BlastPoint's Banking Scorecard
Ameris Bank
Large
Specialty: Commercial
GA
FDIC cert 20504
Atlanta, GA
69
banks in Large tier nationally
1 in GA
View Large leaderboard (GA) →
Ameris Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 100% in Large
- + Loan-to-Deposit Ratio 15.29% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 40% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.4B
+4.8% YoY
+1.5% QoQ
|
-$47.4B |
$74.9B
-4.4% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$21.8B
+4.1% YoY
+1.3% QoQ
|
-$24.6B |
$46.4B
-2.1% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$22.5B
+2.7% YoY
+0.1% QoQ
|
-$38.0B |
$60.5B
-4.5% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.64%
+8.2% YoY
+1.2% QoQ
|
+0.44% |
1.19%
+17.8% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.91%
+5.5% YoY
+0.7% QoQ
|
+0.45% |
3.46%
+13.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
46.67%
-5.9% YoY
-2.3% QoQ
|
-8.36% |
55.03%
-2.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.54%
-5.1% YoY
+9.5% QoQ
|
-0.33% |
0.88%
-0.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
97.01%
+1.3% YoY
+1.1% QoQ
|
+15.29% |
81.72%
+3.9% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.98%
-4.6% YoY
-6.6% QoQ
|
+9.01% |
19.97%
+0.5% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.44%
-5.3% YoY
+8.6% QoQ
|
-0.11% |
0.55%
+9.0% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.43%
+2.2% YoY
+0.0% QoQ
|
+0.11% |
13.33%
-0.7% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.98%
-7.9% YoY
+28.2% QoQ
|
-0.10% |
1.09%
+2.4% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#2 of 2 · Top 100% in Large
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
28.98%
(Tier: 19.97%, National: 21.79%)
Net Interest Margin:
3.91%
(Tier: 3.46%, National: 3.75%)
2 of 2 Large banks match
·
176 nationally
→ Stable
+2 banks QoQ
Loan-to-Deposit Ratio
metric
Top 7%
in Large
Why this stands out
Current:
97.01%
(Tier avg: 81.72%, National avg: 78.04%)
Concerns (1)
Liquidity Strain
risk
#7 of 16 · Bottom 40% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.01%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 97.01% · Tier avg: 81.72%
86
86th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.19%
82
82th pctile
Efficiency Ratio
Current: 46.67% · Tier avg: 55.03%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 28.98% · Tier avg: 19.97%
75
75th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.46%
71
71th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.88%
68
68th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 1.09%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.43% · Tier avg: 13.33%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.55%
29
29th pctile
Total Loans
Current: $21.8B · Tier avg: $46.4B
12
12th pctile
Total Assets
Current: $27.4B · Tier avg: $74.9B
10
10th pctile
Total Deposits
Current: $22.5B · Tier avg: $60.5B
Top Weaknesses
10
10th pctile
Total Deposits
Current: $22.5B · Tier avg: $60.5B
12
12th pctile
Total Assets
Current: $27.4B · Tier avg: $74.9B
29
29th pctile
Total Loans
Current: $21.8B · Tier avg: $46.4B
59
59th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.55%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.43% · Tier avg: 13.33%
68
68th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 1.09%
71
71th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.88%
75
75th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.46%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 28.98% · Tier avg: 19.97%
82
82th pctile
Efficiency Ratio
Current: 46.67% · Tier avg: 55.03%
86
86th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.19%
93
93th pctile
Loan-to-Deposit Ratio
Current: 97.01% · Tier avg: 81.72%