Form 8-K

8-K — Ameris Bancorp

Accession: 0000351569-26-000079

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0000351569

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Documents

8-K — abcb-20260423.htm (Primary)

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8-K

8-K (Primary)

Filename: abcb-20260423.htm · Sequence: 1

abcb-20260423

false000035156900003515692026-04-232026-04-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): April 23, 2026

Ameris Bancorp

(Exact Name of Registrant as Specified in Charter)

Georgia 001-13901 58-1456434

(State or Other Jurisdiction of Incorporation) (Commission File Number)  (IRS Employer Identification No.)

3490 Piedmont Road N.E., Suite 1550

Atlanta, Georgia 30305

(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code: (404) 639-6500

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $1.00 per share

ABCB

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 2.02 Results of Operations and Financial Condition.

On April 23, 2026, Ameris Bancorp (the “Company”) issued a press release announcing its unaudited financial results for the quarter ended March 31, 2026. A copy of that press release is attached to this Current Report on Form 8-K (this “Report”) as Exhibit 99.1.

The information contained in this Item 2.02 and in Exhibit 99.1 attached to this Report is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of such section. Furthermore, such information shall not be deemed to be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended.

Item 7.01 Regulation FD Disclosure.

A copy of the investor presentation material that the Company will present regarding its earnings during the teleconference beginning at 9:00 a.m. Eastern time on April 24, 2026 is attached to this Report as Exhibit 99.2. The investor presentation material is also available on the “Investor Relations” page of the Company’s website (http://www.amerisbank.com).

The information contained in this Item 7.01 and in Exhibit 99.2 attached to this Report is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of such section. Furthermore, such information shall not be deemed to be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

99.1

Press Release Dated April 23, 2026

99.2

Investor Presentation re: 1st Quarter 2026 Results

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

AMERIS BANCORP

By: /s/ Nicole S. Stokes

Nicole S. Stokes

Chief Financial Officer

Date: April 23, 2026

EX-99.1

EX-99.1

Filename: exhibit991pressreleasedate.htm · Sequence: 2

Document

News Release

AMERIS BANCORP ANNOUNCES FIRST QUARTER 2026 FINANCIAL RESULTS

Highlights of Ameris’s results for the first quarter of 2026 include the following:

•Net income of $110.5 million, or $1.63 per diluted share

•Return on average assets of 1.62%

•Return on average tangible common equity(1) of 14.75%

•Net interest margin (TE) expansion of 3bps to 3.88% for the first quarter of 2026

•Growth in earning assets of $607.8 million, or 9.7% annualized

•Loan growth of $314.5 million, or 5.9% annualized

•Deposit growth of $260.7 million, or 4.7% annualized

•Efficiency ratio of 49.97%, an improvement from 52.83% for the first quarter of 2025

•Revenue growth of 9.5% annualized in the first quarter of 2026

•Noninterest-bearing deposit mix improved to 29.8% of total deposits

•Annualized net charge-offs declined to 0.21% of average total loans

•Tangible book value(1) growth of $0.61 per share, or 5.6% annualized, to $44.79 at March 31, 2026

•Increased share repurchases totaling $74.9 million, or 950,400 shares, in the quarter

ATLANTA, GA, April 23, 2026 - Ameris Bancorp (NYSE: ABCB) (the “Company” or “Ameris”) today reported net income of $110.5 million, or $1.63 per diluted share, for the quarter ended March 31, 2026, compared with $87.9 million, or $1.27 per diluted share, for the quarter ended March 31, 2025.

Commenting on the Company’s results, Palmer Proctor, the Company’s Chief Executive Officer, said, “First quarter was a strong start to the year with our performance metrics continuing to outpace the broader industry. Our ROA expanded to 1.62%, our return on average tangible common equity grew to 14.75% and our margin expanded 3 basis points to 3.88% for the first quarter. The continued focus on expenses across the Company resulted in an efficiency ratio just under 50% despite some seasonal headwinds. Growth was robust with annualized revenue growth in the high single digits and annualized loan and deposit growth in the mid-single digits. We were more active in our share repurchase program, buying back almost $75 million of our common stock in the quarter or approximately 1.4% of our outstanding equity. Overall, another solid quarter from Ameris with our focus remaining on profitably growing our franchise across our attractive Southeast markets.”

Net Interest Income and Net Interest Margin

Net interest income on a tax-equivalent basis (TE) was $245.4 million in the first quarter of 2026, a decrease of $903,000, or 0.4%, from last quarter and an increase of $22.6 million, or 10.2%, compared with the first quarter of 2025. The Company's average earning assets increased during the quarter by $265.2 million, or 4.2% annualized, primarily due to an increase of $311.9 million in average portfolio loans outstanding and an increase of $99.7 million in the average balance of investment securities, partially offset by a decrease in average loans held for sale of $142.1 million.

The Company's net interest margin expanded to 3.88% for the first quarter of 2026, a three-basis point increase from 3.85% reported for the fourth quarter of 2025 and a 15-basis point improvement from the 3.73% reported for the first quarter of 2025.

Yields on earning assets decreased four basis points during the quarter to 5.57%, compared with 5.61% in the fourth quarter of 2025. This decrease is primarily related to a two-basis point decrease in yield on portfolio loans outstanding during the first quarter of 2026.

The Company’s total cost of funds decreased seven basis points to 1.88% in the first quarter of 2026, compared with 1.95% in the fourth quarter of 2025, and improved 18 basis points compared with the first quarter of 2025. Deposit costs decreased 11 basis points during the first quarter of 2026 to 1.76%, compared with 1.87% in the fourth quarter of 2025. Costs of interest-bearing deposits during the quarter were 2.50%, a decrease of 16 basis points compared with the fourth quarter of 2025.

Noninterest Income

Noninterest income increased $8.1 million, or 13.1%, in the first quarter of 2026 to $69.9 million, compared with $61.8 million for the fourth quarter of 2025. Mortgage banking activity increased $5.1 million, or 16.1%, to $37.0 million in the first quarter of 2026, compared with $31.9 million for the fourth quarter of 2025. Total production in the retail mortgage division seasonally decreased $128.4 million, or 10.6%, to $1.09 billion in the first quarter of 2026, compared with $1.22 billion for the fourth quarter of 2025. The retail mortgage open pipeline was $632.7 million at the end of the first quarter of 2026, compared with $701.9 million for the fourth quarter of 2025. Gain on sale spreads decreased to 2.08% in the first quarter of 2026 from 2.20% for the fourth quarter of 2025. Other noninterest income increased $2.8 million, or 44.4%, in the first quarter of 2026 to $9.1 million, compared with $6.3 million for the fourth quarter of 2025. This increase is primarily due to a $1.1 million loss on the sale of mortgage servicing rights and a $910,000 servicing right impairment in the fourth quarter of 2025, both of which did not recur in the current quarter, and an $837,000 increase in gain on sale of SBA loans in the first quarter of 2026 compared with the fourth quarter of 2025.

Noninterest Expense

Noninterest expense increased $14.0 million, or 9.8%, to $157.1 million during the first quarter of 2026, compared with $143.1 million for the fourth quarter of 2025. The increase was primarily driven by cyclical increases in payroll tax and 401(k) expenses totaling $4.9 million, an increase in incentives of $4.3 million, an increase in advertising and marketing expenses of $1.3 million, an increase of $1.1 million in FDIC assessment expense and an increase in donations of $1.0 million. Management continues to deliver high performing operating efficiency, with an efficiency ratio of 49.97% in the first quarter of 2026, compared with 46.59% in the fourth quarter of 2025 and 52.83% in the first quarter of 2025.

Income Tax Expense

The Company's effective tax rate for the first quarter of 2026 was 21.5%, compared with 23.2% for the fourth quarter of 2025. The decreased rate resulted primarily from the excess benefit of share-based compensation awards that vested during the first quarter of 2026.

Balance Sheet Trends

Total assets at March 31, 2026 were $28.11 billion, compared with $27.52 billion at December 31, 2025. During the first quarter of 2026, loans, net of unearned income, increased by $314.5 million, or 5.9% annualized, compared with $21.51 billion at December 31, 2025. Unfunded commitments increased $298.7 million during the first quarter of 2026, due to strong production in construction and warehouse lending during the quarter. Loans held for sale decreased to $496.6 million at March 31, 2026 from $623.2 million at December 31, 2025. Debt securities available-for-sale amounted to $2.35 billion, compared with $2.21 billion at December 31, 2025.

At March 31, 2026, total deposits amounted to $22.64 billion, compared with $22.38 billion at December 31, 2025. During the first quarter of 2026, deposits grew $260.7 million, with noninterest-bearing accounts increasing $322.8 million, interest-bearing demand accounts increasing $168.1 million, brokered CDs increasing $143.9 million and savings accounts increasing $9.0 million. Such increases were offset by decreases in money market accounts of $330.5 million and retail CDs of $52.7 million. Noninterest-bearing accounts as a percentage of total deposits increased, such that at March 31, 2026, noninterest-bearing deposit accounts represented $6.75 billion, or 29.8% of total deposits, compared with $6.43 billion, or 28.7% of total deposits, at December 31, 2025.

