Ameris Bancorp(US:ABCB)2025-07-29 13:00Financial Performance - The company's net income for 2Q25 was $109834 thousand, a 25% increase compared to $87935 thousand in 1Q25 and a 21% increase compared to $90785 thousand in 2Q24[19] - Return on average assets (ROA) was 165% in 2Q25, up from 136% in 1Q25 and 141% in 2Q24[19] - Return on average tangible common equity (ROTCE) reached 1582% in 2Q25[18] - Tangible book value per share grew by $154 to $4132 at the end of June 2025, representing a 155% annualized growth[18] Balance Sheet and Capital - The CET1 ratio was 130%[9] - The TCE ratio stood at 1109%, compared to 972% a year prior[18] - Noninterest-bearing deposits remained strong, accounting for 310% of total deposits as of June 30, 2025[18] Revenue and Expenses - Net interest margin (TE) expanded by 4 bps to 377%[18] - Total revenue increased by $149 million, or 209% annualized, from 1Q25[18] - The efficiency ratio improved to 5163%[18] - Mortgage banking activity contributed 13% of total revenue in 2Q25[34] Loan Portfolio and Credit Quality - Loan balances increased by $335 million, or 65% annualized, during 2Q25[57] - The allowance for credit losses (ACL) on loans was 162% of total loans[53] - Net charge-offs totaled $71 million, or 014% annualized, in 2Q25[68]