Ameris Bancorp(US:ABCB)2025-10-28 13:00Financial Performance - The company's net income for 3Q25 was $106.0 million, resulting in diluted earnings per share of $1.54[22] - The company's return on average assets (ROA) was 1.56% for 3Q25[22] - The company's return on average tangible common equity (ROTCE) was 14.57% for 3Q25[22] - The company's net interest margin (NIM) improved by 3 basis points to 3.80% in 3Q25[22] - The company's efficiency ratio improved to 49.19% in 3Q25[22] Balance Sheet and Capital - The company's tangible book value (TBV) grew by $1.58 per share to $42.90 at the end of 3Q25, representing an annualized growth rate of 15.2%[22] - The company's CET1 ratio was 13.2% at the end of 3Q25[13] - Noninterest-bearing deposits remained strong, representing 30.4% of total deposits as of September 30, 2025[22] Loan Portfolio and Credit Quality - The company's loan portfolio totaled $21.3 billion in 3Q25[56] - The company's allowance for credit losses (ACL) on loans was 1.62% of total loans in 3Q25[13] - The company's net charge-offs were stable at 0.14% annualized in 3Q25[22] Market Position and Growth - The company's Southeast markets are projected to grow approximately 1.7x the national average over the next five years[13]