Shareholders’ equity at March 31, 2026 totaled $4.08 billion, an increase of $6.1 million, or 0.1%, from December 31, 2025. The increase in shareholders’ equity was primarily the result of earnings of $110.5 million during the first quarter of 2026, largely offset by dividends declared, share repurchases and a decrease in accumulated other comprehensive income of $9.8 million resulting from changes in interest rates on the Company's investment portfolio. Tangible book value per share(1) increased $0.61 per share, or 5.6% annualized, during the first quarter of

2026 to $44.79 at March 31, 2026. Tangible common equity as a percentage of tangible assets was 11.15% at March 31, 2026, compared with 11.37% at the end of 2025. The Company repurchased 950,400 shares of its common stock in the quarter ending March 31, 2026.

Credit Quality

During the first quarter of 2026, the Company recorded a provision for credit losses of $16.6 million, compared with a provision of $23.0 million in the fourth quarter of 2025. The allowance for credit losses on loans was 1.62% of loans at March 31, 2026, unchanged from the end of 2025. Nonperforming assets as a percentage of total assets increased one basis point to 0.45% during the quarter. Approximately $34.5 million, or 27.0%, of the nonperforming assets at March 31, 2026 were GNMA-guaranteed mortgage loans, which present minimal loss exposure for the Company. Excluding these government-guaranteed loans, nonperforming assets as a percentage of total assets decreased two basis points to 0.33% at March 31, 2026, compared with 0.35% at the end of the fourth quarter of 2025. The net charge-off ratio was 21 basis points for the first quarter of 2026, compared with 26 basis points for the fourth quarter of 2025.

Conference Call

The Company will host a teleconference at 9:00 a.m. Eastern time on Friday, April 24, 2026, to discuss the Company's results and answer appropriate questions. The conference call can be accessed by dialing 1-844-481-2939. The conference call ID is Ameris Bancorp. A replay of the call will be available beginning one hour after the end of the conference call until May 1, 2026. To listen to the replay, dial 1-855-669-9658. The conference replay access code is 4888731. The financial information discussed will be available on the Investor Relations page of the Ameris Bank website at ir.amerisbank.com. Participants also may listen to a live webcast of the presentation by visiting the link on the Investor Relations page of the Ameris Bank website.

About Ameris Bancorp

Ameris Bancorp is the parent of Ameris Bank, a state-chartered bank headquartered in Atlanta, Georgia. Ameris operates financial centers in five southeastern states and also serves consumer and business customers nationwide through select lending channels. Ameris manages $28.1 billion in assets as of March 31, 2026, and provides a full range of traditional banking and lending products, treasury and cash management, insurance premium financing, and mortgage and refinancing services. Learn more about Ameris at www.amerisbank.com.

(1) Considered non-GAAP financial measure - See reconciliation of GAAP to non-GAAP financial measures in tables 9A - 9D.

This news release contains certain performance measures determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The Company’s management uses these non-GAAP financial measures in its analysis of the Company’s performance. These measures are useful when evaluating the underlying performance and efficiency of the Company’s operations and balance sheet. The Company’s management believes that these non-GAAP financial measures provide a greater understanding of ongoing operations, enhance comparability of results with prior periods and demonstrate the effects of significant gains and charges in the current period. The Company’s management believes that investors may use these non-GAAP financial measures to evaluate the Company’s financial performance without the impact of unusual items that may obscure trends in the Company’s underlying performance. These disclosures should not be viewed as a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP financial measures that may be presented by other companies.

This news release contains forward-looking statements, as defined by federal securities laws, including, among other forward-looking statements, certain plans, expectations and goals. Words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential” or the negative of these terms or other comparable terminology, as well as similar expressions, are meant to identify forward-looking statements. The forward-looking statements in this news release are based on management's opinions only as of the date hereof and are provided to assist in the understanding of potential future performance. Such forward-looking statements involve numerous assumptions, risks and uncertainties that may cause actual results to differ materially from those expressed or implied in any such statements, including, without limitation, the following: general competitive, economic, unemployment, political and market conditions and fluctuations, including real estate market conditions, and the effects of such conditions and fluctuations on the creditworthiness and payment behavior of borrowers, collateral values, asset recovery values and the value of investment securities; movements in interest rates and their impacts on net interest margin, investment security valuations and other performance measures; expectations on credit quality and performance; legislative and regulatory changes; changes in U.S. government trade, monetary and fiscal

policies, including tariffs; competitive pressures on product pricing and services; fraud, theft or other misconduct impacting our customers or operations; cybersecurity risks, including data breaches, malware, ransomware and account takeover; the success and timing of our business strategies and plans; our outlook and long-term goals for future growth; and natural disasters, geopolitical events, acts of war or terrorism or other hostilities, public health crises and other catastrophic events beyond our control. For a discussion of some of the other risks and other factors that may cause such forward-looking statements to differ materially from actual results, please refer to the Company’s filings with the Securities and Exchange Commission, including the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 and the Company's subsequently filed periodic reports and other filings. Forward-looking statements speak only as of the date they are made, and the Company undertakes no obligation to update or revise forward-looking statements except as required by law.

For more information, contact:

Brady Gailey

Executive Director of Corporate Development

(404) 240-1517

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Financial Highlights Table 1

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands except per share data) 2026 2025 2025 2025 2025

EARNINGS

Net income $ 110,492  $ 108,356  $ 106,029  $ 109,834  $ 87,935

Adjusted net income(1)

$ 110,492  $ 108,838  $ 104,040  $ 109,444  $ 88,012

COMMON SHARE DATA

Earnings per share available to common shareholders

Basic $ 1.64  $ 1.59  $ 1.55  $ 1.60  $ 1.28

Diluted $ 1.63  $ 1.59  $ 1.54  $ 1.60  $ 1.27

Adjusted diluted EPS(1)

$ 1.63  $ 1.59  $ 1.52  $ 1.59  $ 1.27

Cash dividends per share $ 0.20  $ 0.20  $ 0.20  $ 0.20  $ 0.20

Book value per share (period end) $ 60.64  $ 59.92  $ 58.56  $ 57.02  $ 55.49

Tangible book value per share (period end)(1)

$ 44.79  $ 44.18  $ 42.90  $ 41.32  $ 39.78

Weighted average number of shares

Basic 67,540,444  68,022,346  68,401,737  68,594,608  68,785,458

Diluted 67,766,997  68,328,365  68,665,669  68,796,577  69,030,331

Period end number of shares 67,320,298  68,022,316  68,587,742  68,711,043  68,910,924

Market data

High intraday price $ 87.98  $ 78.99  $ 76.58  $ 65.43  $ 68.85

Low intraday price $ 73.20  $ 68.80  $ 64.30  $ 48.27  $ 55.32

Period end closing price $ 77.99  $ 74.27  $ 73.31  $ 64.70  $ 57.57

Average daily volume 558,814  448,341  435,766  416,355  430,737

PERFORMANCE RATIOS

Return on average assets 1.62  % 1.57  % 1.56  % 1.65  % 1.36  %

Adjusted return on average assets(1)

1.62  % 1.58  % 1.53  % 1.64  % 1.36  %

Return on average common equity 10.91  % 10.63  % 10.61  % 11.40  % 9.39  %

Adjusted return on average tangible common equity(1)

14.75  % 14.53  % 14.29  % 15.76  % 13.15  %

Earning asset yield (TE) 5.57  % 5.61  % 5.66  % 5.64  % 5.61  %

Total cost of funds 1.88  % 1.95  % 2.05  % 2.06  % 2.06  %

Net interest margin (TE) 3.88  % 3.85  % 3.80  % 3.77  % 3.73  %

Efficiency ratio 49.97  % 46.59  % 49.19  % 51.63  % 52.83  %

Adjusted efficiency ratio(1)

49.97  % 46.68  % 49.62  % 51.74  % 52.79  %

CAPITAL ADEQUACY (period end)

Shareholders' equity to assets 14.52  % 14.81  % 14.82  % 14.68  % 14.42  %

Tangible common equity to tangible assets(1)

11.15  % 11.37  % 11.31  % 11.09  % 10.78  %

OTHER DATA (period end)

Full time equivalent employees

Banking Division 2,023  2,043  2,068  2,036  2,045

Retail Mortgage Division 528  538  546  550  577

Warehouse Lending Division 7  7  8  8  7

Premium Finance Division 84  85  78  78  81

Total Ameris Bancorp FTE headcount 2,642  2,673  2,700  2,672  2,710

Branch locations 163  163  164  164  164

Deposits per branch location $ 138,876  $ 137,276  $ 135,537  $ 133,736  $ 133,612

(1)Considered non-GAAP financial measure - See reconciliation of GAAP to non-GAAP financial measures in tables 9A - 9D

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Income Statement Table 2

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands except per share data) 2026 2025 2025 2025 2025

