ABCB posts unaudited Q3 2025 results; investor deck available

Rhea-AI Filing Summary

Ameris Bancorp announced unaudited financial results for the quarter ended September 30, 2025, furnished via a press release attached as Exhibit 99.1. The company stated this information is being furnished and not deemed filed under the Exchange Act.

An investor presentation on third-quarter 2025 results is attached as Exhibit 99.2 and is available on the Investor Relations page of the company’s website. A teleconference discussing earnings is scheduled to begin at 9:00 a.m. Eastern time on October 28, 2025.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): October 27, 2025

Ameris Bancorp

(Exact Name of Registrant as Specified in Charter)

Georgia			001-13901			58-1456434
(State or Other Jurisdiction of Incorporation)			(Commission File Number)			(IRS Employer Identification No.)

    

3490 Piedmont Road N.E., Suite 1550
Atlanta,			Georgia			30305
(Address of Principal Executive Offices)						(Zip Code)

Registrant’s telephone number, including area code: (404) 639-6500

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, par value $1.00 per share			ABCB			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

    Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 2.02 Results of Operations and Financial Condition.

On October 27, 2025, Ameris Bancorp (the “Company”) issued a press release announcing its unaudited financial results for the quarter ended September 30, 2025. A copy of that press release is attached to this Current Report on Form 8-K (this “Report”) as Exhibit 99.1.

The information contained in this Item 2.02 and in Exhibit 99.1 attached to this Report is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of such section. Furthermore, such information shall not be deemed to be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended.

Item 7.01 Regulation FD Disclosure.

A copy of the investor presentation material that the Company will present regarding its earnings during the teleconference beginning at 9:00 a.m. Eastern time on October 28, 2025 is attached to this Report as Exhibit 99.2. The investor presentation material is also available on the “Investor Relations” page of the Company’s website (http://www.amerisbank.com).

The information contained in this Item 7.01 and in Exhibit 99.2 attached to this Report is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of such section. Furthermore, such information shall not be deemed to be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

99.1			Press Release Dated October 27, 2025
99.2			Investor Presentation re: 3rd Quarter 2025 Results
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

AMERIS BANCORP

By:			/s/ Nicole S. Stokes
			Nicole S. Stokes
			Chief Financial Officer

Date: October 27, 2025

FAQ

What did Ameris Bancorp (ABCB) announce in this 8-K?

Ameris Bancorp furnished its unaudited financial results for the quarter ended September 30, 2025 via Exhibit 99.1 and provided an investor presentation as Exhibit 99.2.

Which period do the results cover for ABCB?

The results cover the quarter ended September 30, 2025.

When is Ameris Bancorp’s earnings teleconference?

The teleconference is scheduled to begin at 9:00 a.m. Eastern time on October 28, 2025.

Where can investors access ABCB’s presentation materials?

The investor presentation (Exhibit 99.2) is available on the company’s Investor Relations webpage.

Is the information in this report filed or furnished?

The company states the information in Items 2.02 and 7.01 and Exhibits 99.1 and 99.2 is being furnished and not deemed filed.

What exhibits are included with this report for ABCB?

Exhibit 99.1 is the press release dated October 27, 2025; Exhibit 99.2 is the investor presentation on third-quarter 2025 results; Exhibit 104 is the cover page Inline XBRL file.