North Reef reports 4.06% Ameris Bancorp stake

North Reef Capital Management LP, North Reef Capital Management GP LLC, and James Hanna, III report their beneficial ownership of Ameris Bancorp common stock in an amended Schedule 13G filing.

Rhea-AI Filing Summary

North Reef Capital Management LP, North Reef Capital Management GP LLC, and James Hanna, III report their beneficial ownership of Ameris Bancorp common stock in an amended Schedule 13G filing. They collectively report 2,732,243 shares of common stock, representing 4.06% of the class. All of these shares are reported with shared voting and dispositive power, with no sole voting or dispositive power over any shares. The filers indicate that their holdings represent ownership of 5 percent or less of Ameris Bancorp’s outstanding common stock. The parties have entered into a Joint Filing Agreement covering this ownership report.

Key Figures

Beneficial ownership: 2,732,243 shares Percent of class owned: 4.06% Shared voting power: 2,732,243 shares +3 more

6 metrics

Beneficial ownership 2,732,243 shares Ameris Bancorp common stock beneficially owned by the reporting group

Percent of class owned 4.06% Portion of Ameris Bancorp common stock class reported as beneficially owned

Shared voting power 2,732,243 shares Shares over which the filers have shared power to vote or direct the vote

Sole voting power 0 shares Shares over which the filers have sole power to vote or direct the vote

Shared dispositive power 2,732,243 shares Shares over which the filers have shared power to dispose or direct disposition

Sole dispositive power 0 shares Shares over which the filers have sole power to dispose or direct disposition

Key Terms

beneficially owned, shared voting power, shared dispositive power, Schedule 13G, +1 more

5 terms

beneficially owned financial

"Item 4. | Ownership (a) | Amount beneficially owned: 2,732,243"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

shared voting power financial

"Shared Voting Power 2,732,243.00 7 | Sole Dispositive Power 0.00"

Shared voting power occurs when two or more parties jointly have the right to vote or decide how a block of company shares is cast, like co-owners who must agree before moving a piece of furniture. Investors care because who controls voting rights affects board elections, major corporate decisions and takeover outcomes, and shared control can alter regulatory disclosures and the practical influence any holder has over a company’s direction and value.

shared dispositive power financial

"8 | Shared Dispositive Power 2,732,243.00 9 2,732,243.00"

Schedule 13G regulatory

"Ameris Bancorp Common Stock ... Schedule 13G/A"

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

Joint Filing Agreement regulatory

"EXHIBIT 99.1 - JOINT FILING AGREEMENT"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What stake in Ameris Bancorp (ABCB) does North Reef Capital report in this Schedule 13G/A?

North Reef Capital and related filers report beneficial ownership of 2,732,243 shares of Ameris Bancorp common stock, representing 4.06% of the outstanding class, all held with shared voting and dispositive power.

Who are the reporting persons in the Ameris Bancorp (ABCB) Schedule 13G/A amendment?

The reporting persons are North Reef Capital Management LP, North Reef Capital Management GP LLC, and James Hanna, III. They file jointly under a Joint Filing Agreement covering their Ameris Bancorp common stock holdings.

How much voting power do the North Reef filers report over Ameris Bancorp (ABCB) shares?

The filers report 0 shares with sole voting power and 2,732,243 shares with shared voting power. They also report no sole dispositive power and shared dispositive power over the same 2,732,243 shares.

Does the North Reef group own more than 5% of Ameris Bancorp (ABCB) stock?

No. The Schedule 13G/A states beneficial ownership of 4.06% of Ameris Bancorp’s common stock. The filing is marked as Ownership of 5 percent or less of the class under the relevant item.

What class of Ameris Bancorp (ABCB) securities is covered in this Schedule 13G/A?

The filing covers Ameris Bancorp Common Stock, par value $1 per share, identified by CUSIP 03076K108. The reported 2,732,243 shares and 4.06% ownership relate specifically to this class.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/14/2026 - 04:02 PM Accepted by SEC EDGAR 08/14/2026 - 04:00 PM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

Ameris Bancorp

(Name of Issuer)

Common Stock, par value, $1 per share

(Title of Class of Securities)

03076K108

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 03076K108

1

Names of Reporting Persons

North Reef Capital Management LP

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 2,732,243.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,732,243.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,732,243.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.06 %

12

Type of Reporting Person (See Instructions)

IA, PN

SCHEDULE 13G

CUSIP Number(s): 03076K108

1

Names of Reporting Persons

North Reef Capital Management GP LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 2,732,243.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,732,243.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,732,243.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.06 %

12

Type of Reporting Person (See Instructions)

OO

Comment for Type of Reporting Person: Limited Liability Company

SCHEDULE 13G

CUSIP Number(s): 03076K108

1

Names of Reporting Persons

James Hanna, III

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

CALIFORNIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 2,732,243.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 2,732,243.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,732,243.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.06 %

12

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Ameris Bancorp
(b)	Address of issuer's principal executive offices: 3490 Piedmont Rd N.E., Suite 1550, Atlanta , GA, 303059
Item 2.
(a)	Name of person filing: North Reef Capital Management LP North Reef Capital Management GP LLC James Hanna, III
(b)	Address or principal business office or, if none, residence: c/o North Reef Capital Management LP 1833 South Coast Highway Suite 210 Laguna Beach, California 92651
(c)	Citizenship: North Reef Capital Management LP - Delaware North Reef Capital Management GP LLC - Delaware James Hanna, III - California
(d)	Title of class of securities: Common Stock, par value, $1 per share
(e)	CUSIP No.: 03076K108
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 2,732,243
(b)	Percent of class: 4.06 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 2,732,243
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 2,732,243
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

North Reef Capital Management LP

Signature:	/s/ Daniel Locasto
Name/Title:	Chief Compliance Officer
Date:	08/14/2026

North Reef Capital Management GP LLC

Signature:	/s/ James Hanna, III
Name/Title:	Managing Member
Date:	08/14/2026

James Hanna, III

Signature:	/s/ James Hanna, III
Name/Title:	James Hanna, III
Date:	08/14/2026

Exhibit Information

EXHIBIT 99.1 - JOINT FILING AGREEMENT