Interest income

Interest and fees on loans $ 317,883  $ 323,833  $ 321,457  $ 315,893  $ 304,168

Interest on taxable securities 25,474  24,886  23,253  20,696  18,492

Interest on nontaxable securities 374  422  343  334  329

Interest on deposits in other banks 8,040  8,922  9,993  10,715  10,789

Total interest income 351,771  358,063  355,046  347,638  333,778

Interest expense

Interest on deposits 96,227  105,314  106,851  106,796  105,215

Interest on other borrowings 11,108  7,442  10,231  9,029  6,724

Total interest expense 107,335  112,756  117,082  115,825  111,939

Net interest income 244,436  245,307  237,964  231,813  221,839

Provision for loan losses 17,895  16,601  11,176  3,110  16,519

Provision for unfunded commitments (1,338) 6,348  11,446  (335) 5,373

Provision for other credit losses (6) 1  8  (3) —

Provision for credit losses 16,551  22,950  22,630  2,772  21,892

Net interest income after provision for credit losses 227,885  222,357  215,334  229,041  199,947

Noninterest income

Service charges on deposit accounts 13,679  14,088  13,931  13,493  13,133

Mortgage banking activity 37,008  31,874  40,666  39,221  35,254

Other service charges, commissions and fees 1,027  1,102  1,124  1,158  1,109

Gain on securities —  12  1,581  —  40

Equipment finance activity 9,086  8,434  8,858  6,572  6,698

Other noninterest income 9,120  6,317  10,114  8,467  7,789

Total noninterest income 69,920  61,827  76,274  68,911  64,023

Noninterest expense

Salaries and employee benefits 91,366  81,997  90,948  89,308  86,615

Occupancy and equipment 11,625  11,321  11,524  11,401  10,677

Data processing and communications expenses 16,793  16,236  16,058  15,366  14,855

Credit resolution-related expenses(1)

509  953  770  657  765

Advertising and marketing 3,296  1,984  3,377  3,745  2,883

Amortization of intangible assets 3,393  3,879  3,879  4,076  4,103

Loan servicing expenses 7,380  7,267  8,142  7,897  7,823

Other noninterest expenses 22,718  19,453  19,868  22,810  23,313

Total noninterest expense 157,080  143,090  154,566  155,260  151,034

Income before income tax expense 140,725  141,094  137,042  142,692  112,936

Income tax expense 30,233  32,738  31,013  32,858  25,001

Net income $ 110,492  $ 108,356  $ 106,029  $ 109,834  $ 87,935

Diluted earnings per common share $ 1.63  $ 1.59  $ 1.54  $ 1.60  $ 1.27

(1) Includes expenses associated with problem loans and OREO, as well as OREO losses and writedowns.

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Period End Balance Sheet Table 3

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Assets

Cash and due from banks $ 235,114  $ 253,807  $ 216,927  $ 249,676  $ 253,289

Interest-bearing deposits in banks 1,094,185  835,113  826,237  920,594  1,039,111

Debt securities available-for-sale, at fair value 2,353,396  2,207,173  2,131,671  1,871,298  1,943,011

Debt securities held-to-maturity, at amortized cost 202,550  203,242  202,581  176,487  173,757

Other investments 100,718  85,443  70,644  69,910  65,630

Loans held for sale 496,629  623,152  604,136  544,091  545,388

Loans, net of unearned income 21,827,980  21,513,522  21,258,374  21,041,497  20,706,644

Allowance for credit losses (354,682) (348,141) (345,294) (341,567) (345,555)

Loans, net 21,473,298  21,165,381  20,913,080  20,699,930  20,361,089

Other real estate owned 3,091  2,918  3,137  1,825  863

Premises and equipment, net 216,397  213,097  211,567  211,434  207,895

Goodwill 1,015,646  1,015,646  1,015,646  1,015,646  1,015,646

Other intangible assets, net 51,430  54,824  58,703  62,582  66,658

Cash value of bank owned life insurance 424,164  420,583  417,096  414,381  410,890

Other assets 443,317  435,500  428,404  442,299  431,713

Total assets $ 28,109,935  $ 27,515,879  $ 27,099,829  $ 26,680,153  $ 26,514,940

Liabilities

Deposits

Noninterest-bearing $ 6,748,976  $ 6,426,145  $ 6,757,233  $ 6,800,519  $ 6,744,781

Interest-bearing 15,887,764  15,949,850  15,470,845  15,132,156  15,167,628

Total deposits 22,636,740  22,375,995  22,228,078  21,932,675  21,912,409

Other borrowings 887,974  558,039  337,094  376,700  276,744

Subordinated deferrable interest debentures 134,801  134,302  133,804  133,306  132,807

Other liabilities 368,293  371,515  384,152  319,794  369,178

Total liabilities 24,027,808  23,439,851  23,083,128  22,762,475  22,691,138

Shareholders' Equity

Preferred stock —  —  —  —  —

Common stock 73,252  72,898  72,900  72,897  72,885

Capital stock 1,973,881  1,971,131  1,968,124  1,964,896  1,961,732

Retained earnings 2,307,358  2,210,385  2,115,712  2,023,493  1,927,489

Accumulated other comprehensive income (loss), net of tax (1,476) 8,312  5,171  (6,886) (14,430)

Treasury stock (270,888) (186,698) (145,206) (136,722) (123,874)

Total shareholders' equity 4,082,127  4,076,028  4,016,701  3,917,678  3,823,802

Total liabilities and shareholders' equity $ 28,109,935  $ 27,515,879  $ 27,099,829  $ 26,680,153  $ 26,514,940

Other Data

Earning assets $ 26,075,458  $ 25,467,645  $ 25,093,643  $ 24,623,877  $ 24,473,541

Intangible assets 1,067,076  1,070,470  1,074,349  1,078,228  1,082,304

Interest-bearing liabilities 16,910,539  16,642,191  15,941,743  15,642,162  15,577,179

Average assets 27,672,313  27,394,953  26,972,134  26,757,322  26,229,423

Average common shareholders' equity 4,107,670  4,044,338  3,964,207  3,865,031  3,798,149

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Asset Quality Information Table 4

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Allowance for Credit Losses

Balance at beginning of period $ 401,558  $ 392,362  $ 377,181  $ 381,507  $ 368,663

Provision for loan losses 17,895  16,601  11,176  3,110  16,519

Provision for unfunded commitments (1,338) 6,348  11,446  (335) 5,373

Provision for other credit losses (6) 1  8  (3) —

Provision for credit losses 16,551  22,950  22,630  2,772  21,892

Charge-offs 17,527  19,575  13,631  14,227  15,383

Recoveries 6,173  5,821  6,182  7,129  6,335

Net charge-offs (recoveries) 11,354  13,754  7,449  7,098  9,048

Ending balance $ 406,755  $ 401,558  $ 392,362  $ 377,181  $ 381,507

Allowance for loan losses $ 354,682  $ 348,141  $ 345,294  $ 341,567  $ 345,555

Allowance for unfunded commitments 52,004  53,342  46,994  35,548  35,883

Allowance for other credit losses 69  75  74  66  69

Total allowance for credit losses $ 406,755  $ 401,558  $ 392,362  $ 377,181  $ 381,507

Non-Performing Assets

Nonaccrual portfolio loans $ 81,969  $ 84,711  $ 77,257  $ 75,286  $ 86,229

Other real estate owned 3,091  2,918  3,137  1,825  863

Repossessed assets 4  4  3  2  —

Accruing loans delinquent 90 days or more 8,230  8,492  9,325  8,415  14,930

Non-performing portfolio assets $ 93,294  $ 96,125  $ 89,722  $ 85,528  $ 102,022

Serviced GNMA-guaranteed mortgage nonaccrual loans 34,489  24,347  19,706  11,733  13,441

Total non-performing assets $ 127,783  $ 120,472  $ 109,428  $ 97,261  $ 115,463

Asset Quality Ratios

Non-performing portfolio assets as a percent of total assets 0.33  % 0.35  % 0.33  % 0.32  % 0.38  %

Total non-performing assets as a percent of total assets 0.45  % 0.44  % 0.40  % 0.36  % 0.44  %

Net charge-offs as a percent of average loans (annualized) 0.21  % 0.26  % 0.14  % 0.14  % 0.18  %

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Loan Information Table 5

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Loans by Type

Commercial and industrial $ 3,400,837  $ 3,288,505  $ 3,299,269  $ 3,184,211  $ 3,075,971

Consumer 166,652  180,010  202,688  209,990  213,902

Mortgage warehouse 1,232,103  1,150,782  1,083,941  1,092,475  891,412

Municipal 420,775  434,234  437,823  436,759  429,227

Premium Finance 1,365,018  1,306,267  1,358,259  1,294,293  1,176,309

Real estate - construction and development 1,564,242  1,469,250  1,411,178  1,485,842  1,842,431

Real estate - commercial and farmland 9,364,885  9,311,405  9,054,927  8,877,750  8,574,626

Real estate - residential 4,313,468  4,373,069  4,410,289  4,460,177  4,502,766

Total loans $ 21,827,980  $ 21,513,522  $ 21,258,374  $ 21,041,497  $ 20,706,644

Loans by Risk Grade

Pass $ 21,598,675  $ 21,305,745  $ 21,058,458  $ 20,820,888  $ 20,468,496

Other assets especially mentioned 49,359  39,709  37,236  66,677  73,783

Substandard 179,946  168,068  162,680  153,932  164,365

Total loans $ 21,827,980  $ 21,513,522  $ 21,258,374  $ 21,041,497  $ 20,706,644

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Average Balances Table 6

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Earning Assets

Interest-bearing deposits in banks $ 879,724  $ 884,149  $ 883,976  $ 951,851  $ 980,164

Debt securities - taxable 2,532,669  2,432,934  2,282,470  2,117,596  1,998,226

Debt securities - nontaxable 45,241  45,237  44,823  41,299  41,391

Loans held for sale 616,530  758,588  706,679  730,770  565,531

Loans 21,590,793  21,278,859  21,038,350  20,928,825  20,620,777

Total Earning Assets $ 25,664,957  $ 25,399,767  $ 24,956,298  $ 24,770,341  $ 24,206,089

Deposits

Noninterest-bearing deposits $ 6,547,843  $ 6,668,120  $ 6,849,129  $ 6,766,557  $ 6,522,784

NOW accounts 4,195,369  4,052,397  3,900,999  3,939,802  3,988,458

MMDA 7,189,981  7,347,897  6,977,134  6,918,382  6,911,554

Savings accounts 760,258  754,439  756,383  766,331  767,148

Retail CDs 2,268,935  2,325,456  2,344,084  2,393,402  2,436,974

Brokered CDs 1,221,181  1,249,020  1,070,735  1,145,043  962,768

Total Deposits 22,183,567  22,397,329  21,898,464  21,929,517  21,589,686

Non-Deposit Funding

Federal funds purchased and securities sold under agreements to repurchase 1  —  1  —  —

FHLB advances 871,128  423,669  443,243  326,054  149,537

Other borrowings 9,899  9,920  169,994  193,492  193,494

Subordinated deferrable interest debentures 134,537  134,041  133,541  133,043  132,544

Total Non-Deposit Funding 1,015,565  567,630  746,779  652,589  475,575

Total Funding $ 23,199,132  $ 22,964,959  $ 22,645,243  $ 22,582,106  $ 22,065,261

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Interest Income and Interest Expense (TE) Table 7

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Interest Income

Interest-bearing deposits in banks $ 8,040  $ 8,922  $ 9,993  $ 10,715  $ 10,789

Debt securities - taxable 25,474  24,886  23,253  20,696  18,492

Debt securities - nontaxable (TE) 473  535  434  423  416

Loans held for sale 9,000  11,233  11,237  11,578  9,045

Loans (TE) 309,732  313,467  311,082  305,154  295,964

Total Earning Assets $ 352,719  $ 359,043  $ 355,999  $ 348,566  $ 334,706

Interest Expense

Interest-Bearing Deposits

NOW accounts $ 18,106  $ 18,508  $ 18,230  $ 18,144  $ 18,306

MMDA 46,737  52,455  54,657  53,469  52,261

Savings accounts 679  734  813  826  830

Retail CDs 18,958  20,567  21,253  21,852  23,245

Brokered CDs 11,747  13,050  11,898  12,505  10,573

Total Interest-Bearing Deposits 96,227  105,314  106,851  106,796  105,215

Non-Deposit Funding

FHLB advances 8,179  4,347  4,863  3,508  1,362

Other borrowings 159  169  2,328  2,499  2,350

Subordinated deferrable interest debentures 2,770  2,926  3,040  3,022  3,012

Total Non-Deposit Funding 11,108  7,442  10,231  9,029  6,724

Total Interest-Bearing Funding $ 107,335  $ 112,756  $ 117,082  $ 115,825  $ 111,939

Net Interest Income (TE) $ 245,384  $ 246,287  $ 238,917  $ 232,741  $ 222,767

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Yields(1)

Table 8

Three Months Ended

Mar Dec Sep Jun Mar

2026 2025 2025 2025 2025

Earning Assets

Interest-bearing deposits in banks 3.71  % 4.00  % 4.48  % 4.52  % 4.46  %

Debt securities - taxable 4.08  % 4.06  % 4.04  % 3.92  % 3.75  %

Debt securities - nontaxable (TE) 4.24  % 4.69  % 3.84  % 4.11  % 4.08  %

Loans held for sale 5.92  % 5.87  % 6.31  % 6.35  % 6.49  %

Loans (TE) 5.82  % 5.84  % 5.87  % 5.85  % 5.82  %

Total Earning Assets 5.57  % 5.61  % 5.66  % 5.64  % 5.61  %

Interest-Bearing Deposits

NOW accounts 1.75  % 1.81  % 1.85  % 1.85  % 1.86  %

MMDA 2.64  % 2.83  % 3.11  % 3.10  % 3.07  %

Savings accounts 0.36  % 0.39  % 0.43  % 0.43  % 0.44  %

Retail CDs 3.39  % 3.51  % 3.60  % 3.66  % 3.87  %

Brokered CDs 3.90  % 4.15  % 4.41  % 4.38  % 4.45  %

Total Interest-Bearing Deposits 2.50  % 2.66  % 2.82  % 2.83  % 2.83  %

Non-Deposit Funding

Federal funds purchased and securities sold under agreements to repurchase —  % —  % —  % —  % —  %

FHLB advances 3.81  % 4.07  % 4.35  % 4.32  % 3.69  %

Other borrowings 6.51  % 6.76  % 5.43  % 5.18  % 4.93  %

Subordinated deferrable interest debentures 8.35  % 8.66  % 9.03  % 9.11  % 9.22  %

Total Non-Deposit Funding 4.44  % 5.20  % 5.44  % 5.55  % 5.73  %

Total Interest-Bearing Liabilities

2.61  % 2.74  % 2.94  % 2.94  % 2.92  %

Net Interest Spread 2.96  % 2.87  % 2.72  % 2.70  % 2.69  %

Net Interest Margin(2)

3.88  % 3.85  % 3.80  % 3.77  % 3.73  %

Total Cost of Funds(3)

1.88  % 1.95  % 2.05  % 2.06  % 2.06  %

(1) Interest and average rates are calculated on a tax-equivalent basis using an effective tax rate of 21%.

(2) Rate calculated based on average earning assets.

(3) Rate calculated based on total average funding including noninterest-bearing deposits.

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Non-GAAP Reconciliations

Adjusted Net Income Table 9A

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands except per share data) 2026 2025 2025 2025 2025

Net income available to common shareholders $ 110,492  $ 108,356  $ 106,029  $ 109,834  $ 87,935

Adjustment items:

Loss (gain) on sale of MSR —  1,127  (125) (356) 14

Gain on securities —  (12) (1,581) —  (40)

Servicing right impairment (recovery) —  910  —  —  —

Gain on BOLI proceeds —  (220) (390) —  (11)

FDIC special assessment —  (1,136) (318) (138) 138

Tax effect of adjustment items (Note 1)

—  (187) 425  104  (24)

After tax adjustment items —  482  (1,989) (390) 77

Adjusted net income $ 110,492  $ 108,838  $ 104,040  $ 109,444  $ 88,012

Weighted average number of shares - diluted 67,766,997  68,328,365  68,665,669  68,796,577  69,030,331

Net income per diluted share $ 1.63  $ 1.59  $ 1.54  $ 1.60  $ 1.27

Adjusted net income per diluted share $ 1.63  $ 1.59  $ 1.52  $ 1.59  $ 1.27

Average assets $ 27,672,313  $ 27,394,953  $ 26,972,134  $ 26,757,322  $ 26,229,423

Return on average assets 1.62  % 1.57  % 1.56  % 1.65  % 1.36  %

Adjusted return on average assets 1.62  % 1.58  % 1.53  % 1.64  % 1.36  %

Average common equity $ 4,107,670  $ 4,044,338  $ 3,964,207  $ 3,865,031  $ 3,798,149

Average tangible common equity $ 3,039,019  $ 2,971,985  $ 2,887,961  $ 2,784,819  $ 2,713,847

Return on average common equity 10.91  % 10.63  % 10.61  % 11.40  % 9.39  %

Return on average tangible common equity 14.75  % 14.46  % 14.57  % 15.82  % 13.14  %

Adjusted return on average tangible common equity 14.75  % 14.53  % 14.29  % 15.76  % 13.15  %

Note 1: Tax effect is calculated utilizing a 21% rate for taxable adjustments. Gain on BOLI proceeds is non-taxable and no tax effect is included.

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Non-GAAP Reconciliations (continued)

Adjusted Efficiency Ratio Table 9B

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Adjusted Noninterest Expense

Total noninterest expense $ 157,080  $ 143,090  $ 154,566  $ 155,260  $ 151,034

Adjustment items:

FDIC special assessment —  1,136  318  138  (138)

Adjusted noninterest expense $ 157,080  $ 144,226  $ 154,884  $ 155,398  $ 150,896

Adjusted Total Revenue

Net interest income $ 244,436  $ 245,307  $ 237,964  $ 231,813  $ 221,839

Noninterest income 69,920  61,827  76,274  68,911  64,023

Total revenue 314,356  307,134  314,238  300,724  285,862

Adjustment items:

Gain on securities —  (12) (1,581) —  (40)

(Gain)/loss on sale of MSR —  1,127  (125) (356) 14

Gain on BOLI proceeds —  (220) (390) —  (11)

Servicing right impairment (recovery) —  910  —  —  —

Adjusted total revenue $ 314,356  $ 308,939  $ 312,142  $ 300,368  $ 285,825

Efficiency ratio 49.97  % 46.59  % 49.19  % 51.63  % 52.83  %

Adjusted efficiency ratio 49.97  % 46.68  % 49.62  % 51.74  % 52.79  %

Tangible Book Value Per Share Table 9C

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands except per share data) 2026 2025 2025 2025 2025

Total shareholders' equity $ 4,082,127  $ 4,076,028  $ 4,016,701  $ 3,917,678  $ 3,823,802

Less:

Goodwill 1,015,646  1,015,646  1,015,646  1,015,646  1,015,646

Other intangibles, net 51,430  54,824  58,703  62,582  66,658

Total tangible shareholders' equity $ 3,015,051  $ 3,005,558  $ 2,942,352  $ 2,839,450  $ 2,741,498

Period end number of shares 67,320,298  68,022,316  68,587,742  68,711,043  68,910,924

Book value per share (period end) $ 60.64  $ 59.92  $ 58.56  $ 57.02  $ 55.49

Tangible book value per share (period end) $ 44.79  $ 44.18  $ 42.90  $ 41.32  $ 39.78

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Non-GAAP Reconciliations (continued)

Tangible Common Equity to Tangible Assets ("TCE Ratio") Table 9D

Mar Dec Sep Jun Mar

(dollars in thousands except per share data) 2026 2025 2025 2025 2025

Total shareholders' equity $ 4,082,127 $ 4,076,028 $ 4,016,701 $ 3,917,678 $ 3,823,802

Less:

Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646

Other intangibles, net 51,430 54,824 58,703 62,582 66,658

Total tangible shareholders' equity $ 3,015,051 $ 3,005,558 $ 2,942,352 $ 2,839,450 $ 2,741,498

Total assets $ 28,109,935 $ 27,515,879 $ 27,099,829 $ 26,680,153 $ 26,514,940

Less:

Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646

Other intangibles, net 51,430 54,824 58,703 62,582 66,658

Total tangible assets $ 27,042,859 $ 26,445,409 $ 26,025,480 $ 25,601,925 $ 25,432,636

Equity to Assets 14.52  % 14.81  % 14.82  % 14.68  % 14.42  %

Tangible Common Equity to Tangible Assets 11.15  % 11.37  % 11.31  % 11.09  % 10.78  %

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Segment Reporting Table 10

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Retail Mortgage Division

Net interest income $ 16,828  $ 19,312  $ 20,179  $ 22,031  $ 21,844

Provision for credit losses 3,074  (3,142) 529  1,010  5,191

Noninterest income 36,316  30,056  40,081  37,726  34,729

Noninterest expense

Salaries and employee benefits 21,912  21,413  21,589  24,358  20,995

Occupancy and equipment expenses 649  754  760  811  829

Data processing and telecommunications expenses 1,224  1,315  1,232  1,391  1,297

Other noninterest expenses 12,532  11,547  12,480  12,496  11,963

Total noninterest expense 36,317  35,029  36,061  39,056  35,084

Income before income tax expense 13,753  17,481  23,670  19,691  16,298

Income tax expense 2,888  3,671  4,970  4,135  3,423

Net income $ 10,865  $ 13,810  $ 18,700  $ 15,556  $ 12,875

Warehouse Lending Division

Net interest income $ 7,594  $ 7,430  $ 7,474  $ 7,091  $ 5,902

Provision for credit losses 177  129  23  369  (175)

Noninterest income 796  736  756  1,893  554

Noninterest expense

Salaries and employee benefits 544  556  566  618  552

Occupancy and equipment expenses 8  7  7  7  7

Data processing and telecommunications expenses 35  54  57  59  38

Other noninterest expenses 179  195  195  96  270

Total noninterest expense 766  812  825  780  867

Income before income tax expense 7,447  7,225  7,382  7,835  5,764

Income tax expense 1,564  1,517  1,550  1,646  1,210

Net income $ 5,883  $ 5,708  $ 5,832  $ 6,189  $ 4,554

Premium Finance Division

Net interest income $ 11,647  $ 11,802  $ 12,251  $ 11,190  $ 9,880

Provision for credit losses 1,447  926  461  716  456

Noninterest income 17  17  18  17  16

Noninterest expense

Salaries and employee benefits 2,664  2,446  2,492  2,331  2,352

Occupancy and equipment expenses 38  37  39  36  37

Data processing and telecommunications expenses 186  106  101  91  129

Other noninterest expenses 687  1,240  1,075  1,115  969

Total noninterest expense 3,575  3,829  3,707  3,573  3,487

Income before income tax expense 6,642  7,064  8,101  6,918  5,953

Income tax expense 1,384  1,450  1,669  1,410  1,214

Net income $ 5,258  $ 5,614  $ 6,432  $ 5,508  $ 4,739

AMERIS BANCORP AND SUBSIDIARIES

FINANCIAL TABLES

Segment Reporting (continued) Table 10

Three Months Ended

Mar Dec Sep Jun Mar

(dollars in thousands) 2026 2025 2025 2025 2025

Banking Division

Net interest income $ 208,367  $ 206,763  $ 198,060  $ 191,501  $ 184,213

Provision for credit losses 11,853  25,037  21,617  677  16,420

Noninterest income 32,791  31,018  35,419  29,275  28,724

Noninterest expense

Salaries and employee benefits 66,246  57,582  66,301  62,001  62,716

Occupancy and equipment expenses 10,930  10,523  10,718  10,547  9,804

Data processing and telecommunications expenses 15,348  14,761  14,668  13,825  13,391

Other noninterest expenses 23,898  20,554  22,286  25,478  25,685

Total noninterest expense 116,422  103,420  113,973  111,851  111,596

Income before income tax expense 112,883  109,324  97,889  108,248  84,921

Income tax expense 24,397  26,100  22,824  25,667  19,154

Net income $ 88,486  $ 83,224  $ 75,065  $ 82,581  $ 65,767

Total Consolidated

Net interest income $ 244,436  $ 245,307  $ 237,964  $ 231,813  $ 221,839

Provision for credit losses 16,551  22,950  22,630  2,772  21,892

Noninterest income 69,920  61,827  76,274  68,911  64,023

Noninterest expense

Salaries and employee benefits 91,366  81,997  90,948  89,308  86,615

Occupancy and equipment expenses 11,625  11,321  11,524  11,401  10,677

Data processing and telecommunications expenses 16,793  16,236  16,058  15,366  14,855

Other noninterest expenses 37,296  33,536  36,036  39,185  38,887

Total noninterest expense 157,080  143,090  154,566  155,260  151,034

Income before income tax expense 140,725  141,094  137,042  142,692  112,936

Income tax expense 30,233  32,738  31,013  32,858  25,001

Net income $ 110,492  $ 108,356  $ 106,029  $ 109,834  $ 87,935

EX-99.2

EX-99.2

Filename: a1q26earningspresentatio.htm · Sequence: 3

a1q26earningspresentatio

1st Quarter 2026 Results Investor Presentation

Cautionary Statements 1 This presentation contains forward-looking statements, as defined by federal securities laws, including, among other forward- looking statements, certain plans, expectations and goals. Words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential” or the negative of these terms or other comparable terminology, as well as similar expressions, are meant to identify forward-looking statements. The forward-looking statements in this presentation are based on management’s opinions only as of the date hereof and are provided to assist in the understanding of potential future performance. Such forward-looking statements involve numerous assumptions, risks and uncertainties that may cause actual results to differ materially from those expressed or implied in any such statements, including, without limitation, the following: general competitive, economic, unemployment, political and market conditions and fluctuations, including real estate market conditions, and the effects of such conditions and fluctuations on the creditworthiness and payment behaviors of borrowers, collateral values, asset recovery values and the value of investment securities; movements in interest rates and their impacts on net interest margin, investment security valuations and other performance measures; expectations and assumptions regarding credit quality and performance; legislative and regulatory changes; changes in U.S. government trade, monetary and fiscal policies, including tariffs; competitive pressures on product pricing and services; fraud, theft or other misconduct impacting our customers or operations; cybersecurity risks, including data breaches, malware, ransomware and account takeovers; the success and timing of our business strategies and plans; our outlook and long-term goals for future growth; and natural disasters, geopolitical events, acts of war or terrorism or other hostilities, public health crises and other catastrophic events beyond our control. For a discussion of some of the other risks and other factors that may cause such forward-looking statements to differ materially from actual results, please refer to the Company’s filings with the Securities and Exchange Commission, including the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, and the Company’s subsequently filed periodic reports and other filings. Forward-looking statements speak only as of the date they are made, and, except as required by law, the Company undertakes no obligation to update or revise forward-looking statements except as required by law.

