Ameris Bank

Headquarters

3490 Piedmont Rd Ne
Atlanta, GA 30305
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	5.50% →
1-Year CD	N.A.	4.65% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Reviewed by COLETTE B | May 30, 2022

I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE YOU AN EXAMPLE. THERE IS NO WAY EVER TO GET THROUGH TO ANY ONE. LAST TIME I HAD A QUESTION ABOUT WHETHER I COULD PAY WITH A CREDIT CARD -- I WAS ON HOLD FOR AN HOUR SEVERAL TIMES, MYSTERIOUSLY DROPPED... THEN GOT A MESSAGE THAT NOBODY WAS WORKING DURNG THAT HOUR (WHY NOT TELL ME BEFORE I WAITED???)... I NEVER GOT THE ANSWER. THIS MONTH, I COULDN'T FIGURE OUT MY PASSWORD, SO CALLED... ENDLESS WAITING, SAME THING... NEVER SPOKE TO ANYONE... STILL CAN'T GET IN ACCOUNT... IT'S FRUSTRATING, INSULTING, DEGRADING, DEHUMANIZING, AND A TOTAL NIGHTMARE. THEY NEED A COMPLETE REHAUL OF THEIR CUSTOMER SERVICE -- THEY OFFER NONE. WORST EVER.

Overview
Deposit Rates
Loan Rates
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Climate
Financial Details
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Reviews

2024 Overview

General Bank Information

Ameris Bank is an FDIC insured institution located in Atlanta, GA. It was founded in 1971 and has approximately $26.43 billion in assets. Customers can open an account at one of its 126 branches.


FDIC Insured	Yes
FDIC Certificate	# 20504
Date Established	1971
Assets	$ 26.43 billion
Loans	$ 21.23 billion
Deposits	$ 21.57 billion
Capital	$ 3.72 billion

For a more detailed analysis of Ameris Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Ameris Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375% 0.75 points $4,000 fees	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750% 1.00 points $3,705 fees	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.879%	6.750% 1.00 points $4,432 fees	$2,076	Learn More
NMLS ID: 401822	7.034%	6.875% 1.00 points $5,195 fees	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Ameris Bank
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Branches

Ameris Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Ameris Bank Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Greenville Main Street	354.29	A	View Lobby Hours
Greenville, Sc Branch	357.37	B	View Lobby Hours
Messenger Service	357.37	C	View Lobby Hours
Irmo Branch	417.19	D	View Lobby Hours
Lexington Branch	423.24	E	View Lobby Hours
Messenger Service	423.27	F	View Lobby Hours
Richland & Lexington County, Sc	424.41	G	View Lobby Hours
Columbia Branch	426.12	H	View Lobby Hours
Atlanta Midtown Branch	432.92	I	View Lobby Hours
Summerville Branch	506.68	J	View Lobby Hours
Dublin Mall Branch	512.50	K	View Lobby Hours
Butler Branch	516.29	L	View Lobby Hours
Mount Pleasant Branch	520.71	M	View Lobby Hours
Ameris - Magnolia Branch	520.81	N	View Lobby Hours
Messenger Service	521.09	O	View Lobby Hours
Charleston/West Ashley Branch	521.10	P	View Lobby Hours
Beaufort Branch	533.71	Q	View Lobby Hours
Buena Vista Branch	534.27	R	View Lobby Hours
Eastside Branch	536.54	S	View Lobby Hours
Lyons Branch	537.31	T	View Lobby Hours
Ellaville Branch	538.44	U	View Lobby Hours
Rincon Branch Office	540.40	V	View Lobby Hours
Godley Station Branch	548.11	W	View Lobby Hours
Operational Services Center Branch	549.74	X	View Lobby Hours
Pooler Branch	549.79	Y	View Lobby Hours
Hilton Head Island Branch	552.33	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Ameris Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

Ameris Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ameris Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

Ameris Bank	U.S. Bank Average
4.87%	4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Ameris Bank had $195,307,000 in non-current loans and $2,213,000 in owned real estate. To cover these potential losses it had $3,719,480,000 in equity and $336,218,000 in loans loss reserves. That gives it a Texas Ratio of 4.87%.

