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Sep 30, 2025
Ameris Bank Q3 2025 Earnings Report
Ameris Bancorp reported a solid performance in Q3 2025, with net income rising to $106.0 million driven by growth in net interest income, improving margins, and strong asset quality.
Key Takeaways
Ameris Bancorp delivered strong Q3 2025 results with increased net income and EPS, boosted by higher net interest income and improved operating efficiency. The bank saw loan growth, deposit stability, and margin expansion, while maintaining solid asset quality and capital strength.
Net income rose to $106.0 million, with EPS of $1.54 and adjusted EPS of $1.53.
Net interest margin expanded to 3.80% due to higher yields on assets and lower funding costs.
Efficiency ratio improved to 49.19%, reflecting effective cost management.
Tangible book value per share increased to $42.90, supported by earnings and capital strength.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Ameris Bancorp expects continued growth in core deposits, tangible book value, and margin expansion supported by strong capital levels.
Positive Outlook
- Strong capital position provides strategic flexibility.
- Efficiency ratio improvement enhances operating leverage.
- Deposit mix stability supports net interest margin.
- Growth in earning assets indicates underlying demand.
- Robust asset quality with stable charge-offs.
Challenges Ahead
- Retail mortgage volume declined sequentially.
- Increased provision expense due to unfunded commitments.
- Noninterest-bearing deposits declined slightly QoQ.
- Operating expense pressure in banking segment due to incentives and healthcare.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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