Ameris Bank


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

Notable Rates APY Vs.Others
Savings 0.05% 1.02% →
1-Year CD 0.20% 1.45% →
2-Year CD 0.20% 2.86% →
5-Year CD 0.20% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Ameris Bank is an FDIC insured institution located in Atlanta, GA. It was founded in 1971 and has approximately $23.75 billion in assets. Customers can open an account at one of its 126 branches.

FDIC Insured Yes
FDIC Certificate # 20504
Date Established 1971
Assets $ 23.75 billion
Loans $ 16.96 billion
Deposits $ 19.91 billion
Capital $ 3.08 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 - May 21, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
18 Mo CD
0.20% $10,000 $14,999 Learn More
18 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.20% $10,000 $14,999 Learn More
24 Mo CD
0.20% $100,000 $199,999 Learn More
36 Mo CD
0.20% $10,000 $14,999 Learn More
36 Mo CD
0.20% $100,000 $199,999 Learn More
48 Mo CD
0.20% $10,000 $14,999 Learn More
48 Mo CD
0.20% $100,000 $199,999 Learn More
60 Mo CD
0.20% $10,000 $14,999 Learn More
60 Mo CD
0.20% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 21, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
4.768% 4.690%
0.88 points
$2,252 fees
$1,296 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

Note to Ameris Bank
To upload and update your bank's rates please register. It is free to register and add rates.


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:
San Diego,California

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 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
3.16% 3.95%

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, 2021, Ameris Bank had $97,914,000 in non-current loans and $4,550,000 in owned real estate. To cover these potential losses it had $3,079,907,000 in equity and $167,582,000 in loans loss reserves. That gives it a Texas Ratio of 3.16%.

Return on Equity
Ameris Bank U.S. Bank Average
13.46% 10.50%

Ameris Bank has a Return on Equity of 13.46% versus the BestCashCow average of 10.50%. 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.

Ameris Bank U.S. Bank Average
12.97% 11.55%

Ameris Bank has a Capitalization of 12.97% versus the BestCashCow average of 11.55. 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, 2021, Ameris Bank had assets of $23,754,594,000, loans of $16,961,308,000, and deposits of $19,906,333,000. 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, 2021
Cash & Balances due from depository institutions $ 4.04 billion
Interest-bearing balances $ 3.74 billion
Total securities $ 672.92 million
Federal funds sold and reverse repurchase $ 20.00 million
Net loans and leases $ 16.96 billion
Loan loss allowance $ 167.58 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.55 million
Goodwill and other intangibles $ 1,274.67 million
All other assets $ 495.02 million
     Total Assets $ 20.67 billion
Total deposits $ 19.91 billion
      Interest-bearing deposits $ 11.89 billion
      Deposits held in domestic offices $ 19.91 billion
      % insured (estimated) 54.23%
Federal funds purchased and repurchase agreements $ 5.85 million
Trading liabilities N.A.
Other borrowed funds $ 312.72 million
Subordinated debt $ 126.53 million
All other liabilities $ 323.26 million
      Total Liabilities $ 20.67 billion
      Shareholders’ Equity $ 3.08 billion

Summary Income Statement

December 31, 2021
Total Interest Income $ 703.11 million
Total Interest Expense $ 28.18 million
Net interest income $ 674.94 million
Provision for loan and lease losses N.A.
Total non interest income $ 362.82 million
Total non interest expense $ 542.04 million
Pre-tax Net Operating Income $ 531.09 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.61
Credit Card Loans 0.00
Consumer Auto Loans 1.61
Small Business Loans 5.01
Construction and Development Loans 8.56
Commercial Real Estate 35.74
Commercial and Industrial Loans 14.16
Farm Loans 0.34

Customer Reviews for Ameris Bank

  • 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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