Ameris Bancorp filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on November 6, 2026, reporting third-quarter net income of $116.1 million and total assets of $28.5 billion.

Key Highlights

  • Net income: $116,093 thousand for the three months ended September 30, 2026, compared with $106,029 thousand for the same period in 2025.
  • Diluted EPS: $1.73 per share for Q3 2026, versus $1.54 per share for Q3 2025.
  • Total assets: $28,549,695 thousand as of September 30, 2026, up from $27,515,879 thousand at December 31, 2025.
  • Net interest income: $257,678 thousand for the three months ended September 30, 2026, compared with $237,964 thousand in the prior-year quarter.
  • Litigation accrual: $84,884 thousand recorded for the nine months ended September 30, 2026, versus $1,191 thousand in the same period of 2025.
  • Common dividend: $0.20 per share declared during the quarter, totaling $13,485 thousand.
  • Shares outstanding: 67,011,589 shares of common stock as of November 2, 2026.

Ameris Bancorp Q3 2026 Financial Results: Income, Loans, and Litigation Charges

According to the filing, Ameris Bancorp (NYSE:ABCB) reported net income of $116,093 thousand for the three months ended September 30, 2026, an increase from $106,029 thousand in the third quarter of 2025. For the nine months ended September 30, 2026, net income was $278,031 thousand, compared with $303,798 thousand in the same period of 2025. The company attributed the year-to-date decline primarily to a significant increase in noninterest expense, driven largely by a litigation accrual of $84,884 thousand recorded over the first nine months of 2026, versus $1,191 thousand for the same period in 2025.

Total interest income for the three months ended September 30, 2026 was $374,548 thousand, up from $355,046 thousand in Q3 2025, while total interest expense was $116,870 thousand, essentially unchanged from $117,082 thousand a year earlier, according to the filing. Net interest income for the nine-month period reached $754,598 thousand, compared with $691,616 thousand in the first nine months of 2025. Loans, net of unearned income, grew to $22,350,983 thousand at September 30, 2026, from $21,513,522 thousand at December 31, 2025. The allowance for credit losses stood at $362,308 thousand at period end.

Total noninterest expense for the nine months ended September 30, 2026 was $558,542 thousand, compared with $460,860 thousand in the prior-year period, the filing disclosed. Mortgage banking activity generated $29,226 thousand in noninterest income for Q3 2026, down from $40,666 thousand in Q3 2025. Total shareholders' equity was $4,124,255 thousand at September 30, 2026, versus $4,076,028 thousand at December 31, 2025. Accumulated other comprehensive loss was $(89,329) thousand at quarter end, reflecting net unrealized holding losses on debt securities available-for-sale.

What Was Disclosed

Ameris Bancorp's 10-Q for the quarter ended September 30, 2026 disclosed quarterly net income of $116.1 million, total assets of $28.5 billion, a year-to-date litigation accrual of $84.9 million, and diluted earnings per share of $1.73 for Q3 2026.