-Results/default.aspx)[3](https://newsroom.amerisbank.com/Our-Company/default.aspx)
[1](https://app.finbar.com/go?id=P154780931)[2](https://app.finbar.com/go?id=P85980807)[5](https://app.finbar.com/go?id=T17852864)[3](https://newsroom.amerisbank.com/Our-Company/default.aspx)[4](https://www.amerisbank.com/about/about-ameris)[6](https://newsroom.amerisbank.com/press-releases/press-release-details/2026/Ameris-Bancorp-Announces-Second-Quarter-2026-Financial-Results/default.aspx)[3](https://newsroom.amerisbank.com/Our-Company/default.aspx)[4](https://www.amerisbank.com/about/about-ameris)[6](https://newsroom.amerisbank.com/press-releases/press-release-details/2026/Ameris-Bancorp-Announces-Second-Quarter-2026-Financial-Results/default.aspx)

## Products & services

Ameris Bank’s consumer deposit products include Free, Benefits and Interest Checking; Personal, Money Market, Minor, Health Savings and Education Savings accounts; certificates of deposit; and IRAs. Its CD terms range from one month to five years, with a $1,000 opening minimum. [7](https://www.amerisbank.com/personal/checking/personal-checking-accounts)[8](https://www.amerisbank.com/personal/savings/personal-savings-accounts)[9](https://www.amerisbank.com/personal/savings/certificates-of-deposit) Consumer credit offerings include unsecured personal loans and lines of credit, home-equity loans and HELOCs, auto and recreational-vehicle loans, and mortgages that include fixed- and adjustable-rate options, construction financing and down-payment assistance. [10](https://www.amerisbank.com/personal/personal-loans/personal-loans-lines-of-credit)[11](https://www.amerisbank.com/personal/personal-loans/home-equity-loans-and-lines-of-credit)[12](https://www.amerisbank.com/personal/personal-loans/auto-recreational-loans)[13](https://www.amerisbank.com/personal/home-loans/mortgage-loans)

Commercial lending includes commercial real-estate and construction loans, term loans, working-capital and inventory financing, equipment financing, SBA loans, and agricultural equipment and insurance-premium financing. The company’s 2025 annual report identifies commercial insurance-premium, equipment-finance and SBA lending among its activities, as well as one-to-four-family mortgage origination, acquisition, sale and servicing. [2](https://app.finbar.com/go?id=P85980807)[14](https://www.amerisbank.com/commercial/loans/equipment-financing)[15](https://www.amerisbank.com/commercial/loans/term-loans)[16](https://www.amerisbank.com/commercial/loans/working-capital-and-inventory-loans)[17](https://www.amerisbank.com/commercial/loans/commercial-real-estate-lending)

Treasury and payment services include ACH and payroll services, domestic and international wires, Positive Pay and ACH debit blocking, remote deposit, merchant card processing, and Integrated Payables for ACH, cards, checks and wires; Treasury Essentials packages bundle services by tier. [18](https://www.amerisbank.com/commercial/treasury-services/treasury-essentials)[19](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/ach-payment-services)[20](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/online-business-wire-transfer)[21](https://www.amerisbank.com/commercial/treasury-services/positive-pay)[22](https://www.amerisbank.com/commercial/treasury-services/receivables/merchant-services)[23](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/integrated-payables) Personal online and mobile banking offers account access, transfers, bill pay and alerts; Ameris Premier Banking combines wealth-management guidance with cash-management services and customized personal and business lending. [24](https://www.amerisbank.com/personal/digital-banking/online-banking)[25](https://www.amerisbank.com/personal/specialty-banking/premier-banking) At December 31, 2025, 70.4% of the loan portfolio was secured by real estate; this is collateral composition, not a product revenue share. [26](https://app.finbar.com/go?id=P24258110)
[2](https://app.finbar.com/go?id=P85980807)[26](https://app.finbar.com/go?id=P24258110)[7](https://www.amerisbank.com/personal/checking/personal-checking-accounts)[8](https://www.amerisbank.com/personal/savings/personal-savings-accounts)[9](https://www.amerisbank.com/personal/savings/certificates-of-deposit)[10](https://www.amerisbank.com/personal/personal-loans/personal-loans-lines-of-credit)[11](https://www.amerisbank.com/personal/personal-loans/home-equity-loans-and-lines-of-credit)[12](https://www.amerisbank.com/personal/personal-loans/auto-recreational-loans)[13](https://www.amerisbank.com/personal/home-loans/mortgage-loans)[14](https://www.amerisbank.com/commercial/loans/equipment-financing)[15](https://www.amerisbank.com/commercial/loans/term-loans)[16](https://www.amerisbank.com/commercial/loans/working-capital-and-inventory-loans)[17](https://www.amerisbank.com/commercial/loans/commercial-real-estate-lending)[18](https://www.amerisbank.com/commercial/treasury-services/treasury-essentials)[19](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/ach-payment-services)[20](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/online-business-wire-transfer)[21](https://www.amerisbank.com/commercial/treasury-services/positive-pay)[22](https://www.amerisbank.com/commercial/treasury-services/receivables/merchant-services)[23](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/integrated-payables)[24](https://www.amerisbank.com/personal/digital-banking/online-banking)[25](https://www.amerisbank.com/personal/specialty-banking/premier-banking)

## Geographic presence

Ameris Bancorp’s banking operations are concentrated in Georgia, Alabama, Florida, North Carolina and South Carolina. At June 30, 2026, Ameris Bank operated 163 branches in select markets across those five states, with its headquarters in Atlanta, Georgia. [1](https://app.finbar.com/go?id=P154780931)[27](https://app.finbar.com/go?id=P99022448)

The FY2025 10-K also reported 163 branch locations—137 owned and 26 leased—and 30 mortgage and loan-production offices. The company’s official location finder additionally lists mortgage-only locations in Virginia, Maryland and Tennessee. [28](https://app.finbar.com/go?id=P71259144)[29](https://banks.amerisbank.com/?trk=public_post-text) At December 31, 2025, Ameris Bancorp had 2,673 full-time-equivalent employees, primarily located in its five core states; state-level employee counts were not reported. [30](https://app.finbar.com/go?id=P81526467)
[1](https://app.finbar.com/go?id=P154780931)[27](https://app.finbar.com/go?id=P99022448)[28](https://app.finbar.com/go?id=P71259144)[30](https://app.finbar.com/go?id=P81526467)[29](https://banks.amerisbank.com/?trk=public_post-text)

## Business segments

Ameris Bancorp reports four business segments: Banking, Retail Mortgage, Warehouse Lending and Premium Finance. Its 2026 second-quarter filing continues to identify these as reportable segments. [31](https://app.finbar.com/go?id=P154781104)

The Banking Division provides full-service financial services, including commercial and consumer loans and deposit accounts; it generated approximately 83.3% of FY2025 segment net interest income. Retail Mortgage originates, sells and services one-to-four-family residential mortgage loans, contributing approximately 8.9%. Warehouse Lending originates and services warehouse lines secured by underlying one-to-four-family residential mortgage loans, contributing approximately 3.0%. Premium Finance originates and services commercial and life insurance premium-finance loans, contributing approximately 4.8%. Shares are calculated from FY2025 segment net interest income of $936.9 million and are approximate. [32](https://app.finbar.com/go?id=P69467886)[33](https://app.finbar.com/go?id=P64408764)[34](https://app.finbar.com/go?id=T11406744)
[31](https://app.finbar.com/go?id=P154781104)[32](https://app.finbar.com/go?id=P69467886)[33](https://app.finbar.com/go?id=P64408764)[34](https://app.finbar.com/go?id=T11406744)[34](https://app.finbar.com/go?id=T11406744)[34](https://app.finbar.com/go?id=T11406744)[34](https://app.finbar.com/go?id=T11406744)[34](https://app.finbar.com/go?id=T11406744)

## Company history

Ameris began as American Banking Company, opening in Moultrie, Georgia, on October 1, 1971, with one location and $1 million in capital. It made its first acquisition in 1979, when it acquired Toney Brothers Bank, and formed ABC Holding Company in 1980. The company expanded into Alabama in 1996 and Florida in 2001, adopted the Ameris Bank name in 2005, and entered South Carolina in 2006. [3](https://newsroom.amerisbank.com/Our-Company/default.aspx)

A later period of expansion included the 2016 merger with Jacksonville Bancorp, followed in 2018 by acquisitions of Atlantic Coast Financial and Hamilton State Bancshares. [35](https://content.edgar-online.com/ExternalLink/EDGAR/0001144204-16-087692.html?dest=V433989_EX4-10_HTM&hash=5fe140ff692370c72398f81b46335a84c0c8b93fdba958f084c80efb1d3cf7fc) [36](https://www.sec.gov/Archives/edgar/data/351569/000114420418031203/tv495211_ex99-1.htm) [37](https://ir.amerisbank.com/news/news-details/2018/Ameris-Bancorp-Completes-Acquisition-Of-Hamilton-State-Bancshares-Inc.-And-Announces-Date-Of-Second-Quarter-2018-Earnings-Release-Date-And-Conference-Call/default.aspx) Dennis J. Zember Jr. became president and CEO in July 2018; after Ameris completed its acquisition of Fidelity Southern Corporation, H. Palmer Proctor Jr. became CEO on July 1, 2019. [38](https://ir.amerisbank.com/news/news-details/2018/Ameris-Bancorp-Announces-CEO-Succession/default.aspx) [39](https://ir.amerisbank.com/news/news-details/2019/Ameris-Bancorp-Completes-Acquisition-Of-Fidelity-Southern-Corporation-and-Announces-Appointment-Of-New-CEO/default.aspx) In 2021, Ameris expanded into North Carolina and acquired Balboa Capital, an online small-business lender, which became a division of Ameris Bank. [3](https://newsroom.amerisbank.com/Our-Company/default.aspx) [40](https://newsroom.amerisbank.com/Community-News/Community-News-Details/2021/Ameris-Bank-Acquires-Balboa-Capital-12-03-2021/default.aspx)
[3](https://newsroom.amerisbank.com/Our-Company/default.aspx)[35](https://content.edgar-online.com/ExternalLink/EDGAR/0001144204-16-087692.html?dest=V433989_EX4-10_HTM&hash=5fe140ff692370c72398f81b46335a84c0c8b93fdba958f084c80efb1d3cf7fc)[36](https://www.sec.gov/Archives/edgar/data/351569/000114420418031203/tv495211_ex99-1.htm)[37](https://ir.amerisbank.com/news/news-details/2018/Ameris-Bancorp-Completes-Acquisition-Of-Hamilton-State-Bancshares-Inc.-And-Announces-Date-Of-Second-Quarter-2018-Earnings-Release-Date-And-Conference-Call/default.aspx)[38](https://ir.amerisbank.com/news/news-details/2018/Ameris-Bancorp-Announces-CEO-Succession/default.aspx)[39](https://ir.amerisbank.com/news/news-details/2019/Ameris-Bancorp-Completes-Acquisition-Of-Fidelity-Southern-Corporation-and-Announces-Appointment-Of-New-CEO/default.aspx)[40](https://newsroom.amerisbank.com/Community-News/Community-News-Details/2021/Ameris-Bank-Acquires-Balboa-Capital-12-03-2021/default.aspx)

