Ameris Bancorp (ABCB): Business Model Canvas [Jan-2025 Mise à jour]

Plongez dans le plan stratégique d'Ameris Bancorp (ABCB), une institution financière dynamique qui a magistralement conçu un modèle commercial mélangeant les prouesses bancaires traditionnelles avec l'innovation numérique de pointe. En tirant stratégiquement les partenariats régionaux, les technologies de pointe et une approche centrée sur le client, ABCB s'est positionné comme un acteur formidable dans le paysage bancaire du sud-est, offrant des solutions financières complètes qui intègrent de manière transparente un service personnalisé avec des expériences numériques robustes.

Ameris Bancorp (ABCB) - Modèle d'entreprise: partenariats clés

Institutions financières régionales et nationales pour les participations aux prêts

Depuis le quatrième trimestre 2023, Ameris Bancorp a maintenu des partenariats de participation aux prêts avec 47 institutions financières régionales. Le volume total de la participation au prêt a atteint 1,2 milliard de dollars, ce qui représente 18,3% du portefeuille total de prêts de la banque.

Type de partenaire	Nombre de partenaires	Volume de participation totale
Banques régionales	37	892 millions de dollars
Banques nationales	10	308 millions de dollars

Vendeurs technologiques pour les plateformes bancaires numériques

Ameris Bancorp a collaboré avec 5 fournisseurs de technologies primaires pour soutenir l'infrastructure bancaire numérique.

• Jack Henry & Associés - Plateforme bancaire de base
• Fiserv - Solutions de paiement numérique
• Finastra - Technologie de prêt
• Microsoft Azure - Infrastructure cloud
• Salesforce - Gestion de la relation client

Fournisseurs d'assurance pour les services financiers groupés

En 2023, Ameris Bancorp s'est associé à 12 fournisseurs d'assurance, générant 43,7 millions de dollars de revenus croisés grâce à des services financiers groupés.

Catégorie d'assurance	Nombre de prestataires	Revenus générés
Assurance-vie	4	18,2 millions de dollars
Propriété & Victime	5	15,5 millions de dollars
Assurance spécialisée	3	10 millions de dollars

Réseaux commerciaux locaux et chambres de commerce

Ameris Bancorp a maintenu des abonnements actifs dans 83 chambres de commerce locales dans 7 États, avec un réseau commercial total de 4 672 entreprises connectées.

Réseaux de référence hypothécaire et prêt

La banque a établi des partenariats de référence avec 216 courtiers hypothécaires et réseaux immobiliers, générant 275,6 millions de dollars de créations hypothécaires en 2023.

Type de réseau de référence	Nombre de partenaires	Volume d'origine
Courtiers en hypothèques	129	187,3 millions de dollars
Réseaux immobiliers	87	88,3 millions de dollars

Ameris Bancorp (ABCB) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Ameris Bancorp a déclaré un actif total de 24,1 milliards de dollars avec un portefeuille de prêts de 18,3 milliards de dollars. La banque exploite 173 succursales à service complet dans plusieurs États, dont la Géorgie, la Floride, l'Alabama et les Carolines.

Catégorie de service bancaire	Volume total (2023)
Prêts commerciaux	10,7 milliards de dollars
Prêts à la consommation	7,6 milliards de dollars
Dépôts totaux	21,5 milliards de dollars

Prêts hypothécaires et origine

Les prêts hypothécaires représentent une activité clé importante pour Ameris Bancorp.

• Volume total d'origine hypothécaire (2023): 3,2 milliards de dollars
• Prêts hypothécaires résidentiels: 4,5 milliards de dollars
• Taille moyenne du prêt hypothécaire: 285 000 $

Services de gestion de patrimoine et d'investissement

La gestion de la patrimoine génère des sources de revenus supplémentaires pour la banque.

Métriques de gestion de la patrimoine	Performance de 2023
Actifs sous gestion	2,8 milliards de dollars
Comptes de conseil en investissement	22 500 comptes
Revenus des services de richesse	87,4 millions de dollars

Développement de la plate-forme bancaire numérique

La transformation numérique reste une activité critique pour Ameris Bancorp.

• Utilisateurs de la banque mobile: 340 000
• Transactions bancaires en ligne (annuelle): 42,6 millions
• Investissement bancaire numérique (2023): 22,5 millions de dollars

Stratégies d'intégration de fusion et d'acquisition

Ameris Bancorp poursuit l'expansion stratégique grâce à des acquisitions ciblées.

