# AMERIS BANK
ATLANTA, GA · FDIC certificate 20504 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $28.42B | |
| Deposits | $22.69B | |
| Loans and leases | $22.66B | |
| Total equity | $4.07B | |
| Loans / deposits | 98.26% (p89 of band) | 85.78% |
| Liquid assets / assets | 13.60% (p6 of band) | |
| Uninsured deposits / deposits | 45.56% (p69 of band) | 38.39% |
| Brokered deposits | 5.43% | |
| Wholesale funding | 9.83% (p62 of band) | |
| FHLB advances / assets | 4.40% | |
| Tier 1 leverage | 11.41% (p80 of band) | 10.17% |
| Unrealized securities loss / equity | -0.84% (p90 of band) | -7.43% |
| AOCI / equity | -0.61% (p31 of band) | |
| ROA (annualized) | 1.23% (p48 of band) | 1.24% |
| Net interest margin | 3.94% (p72 of band) | 3.57% |
| Efficiency ratio | 59.99% (p72 of band) | |
| Noncurrent loans | 0.57% (p44 of band) | 0.66% |
| Net charge-offs (annualized) | 0.16% (p71 of band) | |
| Reserve coverage of noncurrent | 277.67% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 41.87% (p67 of band) | |
| Auto loans | $11.0M (0.05% of loans; DQ 1.48%, NCO 0.00%) | |
| Loans to nondepository financials | $1.53B (38% of equity) (p78 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 2650 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 2 |  | deposits shrinking, assets shrinking |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 2 |  | deposits shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | loans exceed deposits |  |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits leaving |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | loans exceed deposits, capital falling | uninsured deposits leaving |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | reserve under noncurrent, capital falling |
| 2020-06 | 2 | liquid assets <10% |  |
| 2020-09 | 1 |  | loans exceed deposits |
| 2020-12 | 0 |  | liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | loans exceed deposits |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 0 |  | loans exceed deposits |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [Ameris Bank Continues Investment in Local Health Care with $200,000 Georgia HEART Contribution - Southeast Georgia Health System](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQLXBiQTlVUVR5aHFwMmxRdC14cjNhVHBrUDh0ZWo4bndKY0F6cVM3MmlGU1c1cW9VN3E0Wk91M0VkYnYtbFRleEtXUmZ6SUd2SjVZQXJwSGFyLTk3ZncxVDlzQ0xkaVlmSVRxY2tQSktfS05LaERxWlpteUZHQWF2aUdXYmxlRThERExIMlo2S05ZV1d6cy1xaGNrRFJBVll1SWhTZ1VmYkc3NDZVY2l0d2VMWnFKLXdSaWdCbGdEaEdmdXFCOW9uYw?oc=5) · Southeast Georgia Health System
- 2026-06-17 [Ameris Bank owes former executive $80M, jury finds - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxObmlYTG4xemRkNEtFOUhsMl85SWl0TDIzdVZaZnpIYVYwYnhqV0VIUUVDZ1UzSmE4MnlLY2FqUk53cEtzaG1JczZIZENRRzlSbEtPRG1DRXNGZGNsSzE5Q2JxaDZMLWxkOWdGbGxVWWdWVnItMUdLV1dIakw1WmN6Y052T052LWFNM2pfd1VLNV9JYkJiZzFJOFd3a04?oc=5) · Banking Dive
