Ameris Bancorp reported a strong financial performance for the fiscal year ending December 31, 2025, with net income reaching $412.2 million, or $6.00 per diluted share, compared to $358.7 million, or $5.19 per diluted share, in 2024. The company's net income as a percentage of average assets increased to 1.54% from 1.38% in the previous year, while the return on average shareholders' equity rose to 10.52% from 10.01%. The increase in net income was attributed to a rise in net interest income, which grew by 10.3% to $940.7 million, driven by a 5.5% increase in earning assets and a favorable shift in the interest rate environment.
In terms of operational metrics, Ameris Bancorp experienced organic loan growth of $773.6 million, or 3.73%, and total deposits increased by $653.5 million, or 3.01%, to $22.38 billion. The company also reported a decline in non-performing assets as a percentage of total assets, which fell to 0.44% from 0.47% in 2024. The total number of full-time equivalent employees decreased slightly to 2,673 from 2,691, reflecting a strategic focus on efficiency amid ongoing investments in technology and infrastructure.
Strategically, Ameris Bancorp has continued to enhance its market presence through both organic growth and acquisitions. The company operates 163 full-service banking offices across Georgia, Alabama, Florida, North Carolina, and South Carolina, and has plans for further geographic expansion. The bank's diversified loan portfolio, which includes significant commercial real estate and residential mortgage loans, is closely monitored to manage risk and ensure compliance with regulatory standards. The company has also engaged in share repurchases, totaling $77.1 million during 2025, as part of its capital management strategy.
Looking ahead, Ameris Bancorp remains optimistic about its growth trajectory, emphasizing its commitment to expanding its franchise and enhancing profitability. The company plans to continue focusing on organic growth while remaining open to strategic acquisitions that align with its long-term objectives. However, management acknowledges potential risks, including changes in interest rates, economic conditions, and competitive pressures, which could impact future performance. The company is well-capitalized, with a common equity Tier 1 capital ratio of 13.17%, exceeding regulatory requirements, and is positioned to navigate the evolving financial landscape effectively.
About Ameris Bancorp
Ameris Bancorp is a financial holding company operating primarily through its subsidiary, Ameris Bank, which offers comprehensive banking services including commercial, residential, consumer, and agricultural loans, as well as deposit products. Serving retail and commercial customers mainly in Georgia, Alabama, Florida, North Carolina, and South Carolina, Ameris emphasizes personalized community banking, local market expertise, and a diversified loan portfolio to build strong customer relationships and maintain stable, low-cost core deposits.
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