Activité de fusions et acquisitions récentes	Détails
Acquisitions totales (2022-2023)	2 intégrations bancaires régionales
Dépenses totales d'acquisition	415 millions de dollars
Nouvelles branches ajoutées	37 branches

Ameris Bancorp (ABCB) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Depuis le quatrième trimestre 2023, Ameris Bancorp fonctionne 247 lieux bancaires Dans le sud-est des États-Unis, en particulier: couvrant spécifiquement:

• Géorgie: 127 succursales
• Floride: 58 succursales
• Alabama: 32 branches
• Tennessee: 15 succursales
• Caroline du Sud: 15 succursales

Infrastructure de technologie bancaire numérique

Métriques de plate-forme numérique	2023 statistiques
Utilisateurs de la banque mobile	372,000
Plateformes bancaires en ligne	3 systèmes intégrés
Investissement numérique annuel	18,4 millions de dollars

Équipe de gestion financière

Composition du leadership:

• Équipe de direction totale: 7 membres
• Expérience bancaire moyenne: 22 ans
• Tiration du leadership chez Ameris: 9,3 ans moyenne

Portefeuille de prêts et de dépôts

Segment de portefeuille	Montant total (Q4 2023)
Prêts totaux	22,3 milliards de dollars
Dépôts totaux	19,7 milliards de dollars
Prêts commerciaux	12,6 milliards de dollars
Prêts à la consommation	9,7 milliards de dollars

Systèmes de gestion des risques

Détails de l'infrastructure de gestion des risques:

• Équipe de gestion des risques d'entreprise: 42 professionnels
• Investissement annuel de cybersécurité: 7,2 millions de dollars
• Systèmes de surveillance de la conformité: suivi en temps réel

Ameris Bancorp (ABCB) - Modèle d'entreprise: propositions de valeur

Solutions financières complètes pour les entreprises et les particuliers

Au quatrième trimestre 2023, Ameris Bancorp a déclaré un actif total de 24,1 milliards de dollars et des dépôts totaux de 19,4 milliards de dollars. La banque propose une gamme diversifiée de produits financiers:

Catégorie de produits	Valeur totale	Nombre de clients
Prêts commerciaux	8,7 milliards de dollars	12 500 clients commerciaux
Prêts à la consommation	6,3 milliards de dollars	185 000 clients individuels
Prêts hypothécaires	4,2 milliards de dollars	45 000 clients hypothécaires

Service client personnalisé sur les marchés locaux

Ameris Bancorp fonctionne 190 lieux bancaires dans plusieurs états, avec une présence significative dans:

• Géorgie: 87 succursales
• Floride: 62 succursales
• Alabama: 24 succursales
• Tennessee: 17 succursales

Taux d'intérêt concurrentiels et produits bancaires

Produit	Taux d'intérêt	Comparaison du marché
Comptes d'épargne	3.75%	0,25% au-dessus de la moyenne régionale
Comptes de marché monétaire	4.25%	0,35% au-dessus de la moyenne régionale
Vérification des affaires	2.50%	0,15% au-dessus de la moyenne régionale

Expériences bancaires numériques et mobiles robustes

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 275 000
• Volume de transaction en ligne: 42 millions de transactions
• Évaluation des applications mobiles: 4.6 / 5

Intégration transparente des plateformes bancaires acquises

Acquisitions récentes et performances d'intégration:

Banque acquise	Année d'acquisition	Coût d'intégration	Synergie des revenus
Banque de fidélité	2020	750 millions de dollars	Synergie annuelle de 125 millions de dollars
Capitale atlantique	2018	300 millions de dollars	Synergie annuelle de 65 millions de dollars

Ameris Bancorp (ABCB) - Modèle d'entreprise: Relations clients

Approche bancaire basée sur les relations

Depuis le quatrième trimestre 2023, Ameris Bancorp maintient 377 emplacements bancaires à service complet dans 8 États. La banque dessert environ 1,8 million de clients grâce à sa stratégie complète de banque de relations.

Gestionnaires de relations dédiés pour les clients commerciaux

Ameris Bancorp offre un soutien bancaire spécialisé avec:

• Plus de 85 gestionnaires de relations commerciales dévouées
• Portefeuille de prêts commerciaux moyens de 6,3 milliards de dollars
• Solutions financières personnalisées pour les petites et moyennes entreprises

Support client multicanal

Canal de support	Statistiques d'utilisation
Interactions de branche physiques	42% des transactions clients
Banque en ligne	38% des interactions du client
Application bancaire mobile	27% des transactions numériques
Support téléphonique	15% des engagements du service à la clientèle

Services de conseil financier personnalisés

Ameris Bancorp offre des services de conseil ciblés avec:

• Actifs de gestion de patrimoine de 2,1 milliards de dollars
• 49 conseillers financiers certifiés
• Investissement complet et planification de la retraite

Programmes de fidélité et prix des relations

Fonctionnalité du programme de fidélité	Détails
Tarifs clients préférés	Jusqu'à 0,25% d'intérêt supplémentaire sur les dépôts
Titres de prix de la relation	4 niveaux distincts de la relation client
Remises transversales	Jusqu'à 15% de réduction des frais de service bancaire

Ameris Bancorp (ABCB) - Modèle d'entreprise: canaux

Réseau de succursale physique

Depuis le quatrième trimestre 2023, Ameris Bancorp fonctionne 200 succursales bancaires physiques dans plusieurs états, principalement dans:

• Georgia
• Floride
• Alabama
• Caroline du Sud

État	Nombre de branches
Georgia	87
Floride	65
Alabama	28
Caroline du Sud	20

Plateforme bancaire en ligne

Plateforme bancaire numérique avec 184 000 utilisateurs bancaires en ligne actifs En décembre 2023.

Application bancaire mobile

Caractéristiques de l'application mobile:

• Dépôt de chèques mobiles
• Services de paiement
• Alertes de transaction en temps réel
• Gestion des comptes

Téléchargements totaux d'applications mobiles: 92,500 en 2023

Assistance du centre d'appels

Centre de support client 24/7 avec 145 représentants dédiés au service client gantant environ 68 000 interactions client tous les mois.

Réseau ATM

Ameris Bancorp donne accès à 276 ATM propriétaires et Plus de 30 000 distributeurs automatiques de billets sans supplément via des partenariats de réseau.

Type de guichet automatique	Compte total
MAT propriétaires	276
ATM des partenaires de réseau	30,000+

Ameris Bancorp (ABCB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Ameris Bancorp dessert environ 12 500 clients commerciaux de petite à moyenne taille à travers son empreinte opérationnelle.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Micro-entreprises	5,700	$125,000
Petites entreprises	4,800	$350,000
Entreprises moyennes	2,000	$750,000

Clients bancaires de détail individuels

Ameris Bancorp dessert 425 000 clients bancaires de détail individuels en décembre 2023.

• Comptes de chèques personnels: 285 000
• Comptes d'épargne personnels: 210 000
• Utilisateurs bancaires numériques: 215 000

Clients bancaires commerciaux

La banque entretient 3 750 relations bancaires commerciales avec un portefeuille total de prêts commerciaux de 8,2 milliards de dollars en 2023.

Segment commercial	Compte de clientèle	Portefeuille de prêts totaux
Banque commerciale	850	4,5 milliards de dollars
Marché intermédiaire	1,900	2,7 milliards de dollars
Immobilier commercial	1,000	1 milliard de dollars

Clients de gestion de la patrimoine

Le segment de la gestion de patrimoine comprend 22 500 clients avec 3,6 milliards de dollars d'actifs sous gestion à partir de 2023.

• Individus de valeur nette élevée: 5 500
• Clients de planification de la retraite: 12 000
• Clients de gestion des investissements: 5 000

Emprunteurs hypothécaires

Le portefeuille de prêts hypothécaires se compose de 95 000 clients hypothécaires actifs avec 14,3 milliards de dollars de prêts hypothécaires totaux.

Type hypothécaire	Nombre d'emprunteurs	Valeur totale du prêt
Achat résidentiel	62,000	9,1 milliards de dollars
Refinancement	21,000	3,5 milliards de dollars
Capital social	12,000	1,7 milliard de dollars

Ameris Bancorp (ABCB) - Modèle d'entreprise: Structure des coûts

Opérations de succursales et d'entretien

Depuis 2023 Q4, Ameris Bancorp a exploité 387 centres bancaires dans 8 États. Les dépenses annuelles de maintenance et d'occupation des succursales ont totalisé 124,3 millions de dollars.

Catégorie de coûts	Dépenses annuelles ($ m)
Loyer et location	52.6
Services publics	18.7
Entretien	32.4
Taxes foncières	20.6

Investissements technologiques et infrastructures numériques

Les dépenses technologiques pour 2023 ont atteint 87,5 millions de dollars, ce qui représente 3,2% du total des dépenses d'exploitation.

• Développement de la plate-forme bancaire numérique: 36,2 millions de dollars
• Infrastructure de cybersécurité: 22,8 millions de dollars
• Mises à niveau du système bancaire de base: 28,5 millions de dollars

Compensation et avantages sociaux des employés

Les dépenses totales du personnel pour 2023 étaient de 392,6 millions de dollars, couvrant 5 983 employés à temps plein.