## Sources

1. [Ameris Bancorp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P154780931)
2. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P85980807)
3. [newsroom.amerisbank.com](https://newsroom.amerisbank.com/Our-Company/default.aspx)
4. [www.amerisbank.com](https://www.amerisbank.com/about/about-ameris)
5. [Ameris Bancorp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17852864)
6. [newsroom.amerisbank.com](https://newsroom.amerisbank.com/press-releases/press-release-details/2026/Ameris-Bancorp-Announces-Second-Quarter-2026-Financial-Results/default.aspx)
7. [www.amerisbank.com](https://www.amerisbank.com/personal/checking/personal-checking-accounts)
8. [www.amerisbank.com](https://www.amerisbank.com/personal/savings/personal-savings-accounts)
9. [www.amerisbank.com](https://www.amerisbank.com/personal/savings/certificates-of-deposit)
10. [www.amerisbank.com](https://www.amerisbank.com/personal/personal-loans/personal-loans-lines-of-credit)
11. [www.amerisbank.com](https://www.amerisbank.com/personal/personal-loans/home-equity-loans-and-lines-of-credit)
12. [www.amerisbank.com](https://www.amerisbank.com/personal/personal-loans/auto-recreational-loans)
13. [www.amerisbank.com](https://www.amerisbank.com/personal/home-loans/mortgage-loans)
14. [www.amerisbank.com](https://www.amerisbank.com/commercial/loans/equipment-financing)
15. [www.amerisbank.com](https://www.amerisbank.com/commercial/loans/term-loans)
16. [www.amerisbank.com](https://www.amerisbank.com/commercial/loans/working-capital-and-inventory-loans)
17. [www.amerisbank.com](https://www.amerisbank.com/commercial/loans/commercial-real-estate-lending)
18. [www.amerisbank.com](https://www.amerisbank.com/commercial/treasury-services/treasury-essentials)
19. [www.amerisbank.com](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/ach-payment-services)
20. [www.amerisbank.com](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/online-business-wire-transfer)
21. [www.amerisbank.com](https://www.amerisbank.com/commercial/treasury-services/positive-pay)
22. [www.amerisbank.com](https://www.amerisbank.com/commercial/treasury-services/receivables/merchant-services)
23. [www.amerisbank.com](https://www.amerisbank.com/commercial/treasury-services/account-payable-solutions/integrated-payables)
24. [www.amerisbank.com](https://www.amerisbank.com/personal/digital-banking/online-banking)
25. [www.amerisbank.com](https://www.amerisbank.com/personal/specialty-banking/premier-banking)
26. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P24258110)
27. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P99022448)
28. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P71259144)
29. [banks.amerisbank.com](https://banks.amerisbank.com/?trk=public_post-text)
30. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P81526467)
31. [Ameris Bancorp — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P154781104)
32. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P69467886)
33. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=P64408764)
34. [Ameris Bancorp — Full financial report (2025 Y)](https://app.finbar.com/go?id=T11406744)
35. [content.edgar-online.com](https://content.edgar-online.com/ExternalLink/EDGAR/0001144204-16-087692.html?dest=V433989_EX4-10_HTM&hash=5fe140ff692370c72398f81b46335a84c0c8b93fdba958f084c80efb1d3cf7fc)
36. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/351569/000114420418031203/tv495211_ex99-1.htm)
37. [ir.amerisbank.com](https://ir.amerisbank.com/news/news-details/2018/Ameris-Bancorp-Completes-Acquisition-Of-Hamilton-State-Bancshares-Inc.-And-Announces-Date-Of-Second-Quarter-2018-Earnings-Release-Date-And-Conference-Call/default.aspx)
38. [ir.amerisbank.com](https://ir.amerisbank.com/news/news-details/2018/Ameris-Bancorp-Announces-CEO-Succession/default.aspx)
39. [ir.amerisbank.com](https://ir.amerisbank.com/news/news-details/2019/Ameris-Bancorp-Completes-Acquisition-Of-Fidelity-Southern-Corporation-and-Announces-Appointment-Of-New-CEO/default.aspx)
40. [newsroom.amerisbank.com](https://newsroom.amerisbank.com/Community-News/Community-News-Details/2021/Ameris-Bank-Acquires-Balboa-Capital-12-03-2021/default.aspx)

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