Ameris Bancorp (ABCB) CLO awarded shares and withholds stock for taxes

Rhea-AI Filing Summary

Ameris Bancorp Chief Legal Officer Jody L. Spencer reported routine equity compensation activity involving company common stock. On February 20, Spencer acquired 11,108 shares at a price of $0.0000 per share as a stock grant under the Ameris Bancorp 2021 Omnibus Equity Compensation Plan, with portions scheduled to vest on February 20, 2027, February 20, 2028, and February 20, 2029.

On February 21, Spencer had 1,098 shares withheld at $83.73 per share to cover tax obligations related to previously granted awards that vested. After these transactions, direct ownership stood at 56,261.2254 shares of Ameris Bancorp common stock.

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

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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^*

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)
02/20/2026

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	02/20/2026		A(1)		11,108	A	$0	57,359.2254	D
Common Stock	02/21/2026		F(2)		1,098	D	$83.73	56,261.2254	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 the Ameris Bancorp 2021 Omnibus Equity Compensation Plan, vesting: (i) 3,703 shares on February 20, 2027; (ii) 3,703 shares on February 20, 2028; and (iii) 3,702 shares on February 20, 2029.

2. This transaction represents the withholding of 1,098 shares of common stock to satisfy the tax withholding obligations incurred by the reporting person upon the vesting of 1,437 and 1,028 shares of common stock originally awarded on February 21, 2024 and February 20, 2025, respectively.

Remarks:

	Jody L. Spencer by Elna Klein-Kolarich as Attorney-In-Fact	02/24/2026
	** 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).
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 insider transactions did Ameris Bancorp (ABCB) report for Jody L. Spencer?

Ameris Bancorp reported that Chief Legal Officer Jody L. Spencer received a grant of 11,108 shares of common stock and had 1,098 shares withheld to cover tax obligations, leaving direct ownership at 56,261.2254 shares after the transactions.

Was the Ameris Bancorp (ABCB) insider transaction a stock purchase or sale?

The activity was not an open-market buy or sale. Spencer received 11,108 shares as a stock grant and had 1,098 shares withheld by the company to satisfy tax liabilities upon vesting of earlier equity awards.

How many Ameris Bancorp (ABCB) shares did the CLO receive in the latest equity grant?

Chief Legal Officer Jody L. Spencer received a grant of 11,108 Ameris Bancorp common shares at a stated price of $0.0000 per share, reflecting a stock award under the company’s 2021 Omnibus Equity Compensation Plan rather than a cash purchase.

Why were 1,098 Ameris Bancorp (ABCB) shares withheld from Jody L. Spencer?

The 1,098 shares were withheld to cover tax withholding obligations triggered when prior equity awards vested. Those vested shares were originally granted on February 21, 2024 and February 20, 2025, and the withholding prevented a separate cash tax payment.

What is Jody L. Spencer’s Ameris Bancorp (ABCB) shareholding after the Form 4 transactions?

Following the stock grant and tax-withholding disposition, Chief Legal Officer Jody L. Spencer directly holds 56,261.2254 shares of Ameris Bancorp common stock, as reported in the Form 4 insider filing detailing these compensation-related transactions.

How do the new Ameris Bancorp (ABCB) stock grants vest for Jody L. Spencer?

The 11,108-share grant vests in three annual installments: 3,703 shares on February 20, 2027, another 3,703 shares on February 20, 2028, and 3,702 shares on February 20, 2029, aligning with Ameris Bancorp’s long-term equity compensation structure.