Ameris Bancorp (NYSE: ABCB)

Ameris Bancorp is a financial holding company that conducts its business primarily through its wholly owned banking subsidiary Ameris Bank. The Bank provides a full range of banking services to retail and commercial customers concentrated in select markets in Georgia, Alabama, Florida, North Carolina, and South Carolina. At December 31, 2025, the Company had approximately $27.52 billion in total assets, $22.14 billion in total loans, $22.38 billion in total deposits, and $4.08 billion of shareholders’ equity.

Ameris Bancorp generates revenue primarily through interest income earned on its diversified loan portfolio, which includes commercial real estate, residential mortgage, commercial and industrial, consumer, and agricultural loans. The Company also generates revenue from noninterest sources such as service charges on deposit accounts, mortgage banking activities, insurance premium financing, and wealth management services. The Bank serves both individual consumers and business entities across its southeastern footprint and through select national lending channels.

The company operates through the following segments:

• Commercial Banking. This segment encompasses traditional lending and deposit services for business customers, including commercial real estate loans, commercial and industrial loans, treasury and cash management, and commercial insurance premium financing.

• Retail Banking. This segment serves individual consumers through personal banking products such as residential mortgage loans, home equity loans, consumer loans, and various deposit accounts including checking, savings, and certificates of deposit.

• Wealth Management. This segment provides investment advisory, trust, and brokerage services to individuals, families, and institutions seeking financial planning and asset management solutions.

Ameris Bancorp holds a competitive position in the southeastern United States banking industry, where it faces competition from regional and national banks, credit unions, thrift institutions, and nonbank financial service providers. The Company differentiates itself through its community banking philosophy, emphasizing localized decision-making, personalized service, and deep customer relationships. Its decentralized structure allows market presidents to act as experienced decision makers, enabling responsiveness to local economic conditions and strengthening its ability to attract and retain low-cost core deposits.

The Company serves a diverse customer base including retail consumers, small and medium-sized businesses, municipalities, agricultural producers, and commercial real estate developers. Ameris Bank maintains relationships with individuals, entrepreneurs, wholesalers, retailers, manufacturers, and service companies across its primary markets in Georgia, Alabama, Florida, North Carolina, and South Carolina, as well as select national customers through specialized lending channels such as equipment finance and premium finance.