Return on Equity

Ameris Bank	U.S. Bank Average
9.94%	10.46%

Ameris Bank has a Return on Equity of 9.94% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

Ameris Bank	U.S. Bank Average
14.07%	10.84%

Ameris Bank has a Capitalization of 14.07% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Ameris Bank Balance Sheet Analysis

As of June 30, 2024, Ameris Bank had assets of $26,428,915,000, loans of $21,226,565,000, and deposits of $21,574,192,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024

ASSETS
Cash & Balances due from depository institutions	$ 1,351.45 million
Interest-bearing balances	$ 1,104.90 million
Total securities	$ 1,683.96 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 21.23 billion
Loan loss allowance	$ 336.22 million
Trading account assets	$ 9.89 million
Bank premises and fixed assets	N.A.
Other real estate owned	$ 2.21 million
Goodwill and other intangibles	$ 1,173.22 million
All other assets	$ 573.50 million
Total Assets	$ 22.71 billion

LIABILITIES
Total deposits	$ 21.57 billion
Interest-bearing deposits	$ 14.79 billion
Deposits held in domestic offices	$ 21.57 billion
% insured (estimated)	56.20%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 9.97 million
Other borrowed funds	$ 48.71 million
Subordinated debt	$ 74.71 million
All other liabilities	$ 347.86 million
Total Liabilities	$ 22.71 billion
Shareholders’ Equity	$ 3.72 billion

Summary Income Statement

June 30, 2024

INCOME AND EXPENSES
Total Interest Income	$ 676.78 million
Total Interest Expense	$ 252.03 million
Net interest income	$ 424.75 million
Provision for loan and lease losses	$ 39.88 million
Total non interest income	$ 142.00 million
Total non interest expense	$ 294.85 million
Pre-tax Net Operating Income	$ 244.23 million

Bank Loan Profile^?

The top three loan types in Ameris Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Ameris Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	20.87		✓
Multifamily Mortgages	3.27		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.86		✓
Small Business Loans	3.27	✓
Construction and Development Loans	8.23		✓
Commercial Real Estate	29.64		✓
Commercial and Industrial Loans	12.46		✓
Farm Loans	0.42		✓

Customer Reviews for Ameris Bank

COLETTE B

May 30, 2022

I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE YOU AN EXAMPLE. THERE IS NO WAY EVER TO GET THROUGH TO ANY ONE. LAST TIME I HAD A QUESTION ABOUT WHETHER I COULD PAY WITH A CREDIT CARD -- I WAS ON HOLD FOR AN HOUR SEVERAL TIMES, MYSTERIOUSLY DROPPED... THEN GOT A MESSAGE THAT NOBODY WAS WORKING DURNG THAT HOUR (WHY NOT TELL ME BEFORE I WAITED???)... I NEVER GOT THE ANSWER. THIS MONTH, I COULDN'T FIGURE OUT MY PASSWORD, SO CALLED... ENDLESS WAITING, SAME THING... NEVER SPOKE TO ANYONE... STILL CAN'T GET IN ACCOUNT... IT'S FRUSTRATING, INSULTING, DEGRADING, DEHUMANIZING, AND A TOTAL NIGHTMARE. THEY NEED A COMPLETE REHAUL OF THEIR CUSTOMER SERVICE -- THEY OFFER NONE. WORST EVER.

Is this review helpful? Yes:0 / No: 0
Michael

January 14, 2022 |

I normally don’t go out of my way to condemn a bank but in this case it’s really my duty.
If you want a car loan, please go to another more reputable institution. My story will convince you. I bought a Hyundai Santa Fe in 2018 in Roswell, GA. BTW, Rick Case Hyu dai are Rock Stars and have treated me very well. When I moved to Florida inSep of 2021, I applied for my Tag 10 Sep 2021. It’s 14 Jan 2021 and I still have no Tag because the incompetent group of invalids running the Title dept and the third party that actually does the work are incapable of transferring a title to another state. After 90 days inFlorida, you can drive on a temporary tag until the title shows up. To this day, those morons have no idea where the title is and really aren’t too worried about it making it to Florida. I’ve called multiple times a week only to be told, “ it’s still being processed”. Probably a phrase on a card they are trained to repeat. My car is almost paid off and I don’t want to sell or trade, but if I can’t drive it I may be forced to do so. Can’t drive, to work, the store, the doctors office, nothing. The incompetence of this organization is inexcusable. I’ve never dealt will the sorriest group of individuals in my entire life. Do not use this bank for no reason. You’ll regret it I promise.

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Frank

April 6, 2021 |

This bank bought out my bank which had already been bought before. I stayed with them. But I'm about to leave. I could open a bank across from this place and pout it out of business by simply offering CUSTOMER SERVICE!!!

Is this review helpful? Yes:0 / No: 0
Sherri

January 25, 2016

I love Ameris Bank and, especially the branch manager and staff at the St. Johns Town Center branch. Very friendly, very responsive, always trying to help. Highly recommend them!

Is this review helpful? Yes:2 / No: 0

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