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Ameris Bancorp ABCB Banking Division — Provision for Credit Losses

Other segment segments

Retail Mortgage
-$3.35M-431%
Premium  Finance  Division
$417K-41.8%
Warehouse Lending
$184K-50.1%

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$400K+170%

Other financials

Income statement

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Revenue$326.0M+8.4%
Net income$51.4M-53.2%
EPS (diluted)$0.77-51.9%

Balance sheet

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Cash & equivalents$1.2B+2.3%
Total debt$50.7M-5.1%
Total equity$4.1B+4.4%
Total assets$28.5B+6.8%

Cash flow

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Operating cash flow$79.4M+29.4%
CapEx$8.6M+12.5%
Free cash flow$70.8M+31.8%

Valuation

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Market cap$5.92B+28.5%
P/E15.7×+4.0×
P/S4.7×+0.7×

Profitability

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Net margin29.8%-3.9pp
FCF margin41.4%+7.5pp

Returns & leverage

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Return on equity9.4%-1.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Ameris Bancorp in its filing.

Tagged under the XBRL concept abcb:AllowanceForCreditLossExpenseReversal.

The source filing: Ameris Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 3:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000351569-26-000143
(dollars in thousands)Three Months Ended June 30, 2026 / Banking DivisionThree Months Ended June 30, 2026 / Retail Mortgage DivisionThree Months Ended June 30, 2026 / Warehouse Lending DivisionThree Months Ended June 30, 2026 / Premium Finance DivisionTotal
Interest income$256,966$56,591$21,314$30,704$365,575
Interest expense41,66640,74712,48918,189113,091
Net interest income215,30015,8448,82512,515252,484
Provision for credit losses19,998(3,346)18441717,253
Noninterest income40,56932,1517941873,532
Noninterest expense
Salaries and employee benefits66,66821,4934682,86591,494
Occupancy and equipment11,82368574012,555

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's banking division — provision for credit losses?
Ameris Bancorp (ABCB) reported banking division — provision for credit losses of $20M in Q2 2026.
How has Ameris Bancorp's banking division — provision for credit losses changed year-over-year?
Ameris Bancorp's banking division — provision for credit losses increased by 2853.9% year-over-year, from $677K to $20M.
What is the long-term trend for Ameris Bancorp's banking division — provision for credit losses?
Over 3 years (2022 to 2025), Ameris Bancorp's banking division — provision for credit losses has grown at a 1.2% compound annual growth rate (CAGR), from $61.55M to $63.75M.
What does banking division — provision for credit losses mean?
This metric reflects the periodic expense or reversal recorded to maintain an adequate allowance for potential loan defaults and credit losses. It serves as a forward-looking indicator of the bank's credit risk assessment and the expected quality of its loan portfolio.

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