Ameris Bank

300 South Main Street
Moultrie, GA 31768

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20504
Date Established 1971
Assets $7.39 billion
Loans $5.79 billion
Deposits $5.80 billion
Capital $0.93 billion

Ameris Bank is an FDIC insured institution located in Moultrie, GA. It was founded in 1971 and has approximately $7.39 billion in assets. Customers can open an account at one of its 126 branches.

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.

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 27.16
Multifamily
Mortgages
2.65
Credit Card Loans 0.00
Consumer Auto Loans 0.14
Small Business Loans 10.84
Construction and Development Loans 9.70
Commercial Real Estate 30.19
Commercial and Industrial Loans 13.01
Farm Loans 1.22

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.08% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.12% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $200 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.20% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.05% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.10% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

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:
Ashburn,Virginia


Ameris Bank Locations

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
8.37% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Ameris Bank had $37,289,000 in non-current loans and $42,401,000 in owned real estate. To cover these potential losses it had $926,586,000 in equity and $25,101,000 in loans loss reserves. That gives it a Texas Ratio of 8.37%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Ameris Bank U.S. Bank Average
10.72% 8.58

Ameris Bank has a Return on Equity of 10.72% versus the BestCashCow average of 8.58. 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
12.54% 12.11

Ameris Bank has a Capitalization of 12.54% versus the BestCashCow average of 12.11. 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, 2017, Ameris Bank had assets of $7,389,330,000, loans of $5,792,506,000, and deposits of $5,798,375,000. 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.

Frequently Asked Questions About Ameris Bank

Branches and Savings

Is Ameris Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20504.

Why does Ameris Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Ameris Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Ameris Bank a commercial bank?

Yes

Where are Ameris Bank locations?

See branch locations nearby.

Is Ameris Bank open on Saturdays?

Is Ameris Bank open on Sundays?

What time does Ameris Bank open?

What time does Ameris Bank close?

Are Ameris Bank ATMs Open 24/7?

Do Ameris Bank ATMs accept cash deposits?

Can Ameris Bank customers use other ATMs?

Do Ameris Bank branches have notaries?

Will Ameris Bank notarize my document?

What address for Ameris Bank should I put for incoming ACH transfers?

Will the Ameris Bank branch print checks?

Do Ameris Bank checks expire?

Does Ameris Bank require US citizenship to open account?

Can Ameris Bank close my account?

Does Ameris Bank Report to credit bureaus?

Does Ameris Bank Use Equifax?

What is Ameris Bank's ACH Routing Number?

What is Ameris Bank's SWIFT code?

Products

Does Ameris Bank offer mortgages?

Compare mortgage rates here.

Does Ameris Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ameris Bank offer personal loans?

Compare personal loan rates here.

Does Ameris Bank offer student loans?

Will Ameris Bank cash a check?

Will Ameris Bank redeem a savings bond?

Does Ameris Bank cash savings bonds?

Will Ameris Bank cash money orders?

Can Ameris Bank issue a money order?

Does Ameris Bank do currency exchange?

Background on The Bank

Who owns Ameris Bank?

How long has Ameris Bank been around?

Can Ameris Bank transfer to other banks?

Does Ameris Bank have quick pay?

Does Ameris Bank accept rolled coins?

Will Ameris Bank accept loose change?

Where is Ameris Bank headquarters?

Customer Reviews for Ameris Bank


  • 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!

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