Ameris Bank (FDIC #20504): Bank Stress & Real-Estate Credit Exposure
Ameris Bank (FDIC Cert #20504): bank stress 51/100, moderate, STABLE over 7 days; parent AMERIS BCORP.
Ameris Bank (#20504) lends in 74 counties across 5 states; Ameris Bank (#20504) reaches 885 ZIP codes: Georgia 43 counties, 388 ZIPs; Florida 21 counties, 315 ZIPs; South Carolina 6 counties, 119 ZIPs; Alabama 3 counties, 26 ZIPs; North Carolina 1 county, 37 ZIPs.
Ameris Bank (#20504) largest markets: Orange County, FL (98 branches, 49 ZIPs) (#20504), Fulton County, GA (576 branches, 48 ZIPs) (#20504), Duval County, FL (342 branches, 38 ZIPs) (#20504), Mecklenburg County, NC (37 branches, 37 ZIPs) (#20504), Dekalb County, GA (180 branches, 36 ZIPs) (#20504), Marion County, FL (68 branches, 34 ZIPs) (#20504).
Ameris Bank (#20504) reports $28.42 billion in total assets; Ameris Bank (#20504) equity $4.07 billion (14.3% of Ameris Bank (#20504) assets); Ameris Bank (#20504) domestic deposits $22.69 billion; Ameris Bank (#20504) net income $171.9 million; Ameris Bank (#20504) return on assets 1.23%; Ameris Bank (#20504) return on equity 8.46%; Ameris Bank (#20504) net interest income $502.5 million; Ameris Bank (#20504) call report June 30, 2026.
Ameris Bank (#20504) noncurrent real-estate loans 0.02% of its book; Ameris Bank (#20504) residential 0.04%; Ameris Bank (#20504) net charge-offs on real estate 0.68%; Ameris Bank (#20504) residential charge-offs 0.16%.
Ameris Bank (#20504) net interest margin 3.94% against an eight-quarter Ameris Bank (#20504) average of 3.83% (Ameris Bank (#20504) compression -0.11 points); Ameris Bank (#20504) real-estate loans 2.0% of equity; Ameris Bank (#20504) non-residential real estate 16.0% of equity; Ameris Bank (#20504) rate-exposure score 40/100, Ameris Bank (#20504) fixed-rate trap 40/100; Ameris Bank (#20504) risk type credit driven; Ameris Bank (#20504) rate regime rates elevated, Ameris Bank (#20504) snapshot October 19, 2026.
Ameris Bank (#20504) stress score moved from 40.6 on June 22, 2026 to 50.8 on October 19, 2026; Ameris Bank (#20504) ranged 40.6 to 50.8 over 116 snapshots.
Ameris Bank (#20504) alerts: 40 counties; top Ameris Bank (#20504) alert scores: Quitman County, GA 52 (elevated); Columbia County, GA 35 (low); Macon County, GA 34 (low); Douglas County, GA 27 (low); Colquitt County, GA 25 (low).