Ameris Profile Investment Rationale • Top of peer financial results with culture of discipline – credit, liquidity, expense control, capital • Diversified and granular loan portfolio among geographies and product lines • Stable deposit base with 29.8% noninterest-bearing deposits • Experienced executive team with skills and leadership to continue to grow organically • Focus on shareholder value with 12% annualized tangible book value growth over the last five years Strong History of Earnings 2 Growth Focused $24.5 $24.6 $25.1 $25.5 $26.1 $39.78 $41.32 $42.90 $44.18 $44.79 $23.0 $23.5 $24.0 $24.5 $25.0 $25.5 $26.0 $26.5 $38.00 $40.00 $42.00 $44.00 $46.00 $48.00 1Q25 2Q25 3Q25 4Q25 1Q26 Earning Assets (Billions) Tangible Book Value per Share $1.27 $1.60 $1.54 $1.59 $1.63 1.36% 1.65% 1.56% 1.57% 1.62% 1.00% 1.20% 1.40% 1.60% 1.80% 2.00% $- $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $1.80 1Q25 2Q25 3Q25 4Q25 1Q26 Diluted EPS ROA

Southeast Scarcity Value 3 1 – Census data obtained from S&P Global Market Intelligence 2 – Historical and projected population change from S&P Capital and Claritas Grey areas represent MSAs in the top 25% of projected population growth where Ameris has branches. (2) Top Southeast Market Share • Scarcity value in strong Southeast markets projected to grow faster than the national average(1) • #1 deposit market share in Atlanta for banks under $50 billion in assets • #2 deposit market share in Jacksonville for banks under $50 billion in assets • #1 deposit market share in Savannah for banks under $50 billion in assets • Increasing deposit market share by 1% in Atlanta, Jacksonville and Savannah (our top three markets) would be $3.7 billion of additional deposits Population Growth in Our Markets Outpaces National Average Deposit market share according to the FDIC's Summary of Deposits as of June 30, 2025.

50.0% Efficiency Ratio 1.9x National Growth Markets(3) 1.62% Allowance for Credit Losses 13.0% CET1 Ratio(2) 12% 5-yr TBV(1) CAGR 14.7% ROTCE(1) 22% Fees to Revenue Disciplined and Focused Mgmt Team 11.2% TCE/TA Ratio(1) 29.8% NIB Deposits 3.88% Net Interest Margin 1.62% ROA 1 – Considered Non-GAAP measures – See reconciliation of GAAP to Non-GAAP measures in Appendix 2 – Regulatory capital ratios are estimated for most recent period end 3 – Ameris Southeast Markets projected to grow approximately 1.9x the national average over the next five years per census data obtained from S&P Global Market Intelligence4 Why Ameris? Leading Industry Performance

25.27 26.45 27.46 26.26 26.84 27.89 28.62 29.92 30.79 31.42 32.38 33.64 34.52 35.79 37.51 38.59 39.78 41.32 42.90 44.18 44.79 $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 $35.00 $40.00 $45.00 1Q21 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Tangible Book Value/Share Delivering Shareholder Value Tangible Book Value Growth 5 • Management remains laser focused on growing shareholder value • Over the past five years, TBV(1) has grown by 12% annualized • TBV grew 5.6% annualized in the first quarter of 2026 (or 10.0% annualized excluding impact from share repurchases) • TBV(1) increased $0.61 per share in 1Q26: • $1.43 from retained earnings • ($0.48) from share repurchases • ($0.14) from impact of AOCI • ($0.20) from all other 1 – Considered Non-GAAP measures – See reconciliation of GAAP to Non-GAAP measures in Appendix

1 – 1Q26 growth percentages are compared to prior year period; net charge offs are annualized 2 – Considered Non-GAAP measures – See reconciliation of GAAP to Non-GAAP measures in Appendix 3 – Regulatory capital ratios are estimated for most recent period end 6 History of Consistent Performance 5 Year Performance Metrics 2021-2025 (5 Year) 2021 2022 2023 2024 2025 Average 1Q26 (1) ROA 1.73% 1.47% 1.06% 1.38% 1.54% 1.43% 1.62% ROTCE(2) 20.6% 17.8% 12.2% 14.4% 14.5% 15.9% 14.7% Net Interest Margin 3.32% 3.76% 3.61% 3.56% 3.79% 3.61% 3.88% Net Interest Income Growth 2.8% 22.2% 4.2% 1.7% 10.3% 8.3% 10.2% Efficiency Ratio 54.9% 51.7% 53.7% 53.2% 50.0% 52.7% 50.0% Fees/Revenue 35.8% 26.2% 22.5% 25.7% 22.4% 26.5% 22.2% NIB Deposits/Total Deposits 39.5% 40.7% 31.3% 29.9% 28.7% 34.1% 29.8% CET1 Ratio(3) 10.5% 9.9% 11.2% 12.7% 13.2% 11.5% 13.0% TCE Ratio(2) 8.0% 8.7% 9.6% 10.6% 11.4% 9.7% 11.2% CRE Concentration 291% 292% 282% 268% 262% 279% 265% Allowance for Credit Losses/Total Loans 1.06% 1.04% 1.52% 1.63% 1.62% 1.37% 1.62% Net Charge Offs/Total Loans 0.04% 0.08% 0.25% 0.19% 0.18% 0.15% 0.21%

1Q 2026 Operating Highlights 7 • Net income of $110.5 million, or $1.63 per diluted share • Return on average assets ("ROA") of 1.62% • Return on average tangible common equity(1) of 14.75% • Revenue growth of 9.5% annualized in the first quarter • Net interest margin (TE) expansion of 3bps to 3.88% for the first quarter of 2026 • Growth in earning assets of $607.8 million, or 9.7% annualized • Loan growth of $314.5 million, or 5.9% annualized • Deposit growth of $260.7 million, or 4.7% annualized • Efficiency ratio of 49.97%, an improvement from 52.83% for the first quarter of 2025 • Noninterest-bearing deposit mix improved to 29.8% of total deposits • Tangible book value(1) growth of $0.61 per share, or 5.6% annualized, to $44.79 • Share repurchases totaled $74.9 million (950,400 shares at an average price of $78.76 per share) 1 – Considered Non-GAAP measures – See reconciliation of GAAP to Non-GAAP measures in Appendix

Financial Highlights 8 1 – Considered Non-GAAP measures – See reconciliation of GAAP to Non-GAAP measures in Appendix (dollars in thousands, except per share data) 1Q26 4Q25 Change 1Q25 Change Net Income $110,492 $108,356 2% $ 87,935 26% Adjusted Net Income(1) $110,492 $108,848 2% $ 88,044 25% Net Income Per Diluted Share $ 1.63 $ 1.59 3% $ 1.27 28% Adjusted Net Income Per Share(1) $ 1.63 $ 1.59 3% $ 1.28 27% Return on Assets 1.62% 1.57% 3% 1.36% 19% Adjusted Return on Assets(1) 1.62% 1.58% 3% 1.36% 19% Return on Equity 10.91% 10.63% 3% 9.39% 16% Return on TCE(1) 14.75% 14.46% 2% 13.14% 12% Adjusted Return on TCE(1) 14.75% 14.53% 1% 13.16% 12% Efficiency Ratio 49.97% 46.59% 7% 52.83% -5% Adjusted Efficiency Ratio(1) 49.82% 46.54% 7% 52.62% -5% Net Interest Margin 3.88% 3.85% 1% 3.73% 4% Quarter to Date Results

Strong Net Interest Margin 9 • Net interest margin improved 3 bps to 3.88% in the first quarter of 2026 • Average earning assets increased 4.2% annualized • Net interest income (TE) down $903,000 in 1Q26 due to lower day count in the quarter • Interest income (TE) decreased $6.3 million • Interest expense decreased $5.4 million Spread Income and Margin Interest Rate Sensitivity • Asset sensitivity continues near neutrality in preparation for further potential FOMC rate changes: • -1.2% asset sensitivity in -100bps • -0.7% asset sensitivity in -50bps • +0.8% asset sensitivity in +50bps • +1.6% asset sensitivity in +100bps • Approximately $12.8 billion of total loans reprice within one year through either maturities or floating rate indices $222.8 $232.7 $238.9 $246.3 $245.4 3.73% 3.77% 3.80% 3.85% 3.88% 3.60% 3.65% 3.70% 3.75% 3.80% 3.85% 3.90% 3.95% 4.00% $200.0 $210.0 $220.0 $230.0 $240.0 $250.0 1Q25 2Q25 3Q25 4Q25 1Q26 Net Interest Income (TE) (in millions) NIM -0.03% 0.06% 3.85% 3.88% 3.75% 3.80% 3.85% 3.90% 4Q25 Margin Asset Yields Improvement in Funding Costs 1Q26 Margin 1Q26 Margin Attribution

Diversified Revenue Stream 10 • Strong revenue base of net interest income from core banking division and lines of business • Additional noninterest revenue provided by our diversified lines of business Noninterest Income • Noninterest income increased $8.1 million in the first quarter • Mortgage revenue increased $5.1 million • SBA gain on sale and servicing revenue increased $1.8 million • Equipment finance increased $652,000 • All Other Noninterest Income includes: • Service charges on deposit accounts • Fee income from equipment finance • Gain on sale of SBA loans • BOLI income Strong Revenue Stream 78% 77% 76% 80% 78% 12% 13% 13% 10% 12% 10% 10% 11% 10% 10% $286.8 $301.7 $315.2 $308.1 $315.3 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 1Q25 2Q25 3Q25 4Q25 1Q26 Revenue Sources (Tax-Equivalent) (in millions) Net Interest Income (TE) Mortgage Banking Activity All Other Noninterest Income Service Charges on Deposit Accounts 41% Equipment Finance Activity 28% BOLI Income 11% Other 20% All Other Noninterest Income