Composant de compensation	Dépenses annuelles ($ m)
Salaires de base	268.4
Bonus de performance	54.2
Avantages sociaux	42.7
Contributions à la retraite	27.3

Frais de conformité réglementaire

Les frais de conformité pour 2023 ont totalisé 63,4 millions de dollars, y compris les frais de déclaration juridique et réglementaire.

• Systèmes de rapports réglementaires: 22,6 millions de dollars
• Salaires du personnel de conformité: 28,3 millions de dollars
• Audit externe et conseil: 12,5 millions de dollars

Coûts de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 étaient de 41,2 millions de dollars, axée sur les canaux marketing numériques et traditionnels.

Canal de marketing	Dépenses annuelles ($ m)
Marketing numérique	18.6
Médias traditionnels	12.4
Parrainages communautaires	6.2
Programmes d'acquisition de clients	4.0

Ameris Bancorp (ABCB) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Au quatrième trimestre 2023, Ameris Bancorp a déclaré un revenu net d'intérêts de 343,6 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total en suspens
Prêts commerciaux	8,4 milliards de dollars
Prêts hypothécaires résidentiels	4,2 milliards de dollars
Prêts à la consommation	1,6 milliard de dollars

Services bancaires basés sur les frais

Les revenus sans intérêt provenant des services bancaires ont atteint 97,2 millions de dollars en 2023, avec les catégories de frais suivants:

• Frais de service sur les comptes de dépôt: 42,5 millions de dollars
• Frais de transaction ATM et carte de débit: 23,7 millions de dollars
• Revenu d'échange: 18,9 millions de dollars

Frais d'origine hypothécaire et de service

Revenus liés aux hypothèques pour 2023:

Flux de revenus	Montant total
Frais d'origine hypothécaire	76,3 millions de dollars
Frais de service hypothécaire	24,6 millions de dollars

Frais de conseil en gestion de la patrimoine

Le segment de la gestion de patrimoine a généré 38,5 millions de dollars de frais de conseil en 2023.

Revenus d'investissement et de gestion de la trésorerie

Les revenus de la banque d'investissement et de la gestion de la trésorerie ont totalisé 52,1 millions de dollars en 2023, avec la ventilation suivante:

• Services de conseil en placement: 22,7 millions de dollars
• Services de gestion du Trésor: 29,4 millions de dollars

Ameris Bancorp (ABCB) - Canvas Business Model: Value Propositions

You're looking for the core value Ameris Bancorp delivers, and honestly, it boils down to a dual strategy: offering the stability of a large, high-performing regional bank while maintaining the agility of a specialized lender. The bank's value proposition isn't just a mission statement; it's measurable in its $27.10 billion in total assets as of Q3 2025, plus its standout profitability metrics.

Full suite of traditional banking and specialized lending products

Ameris Bancorp provides a comprehensive, full-service banking experience, which is a major value-add for both commercial and retail clients. You get the convenience of a one-stop shop for everything from basic checking accounts to complex commercial real estate financing. This broad offering is critical because it captures and retains diverse revenue streams, making the business model more resilient.

The core of this offering is a robust loan portfolio, which stood at $21.26 billion as of September 30, 2025. This includes traditional commercial and industrial (C&I) loans and commercial real estate (CRE) loans, which drove the 4.1% annualized loan growth in Q3 2025. They also offer a full range of treasury and cash management services, which is defintely a sticky product for their business clients.

• Offerings span retail, commercial, and mortgage services.
• Total deposits reached $22.23 billion in Q3 2025.
• Noninterest-bearing deposits remain strong, over 30% of total deposits.

Regional expertise and deep community-focused service in the Southeast

The bank's regional focus is a key differentiator, providing a level of local expertise and relationship banking that larger national institutions often struggle to replicate. Ameris Bancorp operates financial centers across five southeastern states, including its Atlanta, Georgia headquarters.

This regional concentration allows them to better understand local market dynamics and credit risks, which translates into better asset quality management. They combine this local touch with a national reach through select lending channels, giving clients the best of both worlds: a personal banker who knows their business, plus access to larger-scale lending capabilities. It's a powerful hybrid model.

Specialized financing through the Premium Finance Division

A significant, high-margin value proposition is the specialized lending Ameris Bancorp provides, particularly through its Premium Finance Division (insurance premium financing). This niche business funds the payment of commercial property and casualty insurance premiums, which is a highly specialized, non-traditional banking product.

