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EarningsQ2 2026 Earnings Report
ABCB Q2 2026 EPS Results
Actual EPS$1.60
Consensus EPS$1.66
Beat/MissMissed by -$0.06
One Year Ago EPS$1.59
ABCB Q2 2026 Revenue Results
Actual Revenue$446.71M
Expected Revenue$323.79M
Beat/MissBeat by +$122.92M
YoY Revenue Growth+5.55%
Earnings Announcement Details
QuarterQ2 2026
Date07/23/2026
TimeAfter Close
Conference CallThursday, July 23, 2026
ABCB Upcoming Earnings
Ameris Bancorp's next earnings date is estimated for October 22, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
ABCB Q2 2026 Earnings Call
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Q2 2026 Earnings Slide Deck
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call was positive: Ameris reported strong core profitability, robust organic earning-asset and loan growth, solid capital levels, improving efficiency and stable credit metrics. The primary negatives were a sizeable $82.5 million litigation accrual that materially reduced reported earnings, some pressure on mortgage-related non-interest income, and potential near-term margin compression as deposit costs rise and brokered funding was used tactically. Management emphasizes disciplined, profitable growth and remains opportunistic on buybacks while maintaining strong capital and reserve coverage.Company Guidance
Strong Core Profitability
Adjusted ROA of 1.53%, adjusted PPNR ROA of 2.24%, and adjusted return on tangible common equity of 14.08% (quarter) demonstrating peer-leading profitability despite high capital levels.
Robust Earning-Asset and Loan Growth
Average earning assets increased 8.5% annualized and loans grew approximately 6% annualized for the quarter; the company organically grew the balance sheet by nearly $1.0 billion year-to-date.
Strong Loan Production and Pipeline
Quarterly loan production of $2.4 billion, a 24% increase versus Q2 last year, with a robust loan pipeline of $2.7 billion and diversified production across C&I (including premium finance), mortgage warehouse, equipment finance, construction, and owner-occupied CRE.
Healthy Capital and Shareholder Returns
Tangible common equity above 11% and CET1 near 12.8%-13%; repurchased $19 million of common stock in Q2 and ~$94 million year-to-date (~1.7% of shares outstanding), with $65.4 million remaining authorization.
Efficient Operating Performance
Adjusted efficiency ratio improved ~130 basis points year-over-year to 50.4%, driven by adjusted revenue growth of 6% YoY versus adjusted expense growth of 3% YoY, indicating positive operating leverage.
Solid Net Interest Margin
NIM remained stable at 3.88% (100% core, no purchase accounting accretion), and the asset-liability position is effectively neutral to interest rate movements.
Strong Deposit Franchise and Funding Mix
Average deposits grew 4.4% annualized; non-interest-bearing deposits increased to 30% of total deposits (from 29.8%), and the balance sheet is funded with nearly 50% checking accounts.
Stable Credit Metrics and Reserve Coverage
Reserve ratio remained at 1.62% (unchanged), annualized net charge-offs decreased to 20 basis points with guidance of 20-25 bps for 2026, and combined reserve plus unfunded coverage of ~1.86% (~nine years of coverage on net charge-offs); NPAs and net charge-offs stayed low and stable.
Balance Sheet Scale
Total assets ended the quarter at $28.5 billion (up from $28.1 billion prior quarter); average earning assets grew $544.6 million in the quarter.
ABCB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed