Welcome to our dedicated page for Ameris Bancorp SEC filings (Ticker: ABCB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to Ameris Bancorp (NYSE: ABCB) filings with the U.S. Securities and Exchange Commission, along with AI‑generated summaries that help explain the key points in each document. Ameris Bancorp, the parent of Ameris Bank, uses these filings to report material information about its commercial banking operations, financial condition and corporate actions.
Investors can review current reports on Form 8‑K, which Ameris Bancorp files to furnish quarterly earnings press releases and investor presentations, and to disclose events such as the authorization of share repurchase programs. These filings typically include details on net income, net interest income, net interest margin, loan and deposit balances, efficiency ratio, tangible book value measures, credit quality indicators and capital actions.
Through this filings page, users can also locate annual reports on Form 10‑K and quarterly reports on Form 10‑Q when available, which provide more comprehensive discussions of Ameris Bancorp’s business segments, including its Banking Division, Retail Mortgage Division, Warehouse Lending Division and Premium Finance Division. These reports describe the company’s traditional banking and lending products, treasury and cash management services, insurance premium financing, and mortgage and refinancing activities.
The platform highlights insider transaction reports on Form 4 and other ownership filings, allowing users to track changes in holdings by Ameris Bancorp directors and officers. AI‑powered tools summarize long‑form filings, point out significant changes from prior periods and clarify technical disclosures related to capital, funding, credit quality and regulatory matters, helping readers interpret complex SEC documents more efficiently.
Ameris Bancorp announced that its board authorized the company to repurchase up to $200 million of its outstanding common stock. The authorization permits purchases through October 31, 2026 and allows transactions in the open market or via negotiated deals, in accordance with applicable securities laws.
The amount and timing of any repurchases will depend on factors such as share acquisition price, regulatory limitations, and broader market and economic conditions. The program does not require the company to repurchase any specific number of shares. A press release announcing the authorization was furnished as Exhibit 99.1.
William H. Stern, a director of Ameris Bancorp (ABCB), purchased shares under the company's employee stock purchase plan on 09/15/2025. The filing reports a purchase of 320.3196 shares at a price of $74.1447 per share. After the transaction, Mr. Stern beneficially owns 46,898.3579 shares in total. The filing notes an additional 434.433892 shares included from the employee stock purchase plan and a dividend reinvestment plan. Reported indirect holdings include 337 shares held by a spouse, 234 by a family foundation, 2,337 by children, and 2,777 by a family trust. The form is signed on behalf of Mr. Stern by an attorney-in-fact on 09/16/2025.
Ameris Bancorp reported a stronger quarter ended June 30, 2025, driven by higher core lending margins and much lower credit provisions. Net income rose to $109.8 million from $90.8 million a year earlier, and diluted EPS increased to $1.60 from $1.32, reflecting a roughly 21% year-over-year earnings gain. Net interest income improved to $231.8 million as interest expense declined, while provision for credit losses fell sharply to $2.8 million from $18.8 million, supporting higher net interest income after provisions.
The balance sheet shows modest growth: loans, net were $21.04 billion and deposits totaled $21.93 billion. Debt securities available-for-sale were $1.87 billion with $20.8 million of unrealized losses attributed to non-credit factors and an allowance for credit losses of $0.07 million. Cash and cash equivalents were $1.17 billion. Noninterest income declined, led by lower mortgage banking activity, and total noninterest expense remained roughly flat at $155.3 million for the quarter.