Ameris reported FY 2025 net income of USD 412.2 million and diluted EPS of USD 6.00, with return on average assets of 1.54% and return on average shareholders’ equity of 10.52%. Net interest income (taxable-equivalent) was USD 940.7 million, up 10.3%, and net interest margin rose to 3.79%. The company recorded a provision for credit losses of USD 70.2 million, including USD 47.4 million for loan losses and USD 22.8 million for unfunded commitments. Ameris ended FY 2025 with total assets of USD 27.5 billion and loans of USD 21.5 billion, supported by total deposits of USD 22.4 billion. Credit quality metrics included non-performing assets of USD 120.5 million (0.44% of total assets) and an allowance for credit losses on loans of USD 348.1 million (1.62% of loans), while net charge-offs were 0.18% of average loans. Tangible book value per share increased 14.5% to USD 44.18, and the company repurchased USD 77.1 million of stock (1,155,570 shares) during FY 2025.

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