- 2026-05-07 [Historic downtown Savannah building gets new life as Ameris Bank opens new branch - WTOC](https://news.google.com/rss/articles/CBMisAFBVV95cUxPTUg5ekRidEkyNEE3NHgyRnJsU2ZiZl92OTg1Z2tXNlJsUmJTQWkxTC05SWRhZHhZaWVUdHdBNnBRUTViLUxua0lXSWgzUDNkZ2lrbmxsSVJnYTF0NXJaSlJYNjY3THVzMklyOS1ReUc5dFFDU0pjeUJhbmcyR0h3ZS01c3J0UVRrRDhLZGFyclZuTGlLZEhSR3ZMeE81elVqaUpxS3BvT0xWQVh6d1BYNw?oc=5) · WTOC
- 2026-07-28 [Ameris Bank hires Atlanta market leader from First Citizens to build on growth - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxONm5mS2RDMWluMmpKZEw4QXJkZUtaSUdIaVVPTjV1Z3Q2S3l3V2JhX29ZZGk3SzJQelZTcFdqWGpGSTZpLV95RFFxYVQ3eW5LOEpTeFM0X2JRMDVvZXNJNjVCUlJzNWhpQ0JqRmRQdl9kbjFLcExNVTRIZVV1dDdKYURDZUFtdmVvcG1HY2FsUDdMcV9MSVZ2UWV3?oc=5) · The Business Journals
- 2026-04-23 [Ameris Bank Welcomes Jacob Bell as Market President in Valdosta - Valdosta Today](https://news.google.com/rss/articles/CBMisAFBVV95cUxNb204Z1piVHNuVkxqcF8wRllvdjNzdkY0aDktM0RtMElhR29pczRfNm10aHFVT1lzZ21VcDFSQmlEU0luWjZrRl8ySkJYV3NlcGNQUE9wM3pZc1Z1MjhoaTkxcDB5eWZPSFIteG5ZeDZWNzBLbXNYMXNWZjZQVTZQbi1UYW9DWVBSMGhESFM4S1gyVXZGNUZIYW1vU2NOZS1ZVkZIclpib3dUdnEzektmTg?oc=5) · Valdosta Today
- 2026-05-07 [Gallery: Ameris Bank Savannah Ribbon Cutting - WSAV-TV](https://news.google.com/rss/articles/CBMihwFBVV95cUxNTmxjSDhUUFZ3eGV5bHI0b3pVSW8waDVLS3ZjV3VCYXFoaUlwd1A1WE81QW5MWkRoVDZ1TlVUZlIyNmozTE12Q0xoNUZIbFhuMjVRNkQ2cUVYeUNNOTRLZDRaV1l2bm1SV1hyR1VWa0cwNmFGMkEzc0QzVnV3eXIxbi11ZUwzQnfSAYwBQVVfeXFMUEhQc1psU0lTdHA3YXpNV2haU3hOQXBjby1OQUZnN3dERUFJdUxWSmpRTnhEb0U5NmZVQlROWGVYaWg1QXJoWEdrU2JMdy1SQ1BwWVFtZTBTcTlXeldqVlVQR1hFNS1meGJUbkk3N0RPa2tRdmlhM3NHeGVIbldPSXpQRm52c3lKRDE0THQ?oc=5) · WSAV-TV
- 2026-08-06 [Federal Court Enters $79.5 Million Judgment Against Ameris Bank in Whistleblower Retaliation Case - davisvanguard.org](https://news.google.com/rss/articles/CBMiggFBVV95cUxONDU2VEx5NWhRSENnUFdQUE1EWElTY3dIamxtN2YzS296enRIclFFXzM2Y0dZX0JxcnFZTnVIUjRxMWVwVHBYblpIeFVtdmJvTHVXQVphVy1qRGxDQnI3b1o5WGJGeVY1SHRuUk1qUEptU3RPa1Q3bUJ1ZEI4QzBGQmR3?oc=5) · davisvanguard.org
- 2026-07-27 [Ameris Bank Welcomes Carl Insel to Lead Atlanta Market - Business Wire](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMWlUOHZsMk9INm9vaHNGcVVVVkV3ZE9CV1hkZkhBTnBYSTFIbENfbE5LZ195OW85WWNtT3ZjckhZa3BnNGFPemYyTmsxTnZQTEF2aTVsUE1US2toWGIxU0xoelRLRW5EMWxESUFOUkxVTzdIVjZRUk5UOGhCWF9VWU1FaTNrTnZ5T3J1MVl6NFdjTXJlNkpoTGNYVk1WWElSWFNXZWRZbEJlOV94T3oxdQ?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20504 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "20504", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide