Ameris Bank: how it compares with its peers
Against 88 U.S. banks with half to twice its assets, Ameris Bank's strongest measure in Q2 2026 is net interest margin (3.94% vs. a 3.59% peer median). Its weakest relative measure is efficiency ratio (59.99% vs. 55.16%).
| Measure | Ameris Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 1.21% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.59% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.99% | 55.16% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $12.4M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.26% | 85.69% | Context |
What it means for lending operations
Its efficiency ratio of 59.99% is above the 55.16% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sallie Mae Bank Salt Lake City, UT · $28.54B
- Arvest Bank Fayetteville, AR · $28.05B
- Axos Bank San Diego, CA · $28.87B
- United Community Bank Greenville, SC · $28.99B
- WesBanco Bank, Inc. Wheeling, WV · $27.75B
- City National Bank of Florida Miami, FL · $29.11B
Questions about Ameris Bank
How big is Ameris Bank?
Ameris Bank, established in 1971, is headquartered in Atlanta, GA. It reported $28.42B in total assets in its Q2 2026 FDIC call report and operates 176 offices.
What is Ameris Bank's return on assets?
1.23% annualized in Q2 2026, against a 1.21% median for 88 U.S. banks with half to twice its assets, ahead of 51% of them.
What is Ameris Bank's efficiency ratio?
59.99% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 55.16%, and lower is better.
Is Ameris Bank growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits grew 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.