Ameris Bank

225 South Main Street
Moultrie, GA 31768


General Bank Information

FDIC Insured Yes
FDIC Certificate # 20504
Date Established 1971
Assets $4.16 billion
Loans $2.94 billion
Deposits $3.53 billion
Capital $0.54 billion

Ameris Bank is an FDIC insured institution located in Moultrie, GA. It was founded in 1971 and has approximately $5.21 billion in assets. Customers can open an account via one of its 118 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 Small Business 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 30.67
Credit Card Loans 0.00
Consumer Auto Loans 0.24
Small Business Loans 18.15
Construction and Development Loans 8.56
Commercial Real Estate 39.18
Commercial and Industrial Loans 6.76
Farm Loans 1.63

Savings Rates

Your Current Location: New York, NY 10007

3 Mo CD 10K 0.08% $1,000 - Learn MoreShow Less
6 Mo CD 10K 0.12% $1,000 - Learn MoreShow Less
12 Mo CD 10K 0.20% $1,000 - Learn MoreShow Less
18 Mo CD 10K 0.27% $1,000 - Learn MoreShow Less
24 Mo CD 10K 0.34% $1,000 - Learn MoreShow Less
36 Mo CD 10K 0.47% $1,000 - Learn MoreShow Less
48 Mo CD 10K 0.60% $1,000 - Learn MoreShow Less
60 Mo CD 10K 0.78% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.05% $200 - Learn MoreShow Less
Fixed IRA 0K 0.20% $1,000 - Learn MoreShow Less
MM 10K 0.05% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.05% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: New York, NY 10007

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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:
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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. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Ameris Bank U.S. Bank Average
24.68% 8.56%

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, 2015, Ameris Bank had $76,856,000 in non-current loans and $62,245,000 in owned real estate. To cover these potential losses it had $541,866,000 in equity and $21,852,000 in loans loss reserves. That gives it a Texas Ratio of 24.68%. 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
8.43% 9.74%

Ameris Bank has a Return on Equity of 8.43% versus the BestCashCow average of 9.74%. 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
13.04% 11.23%

Ameris Bank has a Capitalization of 13.04% versus the BestCashCow average of 11.23%. 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 March 31, 2015, Ameris Bank had assets of $5,209,908,000, loans of $2,940,200,000, and deposits of $3,533,841,000. 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.

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