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Ameris Bancorp ABCB Warehouse Lending — Salaries and employee benefits

Other segment segments

Banking Division
$66.67M+7.5%
Retail Mortgage
$21.49M-11.8%
Premium  Finance  Division
$2.87M+22.9%

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FNBInsurance — Salaries and employee benefits
$4M0.0%
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WASHBanking — Salaries and employee benefits
$19.75M+13.3%

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 warehouse lending — salaries and employee benefits?
Ameris Bancorp (ABCB) reported warehouse lending — salaries and employee benefits of $468K in Q2 2026.
How has Ameris Bancorp's warehouse lending — salaries and employee benefits changed year-over-year?
Ameris Bancorp's warehouse lending — salaries and employee benefits decreased by 24.3% year-over-year, from $618K to $468K.
What is the long-term trend for Ameris Bancorp's warehouse lending — salaries and employee benefits?
Over 4 years (2021 to 2025), Ameris Bancorp's warehouse lending — salaries and employee benefits has grown at a 19.3% compound annual growth rate (CAGR), from $1.13M to $2.29M.
What does warehouse lending — salaries and employee benefits mean?
This represents the total compensation costs, including salaries, bonuses, and benefits, for personnel dedicated to the warehouse lending segment. It serves as a measure of the human capital investment required to operate and grow this specific business line. Tracking this helps evaluate the operational efficiency and labor intensity of the segment.

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