Ameris Ban

Capital and liquidity are strong. CET1 around 13% and TCE/TA ~11% provide a substantial cushion above internal targets. ACL coverage is 1.62% of loans, with low NPAs and NCOs.

Uninsured deposits were estimated at ~$10.37 billion at 9/30/25 (of which ~27.6% were collateralized municipal deposits), and Ameris maintained sizable contingent liquidity lines (FHLB and FRB combined >$5 billion as of 3Q25), alongside a growing AFS portfolio.

Loan‑to‑deposit ratio runs mid‑90s, consistent with efficient but not stretched balance‑sheet usage. These metrics support resilience under stress scenarios.