Ameris Bank
Atlanta, Georgia, Fulton County
$28.4B in total assets, the 79th largest of 4,309 US banks and 1st of 125 headquartered in Georgia.
- FDIC certificate
- 20504
- Established
- 1971
- Owned by
- Ameris Bcorp
- Primary regulator
- FDIC
- Website
- http://www.amerisbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $28.4B | 65% | $22.4B | |
| Loans | $22.7B | 72% | $14.4B | |
| Deposits | $22.7B | 65% | $18.0B | |
| Return on assets | 1.45% | 70% | 1.29% | |
| Net interest margin | 3.94% | 71% | 3.61% | |
| Efficiency ratio | 60.0% | 71% | 55.1% | |
| Equity to assets | 14.31% | 86% | 11.57% | |
| Loans to deposits | 100% | 87% | 87% |
Growth
Total assets grew 5.5% a year over the last 5 years and 16.4% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2019 | Fidelity Bank Atlanta, GA | $4.8B |
| Jun 2018 | Hamilton State Bank Hoschton, GA | $1.8B |
| May 2018 | Atlantic Coast Bank Jacksonville, FL | $930M |
| Mar 2016 | The Jacksonville Bank Jacksonville, FL | $508M |
| May 2015 | Merchants & Southern Bank Gainesville, FL | $440M |
| Jul 2014 | The Coastal Bank Savannah, GA | $436M |
| Dec 2013 | Prosperity Bank Saint Augustine, FL | $748M |
| Jul 2012 | Montgomery Bank & Trust Ailey, GA | $153M |
| Feb 2012 | Central Bank of Georgia Ellaville, GA | $279M |
| Jul 2011 | High Trust Bank Stockbridge, GA | $180M |
| Jul 2011 | One Georgia Bank Atlanta, GA | $178M |
| Nov 2010 | Darby Bank & Trust Co. Vidalia, GA | $655M |
| Nov 2010 | Tifton Banking Company Tifton, GA | $144M |
| Oct 2010 | First Bank of Jacksonville Jacksonville, FL | $74M |
| May 2010 | Satilla Community Bank Saint Marys, GA | $136M |
| Nov 2009 | United Security Bank Sparta, GA | $154M |
| Oct 2009 | American United Bank Lawrenceville, GA | $110M |
| Dec 2006 | Islands Community Bank, N. A. Beaufort, SC | $77M |
| Dec 2006 | Bank of Thomas County Thomasville, GA, an affiliate under the same holding company | $46M |
| Nov 2006 | Tri-County Bank Trenton, FL, an affiliate under the same holding company | $101M |
| Oct 2006 | Cairo Banking Company Meigs, GA, an affiliate under the same holding company | $85M |
| Aug 2006 | Citizens Bank Wakulla Crawfordville, FL, an affiliate under the same holding company | $83M |
| Mar 2006 | The First Bank of Brunswick Brunswick, GA, an affiliate under the same holding company | $334M |
| Mar 2006 | First National Bank Orange Park, FL, an affiliate under the same holding company | $118M |
| Feb 2006 | Southland Bank b/b/a Ameris Dothan, AL, an affiliate under the same holding company | $285M |
| Feb 2006 | Merchants and Farmers Bank Donalsonville, GA, an affiliate under the same holding company | $97M |
| Feb 2006 | Citizens Security Bank Tifton, GA, an affiliate under the same holding company | $184M |
| Feb 2006 | Central Bank & Trust Cordele, GA, an affiliate under the same holding company | $64M |
| Feb 2006 | First National Bank of South Georgia Albany, GA, an affiliate under the same holding company | $103M |
| Feb 2006 | Heritage Community Bank Quitman, GA, an affiliate under the same holding company | $113M |
| Jan 1979 | Toney Brothers Bank Doerun, GA | n/a |
Where they operate
166 branches in 74 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Fulton County, GA | $4.0B | 3.0% | 6 of 46 |
| Duval County, FL | $1.4B | 1.3% | 5 of 28 |
| Dekalb County, GA | $1.1B | 6.6% | 6 of 24 |
| Cobb County, GA | $1.0B | 3.4% | 6 of 25 |
| Manatee County, FL | $772M | 7.2% | 6 of 26 |
| St. Johns County, FL | $692M | 9.2% | 4 of 18 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 64 branches since 2016 (102 to 166, +62.7%). 10 opened, 101 acquired, 47 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 102 | |||
| 2016 | Acquired The Jacksonville BankOpened Jacksonville, closed 12 in 4 states | 9 | 12 | −3 | 99 |
| 2018 | Acquired Atlantic Coast Bank and Hamilton State BankClosed 4 in 2 states | 33 | 4 | +29 | 128 |
| 2019 | Acquired Fidelity BankOpened Moultrie, closed 13 in 3 states | 61 | 13 | +48 | 176 |
| 2020 | Opened Augusta and OrlandoClosed 9 in 2 states | 2 | 9 | −7 | 169 |
| 2021 | Opened 4 in 3 statesClosed 5 in 3 states | 4 | 5 | −1 | 168 |
| 2022 | Opened AugustaClosed Augusta and Tallahassee | 1 | 2 | −1 | 167 |
| 2025 | Opened JacksonvilleClosed Atlanta and Jacksonville | 1 | 2 | −1 | 166 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 31% | 25% | |
| 1-4 family residential | 21% | 21% | |
| Business (C&I) | 18% | 17% | |
| Multifamily | 9% | 8% | |
| Construction and land | 8% | 6% | |
| Consumer | 1% | 10% | |
| Farmland | 1% | 1% | |
| Other | 12% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 62% | |
| Noninterest-bearing | 30% | 20% | |
| Time deposits | 17% | 18% |
Brokered deposits are 6.8% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.47% | 0.63% |
| Net charge-offs, annualized | 0.20% | 0.14% |
| Reserves to loans | 1.59% | 1.14% |
| Leverage ratio | 11.41% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Fulton County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ameris