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Ameris Bancorp ABCB Retail Mortgage — Interest Expense

Other segment segments

Banking Division
$41.67M-12.7%
Premium  Finance  Division
$18.19M+2.7%
Warehouse Lending
$12.49M+12.7%

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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 us-gaap:InterestExpenseOperating.

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 retail mortgage — interest expense?
Ameris Bancorp (ABCB) reported retail mortgage — interest expense of $40.75M in Q2 2026.
How has Ameris Bancorp's retail mortgage — interest expense changed year-over-year?
Ameris Bancorp's retail mortgage — interest expense increased by 3.6% year-over-year, from $39.33M to $40.75M.
What is the long-term trend for Ameris Bancorp's retail mortgage — interest expense?
Over 4 years (2021 to 2025), Ameris Bancorp's retail mortgage — interest expense has grown at a 34.6% compound annual growth rate (CAGR), from $47.42M to $155.45M.
What does retail mortgage — interest expense mean?
This captures the total interest costs incurred to fund the retail mortgage loan portfolio, primarily through deposits or wholesale borrowings. Monitoring this helps assess the cost of funds relative to the interest-earning assets within the mortgage segment.

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