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Ameris Bancorp ABCB Warehouse Lending — Provision for Credit Losses

Other segment segments

Banking Division
$11.85M-27.8%
Retail Mortgage
$3.07M-40.8%
Premium  Finance  Division
$1.45M+217%

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HWCAllowance for credit losses
$13.17M+25.9%
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$5.76M-12.8%
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FHNWholesale — Provision for Credit Losses
$9M+200%

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 warehouse lending — provision for credit losses?
Ameris Bancorp (ABCB) reported warehouse lending — provision for credit losses of $177K in Q1 2026.
How has Ameris Bancorp's warehouse lending — provision for credit losses changed year-over-year?
Ameris Bancorp's warehouse lending — provision for credit losses increased by 201.1% year-over-year, from -$175K to $177K.
What does warehouse lending — provision for credit losses mean?
This represents the expense or reversal recorded to maintain the allowance for credit losses at a level deemed adequate to cover estimated losses within the warehouse lending portfolio. It reflects management's assessment of credit risk and the potential for loan defaults or impairments in this specific segment. Fluctuations in this metric provide insight into the perceived credit quality and risk profile of the warehouse lending client base.