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Ameris Bancorp ABCB Retail Mortgage — Noninterest Expense

Other segment segments

Banking Division
$203.47M+81.9%
Premium  Finance  Division
$3.46M-3.1%
Warehouse Lending
$718K-7.9%

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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$5.97B+29.6%
P/E15.9×+4.1×
P/S4.7×+0.8×

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:NoninterestExpense.

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
Occupancy and equipment11,82368574012,555
Data processing and communications expenses14,0411,3025916915,571
Other expenses(1)110,93311,587184390123,094
Total noninterest expense203,46535,0677183,464242,714
Income before income tax expense32,40616,2748,7178,65266,049
Income tax expense7,5383,4171,8311,81714,603
Net income$24,868$12,857$6,886$6,835$51,446
Total assets$20,587,632$4,508,490$1,367,630$2,025,091$28,488,843

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's retail mortgage — noninterest expense?
Ameris Bancorp (ABCB) reported retail mortgage — noninterest expense of $35.07M in Q2 2026.
How has Ameris Bancorp's retail mortgage — noninterest expense changed year-over-year?
Ameris Bancorp's retail mortgage — noninterest expense decreased by 10.2% year-over-year, from $39.06M to $35.07M.
What is the long-term trend for Ameris Bancorp's retail mortgage — noninterest expense?
Over 4 years (2021 to 2025), Ameris Bancorp's retail mortgage — noninterest expense has grown at a -9.6% compound annual growth rate (CAGR), from $217.85M to $145.23M.
What does retail mortgage — noninterest expense mean?
This is the aggregate of all operating expenses, including personnel, occupancy, technology, and other administrative costs, required to support the retail mortgage segment. It is a critical metric for evaluating the overall cost structure and operational efficiency of the business unit.

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