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Ameris Bancorp ABCB Net Interest Income

Net Interest Income at other companies

Truist Financial logo
Truist FinancialTFC
$3.62B+0.9%
Colony Bankcorp logo
Colony BankcorpCBAN
$29.87M+33.4%
Regions Financial logo
Regions FinancialRF
$1.28B+1.4%
Amerant Bancorp logo
Amerant BancorpAMTB
$80.28M-6.5%
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
$325.12M+1.2%
International Bancshares logo
International BancsharesIBOC
$171.11M+2.2%

Segments

By segment

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Banking Division$215.3M+12.4%
Retail Mortgage$15.84M-28.1%
Premium  Finance  Division$12.52M+11.8%
Warehouse Lending$8.83M+24.5%

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 / equity0×0.0×

Where this comes from

Reported directly by Ameris Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

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
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Interest on deposits98,995106,796195,222212,011
Interest on other borrowings14,0969,02925,20415,753
Total interest expense113,091115,825220,426227,764
Net interest income252,484231,813496,920453,652
Provision for loan losses15,8943,11033,78919,629
Provision for unfunded commitments1,360(335)225,038
Provision for other credit losses(1)(3)(7)(3)
Provision for credit losses17,2532,77233,80424,664

Item 1. Financial Statements.

FAQ

What is Ameris Bancorp's net interest income?
Ameris Bancorp (ABCB) reported net interest income of $252.48M in Q2 2026.
How has Ameris Bancorp's net interest income changed year-over-year?
Ameris Bancorp's net interest income increased by 8.9% year-over-year, from $231.81M to $252.48M.
What is the long-term trend for Ameris Bancorp's net interest income?
Over 4 years (2021 to 2025), Ameris Bancorp's net interest income has grown at a 9.3% compound annual growth rate (CAGR), from $655.33M to $936.92M.
What does net interest income mean?
The difference between the interest earned on interest-earning assets, such as loans and securities, and the interest paid on interest-bearing liabilities. This serves as the primary driver of a bank's core profitability and reflects the effectiveness of asset-liability management. It is the banking equivalent of gross profit.

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