Ameris Ban

CEO H. Palmer Proctor and CFO Nicole Stokes have steered the company through a higher‑rate environment while improving operating leverage and capital metrics.

Public commentary emphasizes organic growth, deposit quality, and cautious use of noncore funding, with clear guardrails on CRE concentrations (CRE ~265% and construction ~46% of risk‑based capital at Q1 2026). The executive team’s tenure and communication are solid, and governance materials are accessible.

We score this above average, noting execution so far on efficiency and risk controls.