Form 4: ABCB CEO gifts 5,013 shares; 341,552.3989 direct held

Rhea-AI Filing Summary

Ameris Bancorp (ABCB) CEO and director H. Palmer Proctor, Jr. reported a charitable gift of 5,013 shares of common stock on 11/07/2025 (Transaction Code G) at a reported price of $0.

Following the transaction, he beneficially owned 341,552.3989 shares directly, plus 23,259.7538 shares held indirectly in a 401(k), 22,747.805 held by children, and 17,977.9594 held by spouse. Totals reflect additional shares acquired through an employee stock purchase plan and dividend reinvestment, as noted in the footnotes.

Insider Trade Summary

5,013 shares gifted

Mixed 4 txns

Insider PROCTOR H PALMER JR

Role CEO

Type	Security	Shares	Price	Value
Gift	Common Stock	5,013	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 341,552.399 shares (Direct); Common Stock — 23,259.754 shares (Indirect, 401(k))

Footnotes (1)

1. The reported transaction involved a transfer of securities as a charitable donation for which no payment of consideration was received by the reporting person. This total includes an additional 667.126434 shares acquired by the reporting person as a participant in an employee stock purchase plan and dividend reinvestment plan. This total includes an additional 221.78606683 shares acquired in the reporting person's 401(k) account. This total includes an additional 261.19581 shares acquired through a dividend reinvestment plan.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

PROCTOR H PALMER JR

(Last) (First) (Middle)

3490 PIEDMONT RD NE

STE 1550

(Street)

ATLANTA GA 30305

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Ameris Bancorp [ ABCB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	CEO

3. Date of Earliest Transaction (Month/Day/Year)
11/07/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/07/2025		G(1)		5,013	D	$0	341,552.3989(2)	D
Common Stock								23,259.7538(3)	I	401(k)
Common Stock								22,747.805(4)	I	By Children
Common Stock								17,977.9594	I	Spouse

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The reported transaction involved a transfer of securities as a charitable donation for which no payment of consideration was received by the reporting person.

2. This total includes an additional 667.126434 shares acquired by the reporting person as a participant in an employee stock purchase plan and dividend reinvestment plan.

3. This total includes an additional 221.78606683 shares acquired in the reporting person's 401(k) account.

4. This total includes an additional 261.19581 shares acquired through a dividend reinvestment plan.

Remarks:

	H. Palmer Proctor, Jr. by Elna Klein-Kolarich as Attorney-In-Fact	11/12/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did ABCB's CEO report on Form 4?

He reported a charitable gift (Code G) of 5,013 Ameris Bancorp common shares on 11/07/2025 at a reported price of $0.

How many ABCB shares does the CEO hold directly after the transaction?

Direct beneficial ownership is 341,552.3989 shares after the reported transaction.

What indirect ABCB holdings are disclosed?

Indirect holdings include 23,259.7538 shares in a 401(k), 22,747.805 held by children, and 17,977.9594 held by spouse.

What does Transaction Code G mean in this context?

Per the footnote, the transaction was a charitable donation for which no consideration was received.

Were additional shares acquired through company plans noted?

Yes. Footnotes state totals include shares acquired via an employee stock purchase plan and dividend reinvestment plan, and additional shares in the 401(k).

What is the reported price for the gifted shares?

The reported price for the 5,013 gifted shares is $0.