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Ameris Bancorp ABCB Retail Mortgage — Provision for Credit Losses

Other segment segments

Banking Division
$11.85M-27.8%
Premium  Finance  Division
$1.45M+217%
Warehouse Lending
$177K+201%

Similar metrics at other companies

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PNCRetail Banking — Provision for Credit Losses
$124M-26.2%
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MTBRetail Bank — Provision for Credit Losses
$82M+3.8%
Commerce Bancshares logo
CBSHRetail banking segment — Provision for Credit Losses
$9.27M-9.6%
NexPoint Real Estate Finance logo
NREFProvision for Credit Losses
-$2.98M-182%
Apollo Commercial Real Estate Finance logo
ARIProvision for Credit Losses
-$3.29M-182%
Seven Hills Realty Trust logo
SEVNProvision for Credit Losses
$603K+494%

Other financials

Income statement

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Revenue$314.4M+10.0%
Net income$110.5M+25.7%
EPS (diluted)$1.63+28.3%

Balance sheet

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Cash & equivalents$1.3B+2.9%
Total debt$50.7M-5.1%
Total equity$4.1B+6.8%
Total assets$28.1B+6.0%

Cash flow

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Operating cash flow$257.1M+120%
CapEx$7.7M+188%
Free cash flow$249.4M+118%

Valuation

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Market cap$5.89B+33.1%
P/E13.6×+1.7×
P/S4.8×+1.0×

Profitability

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Net margin35.2%+3.1pp
FCF margin40.8%+20.2pp

Returns & leverage

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Return on equity11%+0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Ameris Bancorp in its filing.

Tagged under the XBRL concept abcb:AllowanceForCreditLossExpenseReversal.

The official record: Ameris Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ameris Bancorp's retail mortgage — provision for credit losses?
Ameris Bancorp (ABCB) reported retail mortgage — provision for credit losses of $3.07M in Q1 2026.
How has Ameris Bancorp's retail mortgage — provision for credit losses changed year-over-year?
Ameris Bancorp's retail mortgage — provision for credit losses decreased by 40.8% year-over-year, from $5.19M to $3.07M.
What is the long-term trend for Ameris Bancorp's retail mortgage — provision for credit losses?
Over 2 years (2021 to 2024), Ameris Bancorp's retail mortgage — provision for credit losses has grown at a -2.5% compound annual growth rate (CAGR), from $2.95M to -$2.8M.
What does retail mortgage — provision for credit losses mean?
This represents the periodic expense or reversal recorded to maintain the allowance for credit losses at a level adequate to cover estimated loan defaults within the retail mortgage portfolio. It reflects management's assessment of credit risk and the economic environment impacting borrowers.