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Jun 30
Ameris Bank Q2 2025 Earnings Report
Ameris Bancorp reported strong Q2 2025 results with increased earnings, improved efficiency ratio, and continued deposit growth.
Key Takeaways
Ameris Bancorp posted a net income of $109.8 million in Q2 2025, driven by higher net interest income, expanding net interest margin, and robust mortgage activity. The bank also improved its efficiency ratio and grew its tangible book value per share.
Net income was $109.8 million, or $1.60 per diluted share.
Net interest margin expanded to 3.77% from 3.73% last quarter.
Tangible book value per share rose to $41.32, up $1.54 from last quarter.
Noninterest-bearing deposits increased to 31.0% of total deposits.
Ameris Bank
Ameris Bank
Ameris Bank Revenue by Segment
Revenue by Segment
Retail Mortgage Revenue
CapyFin.comWarehouse Lending Revenue
CapyFin.comPremium Finance Revenue
CapyFin.comBanking Division Revenue
CapyFin.com Forward Guidance
While Ameris Bancorp did not issue explicit numeric forward guidance, management expressed optimism about ongoing momentum and growth opportunities through the rest of 2025.
Positive Outlook
- Expectations of continued growth in retail mortgage and warehouse lending activity.
- Operational efficiencies likely to support further improvements in the efficiency ratio.
- Net interest margin expected to remain strong amid a favorable asset mix.
- Tangible book value growth supports capital strength.
- Management sees opportunity for continued deposit growth and balance sheet expansion.
Challenges Ahead
- Potential pressure on noninterest income if mortgage volumes moderate.
- Increased regulatory and compliance costs could impact noninterest expense.
- Interest rate volatility may affect net interest margin trajectory.
- Competitive pressures could constrain deposit pricing flexibility.
- Macroeconomic uncertainties could impact credit quality and provision trends.