Ameris Bancorp
Ameris Bancorp is classed by the SEC under State Commercial Banks (industry code 6022), based in Atlanta, GA. Its latest filed balance sheet (2025-12-31) shows total assets of $28 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.0 out of ten, 9 of 9 metrics filed: past 3.0 out of ten, present 7.0 out of ten, future 5.3 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 0.6 out of ten. 4 warning events since 2017; the latest 2024-07-12. 6th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.5 out of ten. +21.6% a year over 10 filed years; profitable in 10 of 10. 65th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 3.9 out of ten. Share count shrank 0.3% a year. 12% of cash flow returned. Insiders: 7 sales, 1 purchases. 39th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 7.5 out of ten. ROE 10%: 10¢ of profit per shareholder dollar. Leverage 85%: owes 85¢ per asset dollar. 75th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 6.9 out of ten. top 31% of 155 in its family; net margin 29.6%. 69th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 6.1 out of ten. top 39% of 150 in its family for leadership; chief executive since 2019. 61st percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 6.0 out of ten. top 40% of 142 in its family for room to expand. 60th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.3 out of ten. bottom 33% of 152 in its family for growth drivers. 33rd percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 6.5 out of ten. top 35% of 150 in its family for expectations against reality. 65th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-26 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form 4, 2026-09-16. Filings on record since 1995. Read from EDGAR 2026-10-12.
Who runs it
Proctor, H Palmer Jr (CEO); Bassett, Lawton E III (Bank President); Stokes, Nicole S (CFO); Strange, Douglas D (Chief Credit Officer); Boggs, David Mcleod (Chief Risk Officer); Creasy, Ross L (Chief Information Officer); Lahaise, James A (Chief Strategy Officer); Mckendry, William D (Chief Risk Officer); Pierson, Michael T (Chief Governance Officer); Spencer, Jody L (Chief Legal Officer); and 9 more. 19 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
This file: Overview · Past · Present · Future · Filings · every company on file
Every stock is a company. We grade the company behind the stock. CrossAssetData is a company research product: no investment advice, no price targets, no price predictions; every claim carries its source, and unseen means unseen. The full file draws when the page's script runs: the essentials, the balance sheet, the estimators, the trend, and every filing of the last ten years.