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Ameris Bancorp ABCB Retail Mortgage — Salaries and employee benefits

Other segment segments

Banking Division
$66.67M+7.5%
Premium  Finance  Division
$2.87M+22.9%
Warehouse Lending
$468K-24.3%

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$197M+0.5%
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TFINBanking — Salaries and employee benefits
$14.68M-8.2%
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TFINFactoring — Salaries and employee benefits
$12.45M-7.4%
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TFINIntelligence — Salaries and employee benefits
$3.45M+6.6%

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:LaborAndRelatedExpense.

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
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
Data processing and communications expenses14,0411,3025916915,571
Other expenses(1)110,93311,587184390123,094
Total noninterest expense203,46535,0677183,464242,714

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's retail mortgage — salaries and employee benefits?
Ameris Bancorp (ABCB) reported retail mortgage — salaries and employee benefits of $21.49M in Q2 2026.
How has Ameris Bancorp's retail mortgage — salaries and employee benefits changed year-over-year?
Ameris Bancorp's retail mortgage — salaries and employee benefits decreased by 11.8% year-over-year, from $24.36M to $21.49M.
What is the long-term trend for Ameris Bancorp's retail mortgage — salaries and employee benefits?
Over 4 years (2021 to 2025), Ameris Bancorp's retail mortgage — salaries and employee benefits has grown at a -14.8% compound annual growth rate (CAGR), from $167.8M to $88.36M.
What does retail mortgage — salaries and employee benefits mean?
This captures the total compensation costs, including salaries, bonuses, and benefits, for personnel dedicated to the retail mortgage segment. It is a key component of the segment's operating efficiency and human capital investment.

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