[Form 4] Ameris Bancorp Insider Trading Activity

Rhea-AI Filing Summary

Ameris Bancorp Chief Legal Officer Jody L. Spencer reported equity awards and related share withholding in company stock. Spencer received a stock grant of 12,424 shares of common stock on February 19, 2026 pursuant to a performance stock unit award under the Ameris Bancorp 2021 Omnibus Equity Compensation Plan.

To cover tax obligations from this grant, 5,534 shares of common stock were withheld at a price of $82.93 per share, classified as a tax-withholding disposition. Spencer also received a separate grant of 2,412 shares under the same plan, scheduled to vest in three equal installments of 804 shares on February 19 of 2027, 2028, and 2029. Following these transactions, Spencer directly owned 46,251.2254 shares, including 30.22537 shares acquired through a dividend reinvestment plan.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider Spencer Jody L

Role Chief Legal Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	12,424	$0.00	--
Tax Withholding	Common Stock	5,534	$82.93	$459K
Grant/Award	Common Stock	2,412	$0.00	--

Holdings After Transaction: Common Stock — 49,343 shares (Direct)

Footnotes (1)

1. Stock grant pursuant to performance stock unit award originally granted February 23, 2023 pursuant to the Ameris Bancorp 2021 Omnibus Equity Compensation Plan. This transaction represents the withholding of 5,534 shares of common stock to satisfy the tax withholding obligations incurred by the reporting person upon the stock grant of 12,424 shares on February 19, 2026. Stock grant pursuant to the Ameris Bancorp 2021 Omnibus Equity Compensation Plan, vesting: (i) 804 shares on February 19, 2027; (ii) 804 shares on February 19, 2028; and (iii) 804 shares on February 19, 2029 This total includes an additional 30.22537 shares acquired by the reporting person as a participant in 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^*

Spencer Jody L

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
02/19/2026

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	02/19/2026		A(1)		12,424	A	$0	49,343	D
Common Stock	02/19/2026		F(2)		5,534	D	$82.93	43,809	D
Common Stock	02/19/2026		A(3)		2,412	A	$0	46,251.2254(4)	D

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. Stock grant pursuant to performance stock unit award originally granted February 23, 2023 pursuant to the Ameris Bancorp 2021 Omnibus Equity Compensation Plan.

2. This transaction represents the withholding of 5,534 shares of common stock to satisfy the tax withholding obligations incurred by the reporting person upon the stock grant of 12,424 shares on February 19, 2026.

3. Stock grant pursuant to the Ameris Bancorp 2021 Omnibus Equity Compensation Plan, vesting: (i) 804 shares on February 19, 2027; (ii) 804 shares on February 19, 2028; and (iii) 804 shares on February 19, 2029

4. This total includes an additional 30.22537 shares acquired by the reporting person as a participant in a dividend reinvestment plan.

Remarks:

	Jody L. Spencer by Elna Klein-Kolarich as Attorney-In-Fact	02/23/2026
	** 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).
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