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Ameris Bank
Atlanta, GA·FDIC Cert #20504·Charter: STATE·Est. 19711001.0·HC: AMERIS BCORP
Total Assets
$27.4B
Q4 2025
Return on Assets
1.64%
+0.02%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.67%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.64%+0.02
ROE
11.12%+0.11
Efficiency
46.67%-1.11
Equity/Assets
0.00%+0.00
NPL Ratio
0.54%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.01%+1.09
Charge-offs
0.17%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.4 | 1.5 | 1.5 | 1.4 | 1.6 | 1.6 | 1.6 |
| ROE | 9.1 | 9.9 | 10.5 | 10.6 | 9.8 | 10.9 | 11.0 | 11.1 |
| Efficiency | 51.4 | 50.7 | 50.3 | 49.6 | 49.2 | 48.7 | 47.8 | 46.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.9 | 0.5 | 0.6 | 0.6 | 0.5 | 0.5 | 0.5 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 |
| Loan/Deposit | 97.7 | 98.4 | 96.1 | 95.7 | 95.0 | 96.1 | 95.9 | 97.0 |
Balance Sheet
Total Assets$27.4B
Total Deposits$22.5B
Total Loans$21.8B
Total Equity$4.1B
Profitability
ROA1.64%
ROE11.12%
Efficiency Ratio46.67%
Net Income$437.6M
Risk & Asset Quality
NPL Ratio0.54%
Charge-off Rate0.17%
Loan/Deposit97.01%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans