Ameris Bancorp ABCB Q3 2026 earnings

“Ameris delivered another strong quarter, reflecting our consistent focus on profitable growth, expense discipline and prudent balance sheet management. We achieved a net interest margin of 3.87%, with mid-single-digit growth in average earning assets and deposits. Return on average assets exceeded 1.60%, and our efficiency ratio improved to below 50%. Our capital position, core funding base and credit reserves remain strong, providing a solid foundation as macroeconomic conditions evolve. We remain measured in our approach to growth, maintaining disciplined underwriting and carefully allocating capital. We are confident in the strength of our Southeast franchise and remain focused on deepening customer relationships and driving disciplined organic growth. As always, our strategic decisions will be guided by the best long-term interests of the Company and our shareholders.”