ABCB Ameris Bancorp (ABCB) Q2 FY26 earnings call
Ameris Bancorp delivered a strong second quarter, showcasing robust core profitability and capital levels despite a significant litigation accrual. The bank achieved profitable balance sheet growth, driven by strong loan production and a focus on core granular deposits. Management remains committed to organic expansion, expense discipline, and opportunistic capital returns, while navigating anticipated modest net interest margin compression from rising deposit costs.
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ABCB operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | This call 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.