ABCB Ameris Bancorp (ABCB) Q3 FY26 earnings call
Ameris Bancorp delivered a strong third quarter, achieving a 5-year record EPS of $1.73 per share, driven by profitable organic growth in earning assets and deposits, while maintaining a robust net interest margin. The bank demonstrated disciplined balance sheet management, evidenced by strong capital levels and an improved efficiency ratio. Management anticipates continued mid-single-digit loan and deposit growth, though some margin compression is expected due to competitive deposit pricing.
You’re reading a preview. Opening the full call uses 1 concall credit.
Sign in to use your monthly call allowance.
ABCB operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | This call 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.