[Form 4] Ameris Bancorp Insider Trading Activity

Rhea-AI Filing Summary

Ameris Bancorp CFO Nicole S. Stokes reported equity award activity and related tax withholding in company stock. She received a stock grant of 14,910 shares tied to a performance stock unit award granted on February 23, 2023 under the Ameris Bancorp 2021 Omnibus Equity Compensation Plan. On the same date, 6,641 shares were withheld to cover tax obligations arising from that grant, meaning this disposition was for tax payment rather than an open-market sale. She also received a separate grant of 2,895 shares under the same plan, scheduled to vest in three equal installments of 965 shares on February 19, 2027, 2028, and 2029. Following these transactions, her directly held common stock includes an additional 11.52914 shares acquired through a dividend reinvestment plan.

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
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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^*

Stokes Nicole S

(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)
	CFO

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)		14,910	A	$0	63,793	D
Common Stock	02/19/2026		F(2)		6,641	D	$82.93	57,152	D
Common Stock	02/19/2026		A(3)		2,895	A	$0	60,058.5291(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 6,641 shares of common stock to satisfy the tax withholding obligations incurred by the reporting person upon the stock grant of 14,910 shares on February 19, 2026.

3. Stock grant pursuant to the Ameris Bancorp 2021 Omnibus Equity Compensation Plan, vesting: (i) 965 shares on February 19, 2027; (ii) 965 shares on February 19, 2028; and (iii) 965 shares on February 19, 2029

4. This total includes an additional 11.52914 shares acquired by the reporting person as a participant in a dividend reinvestment plan.

Remarks:

	Nicole Stokes 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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