Ameris Bank

Headquarters

3490 Piedmont Rd Ne
Atlanta, GA 30305
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.01% →
1-Year CD N.A. 4.50% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Bank Information

Ameris Bank is an FDIC insured institution located in Atlanta, GA. It was founded in 1971 and has approximately $23.59 billion in assets. Customers can open an account at one of its 126 branches.

FDIC Insured Yes
FDIC Certificate # 20504
Date Established 1971
Assets $ 23.59 billion
Loans $ 17.94 billion
Deposits $ 19.83 billion
Capital $ 3.29 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 - November 28, 2022

Your Current Location: Connecticut, CT 06828

There are currently no rates available for Ameris Bank, but see these great savings and CD rates:

Advertiser Disclosure
 

Loan Rates - November 28, 2022

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
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AimLoan.com
NMLS ID: 2890
License#: 13256
6.226% 6.125%
0.63 points
$2,685 fees
$1,520 Learn More
Embrace Home Loans (ICB)
NMLS ID: 2184
6.722% 6.625%
1.00 points
$2,500 fees
$1,601 Learn More
Eligibility.org
NMLS ID: 1907

points
fees
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Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 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:
Fairfield,Connecticut


Ameris Bank Locations



Climate Initiatives

Ameris Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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
3.83% 4.06%

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 June 30, 2022, Ameris Bank had $131,454,000 in non-current loans and $835,000 in owned real estate. To cover these potential losses it had $3,285,288,000 in equity and $172,642,000 in loans loss reserves. That gives it a Texas Ratio of 3.83%.

Return on Equity
Ameris Bank U.S. Bank Average
11.58% 9.98%

Ameris Bank has a Return on Equity of 11.58% versus the BestCashCow average of 9.98%. 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
13.93% 10.23%

Ameris Bank has a Capitalization of 13.93% versus the BestCashCow average of 10.23. 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 June 30, 2022, Ameris Bank had assets of $23,591,556,000, loans of $17,944,044,000, and deposits of $19,832,780,000. 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

June 30, 2022
ASSETS
Cash & Balances due from depository institutions $ 2.30 billion
Interest-bearing balances $ 1,956.21 million
Total securities $ 1,164.32 million
Federal funds sold and reverse repurchase $ 5.00 million
Net loans and leases $ 17.94 billion
Loan loss allowance $ 172.64 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.84 million
Goodwill and other intangibles $ 1,325.82 million
All other assets $ 573.50 million
     Total Assets $ 20.31 billion
LIABILITIES
Total deposits $ 19.83 billion
      Interest-bearing deposits $ 11.42 billion
      Deposits held in domestic offices $ 19.83 billion
      % insured (estimated) 55.66%
Federal funds purchased and repurchase agreements $ 0.95 million
Trading liabilities N.A.
Other borrowed funds $ 48.71 million
Subordinated debt $ 75.97 million
All other liabilities $ 347.86 million
      Total Liabilities $ 20.31 billion
      Shareholders’ Equity $ 3.29 billion

Summary Income Statement

June 30, 2022
INCOME AND EXPENSES
Total Interest Income $ 385.94 million
Total Interest Expense $ 12.09 million
Net interest income $ 373.85 million
Provision for loan and lease losses $ 21.16 million
Total non interest income $ 172.23 million
Total non interest expense $ 280.70 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 24.69
Multifamily
Mortgages
3.86
Credit Card Loans 0.00
Consumer Auto Loans 1.01
Small Business Loans 4.57
Construction and Development Loans 9.74
Commercial Real Estate 35.06
Commercial and Industrial Loans 14.74
Farm Loans 0.50

Customer Reviews for Ameris Bank


  • 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.

  • 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.

  • 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!!!

  • 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!

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