North Reef Capital reports 3.42M-share stake in Ameris Bancorp (ABCB)

Rhea-AI Filing Summary

Ameris Bancorp ownership disclosure: North Reef Capital Management LP and related filers report beneficial ownership of 3,423,243 shares of Ameris Bancorp common stock, representing 5.04% of the class as reported on 03/31/2026. The filing indicates shared voting and shared dispositive power over these shares.

Insights

Institutional Ownership Analyst

Large passive stake disclosed with shared control.

The filing shows 3,423,243 shares (5.04%) held by North Reef Capital Management LP and affiliates, with shared voting and shared dispositive power. This is a disclosure of ownership under Schedule 13G rather than an active takeover filing.

Timing: the report lists 03/31/2026 as the relevant date, with signatures dated 05/15/2026. Subsequent filings would be required if ownership or intent changes.

Corporate Governance Specialist

Shared control suggests collective decision-making by related entities.

The disclosure attributes shares across North Reef Capital Management LP, its GP LLC, and James Hanna, III with identical shared voting/dispositive counts, indicating centralized reporting by affiliated parties. The form used (Schedule 13G) signals an institutional investor reporting a passive or qualifying ownership status.

Investors may watch for any future amendments that would convert to a Schedule 13D if intent or control changes.

Key Figures

Report date: 03/31/2026 Beneficially owned: 3,423,243 shares Percent of class: 5.04% +3 more

6 metrics

Report date 03/31/2026 Date tied to ownership figures on the filing cover line

Beneficially owned 3,423,243 shares Amount beneficially owned reported in Item 4(a)

Percent of class 5.04% Percent of class reported in Item 4(b)

CUSIP 03076K108 Security identifier for Ameris Bancorp common stock

Shared voting power 3,423,243 shares Item 4(c)(ii) shared power to vote

Shared dispositive power 3,423,243 shares Item 4(c)(iv) shared power to dispose

Key Terms

Schedule 13G, Beneficially owned, Shared dispositive power

3 terms

Schedule 13G regulatory

"Name of filing form: SCHEDULE 13G"

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.

Beneficially owned financial

"Item 4. (a) Amount beneficially owned: 3,423,243"

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 dispositive power regulatory

"Shared Dispositive Power 3,423,243.00"

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

Ameris Bancorp

(Name of Issuer)

Common Stock, par value, $1 per share

(Title of Class of Securities)

03076K108

(CUSIP Number)

03/31/2026

(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 3,423,243.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 3,423,243.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

3,423,243.00

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)

5.04 %

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 3,423,243.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 3,423,243.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

3,423,243.00

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)

5.04 %

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 3,423,243.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 3,423,243.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

3,423,243.00

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)

5.04 %

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 30305
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 Number(s): 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: 3,423,243
(b)	Percent of class: 5.04 %
(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: 3,423,243
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 3,423,243
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
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:	05/15/2026

North Reef Capital Management GP LLC

Signature:	/s/ James Hanna, III
Name/Title:	Managing Member
Date:	05/15/2026

James Hanna, III

Signature:	/s/ James Hanna, III
Name/Title:	James Hanna, III
Date:	05/15/2026

Exhibit Information

EXHIBIT 99.1 - JOINT FILING AGREEMENT

FAQ

What stake does North Reef Capital report in Ameris Bancorp (ABCB)?

The filing reports 3,423,243 shares, equal to 5.04% of Ameris Bancorp common stock as of 03/31/2026. The ownership is reported jointly by affiliated entities and an individual filer.

Who are the filers reporting the 5.04% position in ABCB?

The joint filers are North Reef Capital Management LP, North Reef Capital Management GP LLC, and James Hanna, III, each listed with shared voting and dispositive power over the disclosed 3,423,243 shares.

What voting and dispositive powers are disclosed for the ABCB shares?

The filing shows 0 sole voting power and 3,423,243 shared voting power; likewise 0 sole dispositive power and 3,423,243 shared dispositive power, indicating joint control among the reporting parties.

What form was used to report North Reef's holdings in ABCB and why does it matter?

The disclosure was made on a Schedule 13G, which typically indicates an institutional or passive investor reporting beneficial ownership rather than an active acquisition intent, distinguishing it from a Schedule 13D filing.