Disciplined Expense Control Noninterest Expense and Efficiency Ratio Expense Highlights 11 • Management continues to deliver high performing operating efficiency • Positive operating leverage allowed revenue to increase $28.5 million, or 10.0%, while expenses only increased $6.0 million, or 4.0%, when compared with 1Q25 • Efficiency ratio of 49.97% in 1Q26 • Improvement compared with 52.83% in 1Q25 and 55.64% in 1Q24 • Total expenses increased $14.0 million in 1Q26 compared with 4Q25: • Salaries and benefits increased $9.4 million • Payroll taxes and 401(k) increased $4.9 million • Incentives increased $4.3 million • Advertising and marketing increased $1.3 million • FDIC insurance expense increased $1.1 million • Donations increased $1.0 million $111.6 $111.9 $114.0 $103.4 $116.4 $39.4 $43.4 $40.6 $39.7 $40.7 20.0 40.0 60.0 80.0 100.0 120.0 140.0 160.0 180.0 1Q25 2Q25 3Q25 4Q25 1Q26 Noninterest Expenses (in millions) Banking LOBs 55.64% 51.68% 53.49% 52.26% 52.83% 51.63% 49.19% 46.59% 49.97% 40.00% 45.00% 50.00% 55.00% 60.00% 65.00% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Efficiency Ratio

Granular Core Deposit Base 12 Deposits by Product Type • Total deposits increased $260.7 million, or 4.7% annualized, during 1Q26 • Non-brokered, non-public fund deposits increased $546.8 million • Seasonal outflows of public funds totaled $430.0 million • Brokered CDs increased $143.9 million, and represent only 5.9% of total deposits • Noninterest-bearing deposits increased $322.8 million, improving our NIB to total deposit ratio to 29.8% • Granular deposit base with $46,193 average account size over 490,000 accounts 1Q26 Highlights Deposits by Customer Consumer 34% Commercial 44% Public 16% Brokered 6% 1Q26  Deposit Type   Balance (in 000s)  % of Total Count Average per account NIB 6,748,976$         29.8% 315,481  21,393$        NOW 4,298,214           19.0% 41,365    103,909        Checking (NIB/NOW) 11,047,190         48.8% 356,846  30,958          MMDA 7,231,037           31.9% 33,223    217,652        Savings 767,928               3.4% 62,371    12,312          CD 3,590,585           15.9% 37,605    95,482          Total 22,636,740$      100% 490,045  46,193$

Capital Strength 13 • TCE ratio of 11.2% and CET1 ratio of 13.0% are strong and above peer levels • Minimal impact from unrealized gains/losses, as the AFS bond portfolio has unrealized gains of $1.1 million • Earnings expected to add between 25 - 35 basis points to capital each quarter assuming flat balance sheet • As of March 31, 2026, capital components included only common equity and approximately $134.8 million of trust preferred debt • Board authorized $200 million share repurchase program in October 2025, of which $84.3 million remains as of March 31, 2026 • Repurchased $74.9 million of common shares during 1Q26 compared with $77.1 million for the full year 2025 • Repurchases represented approximately 1.4% of shares outstanding in 1Q26 and 1.7% for full year 2025. Capital ratios are estimated for most recent period end Strong Capital Base 11.0% 11.1% 11.4% 11.4% 11.4% 12.9% 13.0% 13.2% 13.2% 13.0% 15.6% 15.4% 15.1% 15.0% 14.8% 1Q25 2Q25 3Q25 4Q25 1Q26 Leverage Ratio CET1/Tier 1 Capital Ratio Total Capital Ratio Capital Highlights

Loan Diversification and Credit Quality

Agriculture 1% C&I 27% Municipal 2% Consumer 1% Investor CRE 24% OO CRE 8% Construction 7% Multi-Family 10% HELOC 2% SFR Mortgage 18% $21.8 Billion Diversified Loan Portfolio 1Q26 Loan Portfolio 15 • Loan portfolio is well diversified across loan types and geographies and managed by a seasoned credit staff • Asset quality metrics remain stable • CRE and C&D concentrations were 265% and 46%, respectively, compared with 262% and 43%, respectively, at 4Q25 • Allowance for Credit Losses (ACL) on loans is 1.62% of total loans • Limited exposure to non-mortgage consumer loans and HELOCs • Exposure to non-mortgage NDFI is less than 1% of loans and all loans are current and pass graded Portfolio Highlights

Loan Balance Changes 1Q26 Loan Balance Changes 16 • Loan balances increased $314 million, or 5.9% annualized, during 1Q26 • 1Q26 production remained strong at $2.2 billion, building upon the seasonally strong $2.4 billion in 4Q25 • Represents a 45% increase from $1.5 billion in 1Q25 • C&I growth was spread among premium finance, mortgage warehouse, traditional C&I, and equipment finance reflecting the diversification in our C&I portfolio (in millions) Growth Highlights $249 $95 $28 $16 $13 $(27) $(60) $(100) $(50) $- $50 $100 $150 $200 $250 $300 C&I Construction Multi-Family OO CRE Investor CRE Other RE - RES

Allowance for Credit Losses 17 • The ACL on loans totaled $354.7 million, or 1.62%, at 1Q26 • During 1Q26, the Company recorded provision expense of $16.6 million • The March economic forecasts used in the ACL model weighted the baseline scenario at 40% and S2 adverse scenario at 60% 1Q26 CECL Reserve Reserve Summary (in millions) (dollars in millions) 1.55% 1.60% 1.60% 1.63% 1.67% 1.62% 1.62% 1.62% 1.62% 1.00% 1.20% 1.40% 1.60% 1.80% 2.00% $150 $175 $200 $225 $250 $275 $300 $325 $350 $375 $400 $425 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 ACL - Loans ACL - Unfunded Commitments ACL on Loans / Total Loans 1Q26 Allowance Coverage Outstanding Balance ACL ACL % Gross Loans $21,828.0 $354.7 1.62% Unfunded Commitments $4,788.6 $52.0 1.09%

NPA / Charge-Off Trend 18 • The increase in NPAs in 1Q26 is attributable to serviced GNMA mortgages and other government guaranteed mortgages, which represent 43.0% of all NPAs • Excluding GNMA mortgages, NPAs declined $2.8 million or 2.9% • Net charge-offs totaled $11.4 million, or 0.21% annualized, in 1Q26 Credit Summary ($ in millions) 0.44% 0.36% 0.40% 0.44% 0.45% 0.38% 0.32% 0.33% 0.35% 0.33% 0.25% 0.30% 0.35% 0.40% 0.45% 0.50% 1Q25 2Q25 3Q25 4Q25 1Q26 Non-Performing Assets NPA / Total Assets NPA x GNMA / Total Assets 0.18% 0.14% 0.14% 0.26% 0.21% $0.0 $2.0 $4.0 $6.0 $8.0 $10.0 $12.0 $14.0 $16.0 0.00% 0.05% 0.10% 0.15% 0.20% 0.25% 0.30% 1Q25 2Q25 3Q25 4Q25 1Q26 Net Charge-Offs Net Charge-offs NCO Ratio (Annualized)

Problem Loan Trends 19 • Total criticized loans (including special mention), excluding GNMA- guaranteed mortgage loans, increased $11.4 million, or 6.2%, in 1Q26 • Classified loans, excluding GNMA-guaranteed mortgage loans, increased approximately $1.7 million, or 1.2%, in 1Q26 • Nonperforming loans, excluding GNMA-guaranteed mortgage loans, decreased $3.0 million, or 3.2%, in 1Q26 • The largest component of classified and nonperforming loans at 1Q26 was residential mortgages including government-guaranteed mortgages Highlights (in millions) Note: Criticized, Classified and Nonperforming loan totals exclude GNMA-guaranteed loans. Ratios expressed as a percentage of total loans net of GNMA-backed mortgage loans. 1.09% 0.99% 0.85% 0.85% 0.89% 0.73% 0.68% 0.67% 0.67% 0.67% 0.49% 0.40% 0.41% 0.43% 0.41% $0 $50 $100 $150 $200 $250 1Q25 2Q25 3Q25 4Q25 1Q26 Criticized Loans Classified Loans Nonperforming Loans Criticized ACL Coverage 182% Classified ACL Coverage 244% NPL ACL Coverage 393%

Term Investor CRE • 30-89 days past due investor CRE loans were 0.09% and NPLs were 0.01% at 1Q26 • Reserve for term investor CRE is $106.6 million, or 1.44% • Investor CRE portfolio is well diversified with over 80% of CRE loans located in MSAs in Ameris’s footprint, which exhibit population growth forecasts exceeding the national average 20 Highlights (1) Results based on stabilized term loans, or 60% of total Investor CRE loans Investor CRE (dollars in Millions) Investor CRE 24% Multi 10% Multi-Family $2,097 Office $1,293 Retail - Anchored $1,334 Retail - Non Anchored $1,009 Warehouse / Industrial $1,045 Hotel $424 All Other CRE $396 Investor CRE by Property Type GA $2,494 FL $2,569 SC $1,001 NC $664 All Other $871 Investor CRE by Property Location Outstanding $7.39 B Unfunded $0.21 B Total Committed Exposure $7.6 B Average Loan Size $4.4 M Allowance Coverage 1.44% 30-89 DPD Ratio 0.09% NPL Ratio 0.01% Criticized Ratio 0.81% Criticized ACL Coverage 178% Average LTV (1) 57% Average DSC (1) 1.58

