ABCB Ameris Bancorp (ABCB) Q1 FY26 earnings call
Ameris Bancorp delivered a strong first quarter, driven by robust core profitability and effective capital management. The company achieved significant revenue growth while maintaining expense discipline, leading to positive operating leverage. Despite anticipating some near-term NIM compression from funding balance sheet growth, Ameris remains focused on organic expansion within its disruptive Southeastern markets and actively returning capital to shareholders through buybacks.
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ABCB operating KPIs by quarter
| KPI | This call Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Common equity tier 1 ratio (CET1) | ~13%Capital levels remain robust with CET1 finishing at roughly 13% and our TCE ratio slightly above 11%.Source: earnings call transcript | 12.8%Capital levels finished the second quarter strong with TCE at 11%, CET1 at 12.8%.Source: earnings call transcript | — | — |
| Return on tangible common equity (ROTCE) | 14.75%Our PPNR ROA was 2.3%, and our return on tangible common equity was 14.75% for the quarter.Source: earnings call transcript | — | 15.01%Our PPNR ROA was $2.27, and our return on tangible common equity was 15.01% for the quarter.Source: earnings call transcript | — |
| Net interest margin | 3.88%Our net interest margin expanded 3 basis points to a strong 3.88%.Source: earnings call transcript | — | 3.87%During the quarter, we experienced good organic growth and average earning assets at approximately 5% annualized and deposits at 6% annualized -- and importantly, we were able to drive this growth while protecting our above-average margin of 3.87% in the quarter.Source: earnings call transcript | — |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.