2024 Overview
General Bank Information
Ameris Bank is an FDIC insured institution located in Atlanta, GA. It was founded in 1971 and has approximately $25.11 billion in assets. Customers can open an account at one of its 126 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 20504 |
| Date Established | 1971 |
| Assets | $ 25.11 billion |
| Loans | $ 20.24 billion |
| Deposits | $ 20.87 billion |
| Capital | $ 3.54 billion |
For a more detailed analysis of Ameris Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Ameris Bank
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 401822 |
6.818% |
6.625% 1.00 points $6,400 fees |
$2,049 | Learn More |
NMLS ID: 2059741 |
6.994% |
6.875% 0.63 points $3,901 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.451% |
7.375% 0.75 points $2,400 fees |
$2,211 | Learn More |
NMLS ID: 491986 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Ameris Bank
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Branches
Ameris Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
Ameris Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Ameris Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Ameris Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Ameris Bank | U.S. Bank Average |
|---|---|
| 4.53% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, Ameris Bank had $168,105,000 in non-current loans and $6,199,000 in owned real estate. To cover these potential losses it had $3,541,231,000 in equity and $307,100,000 in loans loss reserves. That gives it a Texas Ratio of 4.53%.
Return on Equity
| Ameris Bank | U.S. Bank Average |
|---|---|
| 8.62% | 12.20% |
Ameris Bank has a Return on Equity of 8.62% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Ameris Bank | U.S. Bank Average |
|---|---|
| 14.1% | 10.76% |
Ameris Bank has a Capitalization of 14.1% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Ameris Bank Balance Sheet Analysis
As of December 31, 2023, Ameris Bank had assets of $25,112,290,000, loans of $20,243,535,000, and deposits of $20,874,645,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 1,166.47 million |
| Interest-bearing balances | $ 936.83 million |
| Total securities | $ 1,544.84 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 20.24 billion |
| Loan loss allowance | $ 307.10 million |
| Trading account assets | $ 5.57 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 6.20 million |
| Goodwill and other intangibles | $ 1,207.76 million |
| All other assets | $ 573.50 million |
| Total Assets | $ 21.57 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 20.87 billion |
| Interest-bearing deposits | $ 14.22 billion |
| Deposits held in domestic offices | $ 20.87 billion |
| % insured (estimated) | 56.35% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | $ 5.84 million |
| Other borrowed funds | $ 48.71 million |
| Subordinated debt | $ 75.78 million |
| All other liabilities | $ 347.86 million |
| Total Liabilities | $ 21.57 billion |
| Shareholders’ Equity | $ 3.54 billion |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 1,280.46 million |
| Total Interest Expense | $ 420.85 million |
| Net interest income | $ 859.61 million |
| Provision for loan and lease losses | $ 142.66 million |
| Total non interest income | $ 246.58 million |
| Total non interest expense | $ 565.38 million |
| Pre-tax Net Operating Income | $ 244.23 million |
Bank Loan Profile?
The top three loan types in Ameris Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.
Compared to other banks, Ameris Bank’s loan portfolio does not show any specific loan specialty.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 21.88 | ✓ | ||
| Multifamily Mortgages |
3.43 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.90 | ✓ | ||
| Small Business Loans | 3.61 | ✓ | ||
| Construction and Development Loans | 8.63 | ✓ | ||
| Commercial Real Estate | 31.07 | ✓ | ||
| Commercial and Industrial Loans | 13.07 | ✓ | ||
| Farm Loans | 0.44 | ✓ | ||
Customer Reviews for Ameris Bank
COLETTE B
May 30, 2022
I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE YOU AN EXAMPLE. THERE IS NO WAY EVER TO GET THROUGH TO ANY ONE. LAST TIME I HAD A QUESTION ABOUT WHETHER I COULD PAY WITH A CREDIT CARD -- I WAS ON HOLD FOR AN HOUR SEVERAL TIMES, MYSTERIOUSLY DROPPED... THEN GOT A MESSAGE THAT NOBODY WAS WORKING DURNG THAT HOUR (WHY NOT TELL ME BEFORE I WAITED???)... I NEVER GOT THE ANSWER. THIS MONTH, I COULDN'T FIGURE OUT MY PASSWORD, SO CALLED... ENDLESS WAITING, SAME THING... NEVER SPOKE TO ANYONE... STILL CAN'T GET IN ACCOUNT... IT'S FRUSTRATING, INSULTING, DEGRADING, DEHUMANIZING, AND A TOTAL NIGHTMARE. THEY NEED A COMPLETE REHAUL OF THEIR CUSTOMER SERVICE -- THEY OFFER NONE. WORST EVER.
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Michael
January 14, 2022 |
I normally don’t go out of my way to condemn a bank but in this case it’s really my duty.
If you want a car loan, please go to another more reputable institution. My story will convince you. I bought a Hyundai Santa Fe in 2018 in Roswell, GA. BTW, Rick Case Hyu dai are Rock Stars and have treated me very well. When I moved to Florida inSep of 2021, I applied for my Tag 10 Sep 2021. It’s 14 Jan 2021 and I still have no Tag because the incompetent group of invalids running the Title dept and the third party that actually does the work are incapable of transferring a title to another state. After 90 days inFlorida, you can drive on a temporary tag until the title shows up. To this day, those morons have no idea where the title is and really aren’t too worried about it making it to Florida. I’ve called multiple times a week only to be told, “ it’s still being processed”. Probably a phrase on a card they are trained to repeat. My car is almost paid off and I don’t want to sell or trade, but if I can’t drive it I may be forced to do so. Can’t drive, to work, the store, the doctors office, nothing. The incompetence of this organization is inexcusable. I’ve never dealt will the sorriest group of individuals in my entire life. Do not use this bank for no reason. You’ll regret it I promise.
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Frank
April 6, 2021 |
This bank bought out my bank which had already been bought before. I stayed with them. But I'm about to leave. I could open a bank across from this place and pout it out of business by simply offering CUSTOMER SERVICE!!!
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Sherri
January 25, 2016
I love Ameris Bank and, especially the branch manager and staff at the St. Johns Town Center branch. Very friendly, very responsive, always trying to help. Highly recommend them!
Is this review helpful? Yes:2 / No: 0
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