Construction $118 Investor CRE $1,231 Owner- Occupied $482 Total Office Portfolio by Loan Type Office Portfolio • There were no 30-89 days past due investor office loans and NPLs were 0.02% at 1Q26 • Our reserve for investor office is $42.6 million, or 3.16% 21 Highlights (1) Results based on stabilized term loans, or 86% of term office loans Investor Office (dollars in Millions) Class A 53% Medical 18% Class B 28% Class C 1% Investor Office Portfolio by Property Class Outstanding $1.35 B Unfunded $0.08 B Total Committed Exposure $1.43 B Average Loan Size $3.7 M Allowance Coverage 3.16% 30-89 DPD Ratio 0.00% NPL Ratio 0.02% Criticized Ratio 2.47% Criticized ACL Coverage 128% Average LTV (1) 58% Average DSC (1) 1.62 Class A & Medical (1) 71%

Appendix

23 Reconciliation of GAAP to Non-GAAP Measures (dollars in thousands) 1Q26 4Q25 1Q25 Net Income $ 110,492 $ 108,356 $ 87,935 Adjustment items Loss on sale of MSR - 1,127 14 Servicing right impairment - 910 - Gain on BOLI proceeds - (220) (11) FDIC special assessment - (1,136) 138 Tax effect of adjustment items - (189) (32) After tax adjustment items - 492 109 Adjusted Net Income $ 110,492 $ 108,848 $ 88,044 Weighted average number of shares - diluted 67,766,997 68,328,365 69,030,331 Net income per diluted share $ 1.63 $ 1.59 $ 1.27 Adjusted net income per diluted share $ 1.63 $ 1.59 $ 1.28 Average assets 27,672,313 27,394,953 26,229,423 Return on average assets 1.62% 1.57% 1.36% Adjusted return on average assets 1.62% 1.58% 1.36% Average common equity 4,107,670 4,044,338 3,798,149 Average tangible common equity 3,039,019 2,971,985 2,713,847 Return on average common equity 10.91% 10.63% 9.39% Return on average tangible common equity 14.75% 14.46% 13.14% Adjusted return on average tangible common equity 14.75% 14.53% 13.16% Quarter to Date

24 Reconciliation of GAAP to Non-GAAP Measures (dollars in thousands) 1Q26 4Q25 3Q25 2Q25 1Q25 Adjusted Noninterest Expense Total noninterest expense 157,080$ 143,090$ 154,566$ 155,260$ 151,034$ Adjustment items: FDIC special assessment - 1,136 318 138 (138) Adjusted noninterest expense 157,080$ 144,226$ 154,884$ 155,398$ 150,896$ Total Revenue Net interest income 244,436$ 245,307$ 237,964$ 231,813$ 221,839$ Noninterest income 69,920 61,827 76,274 68,911 64,023 Total revenue 314,356$ 307,134$ 314,238$ 300,724$ 285,862$ Adjusted Total Revenue Net interest income (TE) 245,384$ 246,287$ 238,917$ 232,741$ 222,767$ Noninterest income 69,920 61,827 76,274 68,911 64,023 Total revenue (TE) 315,304$ 308,114$ 315,191$ 301,652$ 286,790$ Adjustment items: (Gain) loss on securities - (12) (1,581) - (40) Gain on BOLI proceeds - (220) (390) - (11) (Gain) loss on sale of mortgage servicing rights - 1,127 (125) (356) 14 Servicing right impairment (recovery) - 910 - - - Adjusted total revenue (TE) 315,304$ 309,919$ 313,095$ 301,296$ 286,753$ Efficiency ratio 49.97% 46.59% 49.19% 51.63% 52.83% Adjusted efficiency ratio (TE) 49.82% 46.54% 49.47% 51.58% 52.62% Quarter to Date

25 Reconciliation of GAAP to Non-GAAP Measures (dollars in thousands) 1Q26 4Q25 3Q25 2Q25 1Q25 Total shareholders' equity 4,082,127$ 4,076,028$ 4,016,701$ 3,917,678$ 3,823,802$ Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 51,430 54,824 58,703 62,582 66,658 Total tangible shareholders' equity 3,015,051$ 3,005,558$ 2,942,352$ 2,839,450$ 2,741,498$ Period end number of shares 67,320,298 68,022,316 68,587,742 68,711,043 68,910,924 Book value per share (period end) 60.64$ 59.92$ 58.56$ 57.02$ 55.49$ Tangible book value per share (period end) 44.79$ 44.18$ 42.90$ 41.32$ 39.78$ Total assets $ 28,109,935 $ 27,515,879 $ 27,099,829 $ 26,680,153 $ 26,514,940 Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 51,430 54,824 58,703 62,582 66,658 Total tangible assets 27,042,859$ 26,445,409$ 26,025,480$ 25,601,925$ 25,432,636$ Equity to Assets 14.52% 14.81% 14.82% 14.68% 14.42% Tangible Common Equity to Tangible Assets 11.15% 11.37% 11.31% 11.09% 10.78% Quarter to Date

26 Reconciliation of GAAP to Non-GAAP Measures (dollars in thousands) 2021 2022 2023 2024 2025 Return on Tangible Common Equity Net Income 376,913$ 346,540$ 269,105$ 358,685$ 412,154$ Average common equity 2,827,669 3,083,081 3,313,361 3,583,390 3,918,733 Average tangible common equity 1,826,433 1,947,222 2,200,883 2,488,588 2,840,493 Return on average common equity 13.3% 11.2% 8.1% 10.0% 10.5% Return on average tangible common equity 20.6% 17.8% 12.2% 14.4% 14.5% (dollars in thousands) 2021 2022 2023 2024 2025 Total shareholders' equity 2,966,451$ 3,197,400$ 3,426,747$ 3,751,522$ 4,076,028$ Less: Goodwill 1,012,620 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 125,938 106,194 87,949 70,761 54,824 Total tangible shareholders' equity 1,827,893$ 2,075,560$ 2,323,152$ 2,665,115$ 3,005,558$ Total assets $ 23,858,321 $ 25,053,286 $ 25,203,699 $ 26,262,050 $ 27,515,879 Less: Goodwill 1,012,620 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 125,938 106,194 87,949 70,761 54,824 Total tangible assets 22,719,763$ 23,931,446$ 24,100,104$ 25,175,643$ 26,445,409$ Equity to Assets 12.4% 12.8% 13.6% 14.3% 14.8% Tangible Common Equity to Tangible Assets 8.0% 8.7% 9.6% 10.6% 11.4%

27 Reconciliation of GAAP to Non-GAAP Measures (dollars in thousands) 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 3Q24 2Q24 1Q24 4Q23 3Q23 Total shareholders' equity 4,082,127$ 4,076,028$ 4,016,701$ 3,917,678$ 3,823,802$ 3,751,522$ 3,681,368$ 3,566,614$ 3,484,738$ 3,426,747$ 3,347,069$ Less: Goodwill 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 1,015,646 Other intangibles, net 51,430 54,824 58,703 62,582 66,658 70,761 74,941 79,120 83,527 87,949 92,375 Total tangible shareholders' equity 3,015,051$ 3,005,558$ 2,942,352$ 2,839,450$ 2,741,498$ 2,665,115$ 2,590,781$ 2,471,848$ 2,385,565$ 2,323,152$ 2,239,048$ Period end number of shares 67,320,298 68,022,316 68,587,742 68,711,043 68,910,924 69,068,609 69,067,019 69,066,573 69,115,263 69,053,341 69,138,461 Book value per share (period end) 60.64$ 59.92$ 58.56$ 57.02$ 55.49$ 54.32$ 53.30$ 51.64$ 50.42$ 49.62$ 48.41$ Tangible book value per share (period end) 44.79$ 44.18$ 42.90$ 41.32$ 39.78$ 38.59$ 37.51$ 35.79$ 34.52$ 33.64$ 32.38$ 2Q23 1Q23 4Q22 3Q22 2Q22 1Q22 4Q21 3Q21 2Q21 1Q21 Total shareholders' equity 3,284,630$ 3,253,195$ 3,197,400$ 3,119,070$ 3,073,376$ 3,007,159$ 2,966,451$ 2,900,770$ 2,837,004$ 2,757,596$ Less: Goodwill 1,015,646 1,015,646 1,015,646 1,023,071 1,023,056 1,022,345 1,012,620 928,005 928,005 928,005 Other intangibles, net 96,800 101,488 106,194 110,903 115,613 120,757 125,938 60,396 63,783 67,848 Total tangible shareholders' equity 2,172,184$ 2,136,061$ 2,075,560$ 1,985,096$ 1,934,707$ 1,864,057$ 1,827,893$ 1,912,369$ 1,845,216$ 1,761,743$ Period end number of shares 69,139,783 69,373,863 69,369,050 69,352,709 69,360,461 69,439,084 69,609,228 69,635,435 69,767,209 69,713,426 Book value per share (period end) 47.51$ 46.89$ 46.09$ 44.97$ 44.31$ 43.31$ 42.62$ 41.66$ 40.66$ 39.56$ Tangible book value per share (period end) 31.42$ 30.79$ 29.92$ 28.62$ 27.89$ 26.84$ 26.26$ 27.46$ 26.45$ 25.27$ As of As of

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