Ameris Bancorp reports Q4 and full-year 2025 results

Ameris Bancorp furnished an update on its recent performance by announcing that it has issued a press release with unaudited financial results for the quarter and fiscal year ended December 31, 2025.

Rhea-AI Filing Summary

Ameris Bancorp furnished an update on its recent performance by announcing that it has issued a press release with unaudited financial results for the quarter and fiscal year ended December 31, 2025. The press release is included as Exhibit 99.1.

The company also prepared an investor presentation for its earnings teleconference scheduled to begin at 9:00 a.m. Eastern time on January 30, 2026, which is attached as Exhibit 99.2 and available on its Investor Relations website.

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, or exhibit attachments filed with this report.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

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

Ameris Bancorp disclosed that it issued a press release with unaudited financial results for the quarter and fiscal year ended December 31, 2025, and furnished this as Exhibit 99.1, along with an investor presentation as Exhibit 99.2.

Which period do Ameris Bancorp’s latest unaudited results cover?

The unaudited results cover Ameris Bancorp’s quarter and full fiscal year ended December 31, 2025. These results are described in the press release attached as Exhibit 99.1 to the filing, which investors can review for detailed financial information and performance commentary.

Where can investors find Ameris Bancorp’s Q4 and 2025 earnings materials?

Investors can find Ameris Bancorp’s earnings press release in Exhibit 99.1 and the related investor presentation in Exhibit 99.2 to the filing. The presentation is also available on the company’s Investor Relations page at http://www.amerisbank.com for convenient access.

Is Ameris Bancorp’s earnings information in this 8-K considered filed or furnished?

The earnings information in Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, is being furnished, not filed, for purposes of Section 18 of the Exchange Act. It is also not incorporated by reference into Securities Act registration statements.

When is Ameris Bancorp’s earnings teleconference for these results?

Ameris Bancorp scheduled an earnings teleconference to discuss its results for 9:00 a.m. Eastern time on January 30, 2026. The company’s investor presentation for this call is attached as Exhibit 99.2 and made available on its Investor Relations website.

Who signed Ameris Bancorp’s 8-K furnishing its 2025 results?

The 8-K was signed on behalf of Ameris Bancorp by Nicole S. Stokes, the company’s Chief Financial Officer. Her signature indicates that she is the authorized officer executing the report under the Securities Exchange Act of 1934 requirements.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 01/29/2026 - 04:16 PM Learn about SEC filing dates

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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): January 29, 2026

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 January 29, 2026, Ameris Bancorp (the “Company”) issued a press release announcing its unaudited financial results for the quarter and fiscal year ended December 31, 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 January 30, 2026 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 January 29, 2026
99.2			Investor Presentation re: 4th 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: January 29, 2026