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Ameris Bancorp ABCB Provision for Credit Losses

Provision for Credit Losses at other companies

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Segments

By segment

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Banking Division$11.85M-27.8%
Retail Mortgage$3.07M-40.8%
Premium  Finance  Division$1.45M+217%
Warehouse Lending$177K+201%

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 provision for credit losses?
Ameris Bancorp (ABCB) reported provision for credit losses of $16.55M in Q1 2026.
How has Ameris Bancorp's provision for credit losses changed year-over-year?
Ameris Bancorp's provision for credit losses decreased by 24.4% year-over-year, from $21.89M to $16.55M.
What is the long-term trend for Ameris Bancorp's provision for credit losses?
Over 4 years (2021 to 2025), Ameris Bancorp's provision for credit losses has grown at a 16.5% compound annual growth rate (CAGR), from -$38.12M to $70.24M.
What does provision for credit losses mean?
This represents the non-cash expense or reversal recorded in the income statement to adjust the allowance for credit losses to an appropriate level based on management's assessment of loan portfolio risk. It reflects the bank's current expectation of future credit losses and is a critical indicator of asset quality and credit risk management. Higher expenses suggest deteriorating credit conditions, while reversals indicate improving portfolio health or conservative prior provisioning.