This division provides a critical source of noninterest income and diversifies the overall risk profile away from purely traditional real estate lending. This kind of specialized, national-scope product helps smooth out cyclical downturns in regional banking, offering a steady, reliable revenue stream that other regional banks often lack.

High financial performance demonstrated by Q3 2025 ROA of 1.56%

For investors and sophisticated clients, the most compelling value proposition is the bank's demonstrated ability to generate high, consistent returns. A bank that performs well is a bank that can continue to invest in its services and maintain its competitive edge. Here's the quick math: the Return on Assets (ROA)-a key measure of profitability-was an outstanding 1.56% for the third quarter of 2025. This figure places Ameris Bancorp among the top performers in the banking industry, which is a huge vote of confidence in their strategy.

Also, the Net Interest Margin (NIM) expanded to 3.80% in Q3 2025, reflecting effective balance sheet management in a challenging rate environment. The efficiency ratio-how much it costs to generate a dollar of revenue-improved to 49.19%, showing strong cost control and operational efficiency. This isn't just a good quarter; it's proof the business model works.

Key Financial Metric (Q3 2025)	Value Proposition Alignment	Reported Value
Return on Average Assets (ROA)	High Profitability & Operational Excellence	1.56%
Net Interest Margin (NIM)	Effective Asset/Liability Management	3.80%
Total Assets (Sept 30, 2025)	Scale and Stability	$27.10 billion
Efficiency Ratio	Cost Management and Operational Agility	49.19%
Tangible Book Value per Share (TBV)	Shareholder Value Creation	$42.90 (15.2% annualized growth)

Ameris Bancorp (ABCB) - Canvas Business Model: Customer Relationships

You're looking at Ameris Bancorp, and the core takeaway on their customer relationships is this: they run a high-touch, regional model for their most profitable commercial clients, while simultaneously pushing a streamlined, self-service digital experience for mass-market transactions. This dual approach lets them capture high-value commercial and treasury relationships while maintaining a low-cost structure for their retail base.

High-touch, personalized service model for commercial clients

Ameris Bancorp's relationship with commercial clients is deeply personalized, built on a local banker model that delivers complex financial products. This high-touch service is necessary because commercial lending and treasury services are their biggest drivers of non-interest income and core deposits. For the third quarter of 2025, the total loan portfolio stood at $21.26 billion. This relationship strategy is directly reflected in the composition of their loan book, which is heavily weighted toward commercial real estate and commercial and industrial (C&I) loans.

Here's the quick math on their commercial exposure as of September 30, 2025, which drives the need for this dedicated, relationship-focused service:

• Real Estate - Commercial/Farmland Loans: $9.05 billion
• Commercial & Industrial (C&I) Loans: $3.30 billion
• Total Commercial Real Estate (CRE) Concentration: 40% of total loans

This is a significant concentration, so you defintely need a dedicated relationship manager to manage that risk and opportunity. The high-touch model ensures they retain these large, complex relationships, which is crucial for maintaining their core deposit base.

Community-centric approach with local banker expertise

The company maintains a strong physical presence in its core markets, operating 164 financial centers across the Southeast as of Q1 2025. This community-centric model is a key differentiator against purely digital competitors, allowing local bankers to build trust and capture market share. The strategy works because it translates directly into strong local deposit market share (the percentage of deposits a bank holds in a specific geographic area), which provides a stable, low-cost funding source.

The success of this local-expert model is clear in their top markets:

• #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.

This local dominance gives them a scarcity value in high-growth Southeast markets. The focus on core deposits means that noninterest-bearing deposits-the cheapest form of funding-represented 30.4% of total deposits as of September 30, 2025.

Self-service digital banking and mobile app for transactional needs

For transactional banking, the relationship shifts to a highly automated, self-service model, which is essential for managing the efficiency ratio (noninterest expense as a percentage of revenue). This is where they use technology to serve a broad consumer and small business base nationwide without the overhead of a large branch network.

The company explicitly focuses on combining user-friendly technology with personal expertise, which means the digital channels handle most routine tasks. This dual delivery keeps the overall operating cost low; the efficiency ratio improved to 49.19% in the third quarter of 2025, a strong number that reflects tight expense control, partly through digital adoption.

The digital platform supports their multi-segment offerings:

• Online account opening for nationwide consumer access.
• Mobile app for standard retail transactions.
• Digital tools for commercial clients, particularly for treasury and cash management.

Dedicated relationship management for wealth and treasury services

The most profitable non-lending relationships-wealth management and treasury services-are managed through dedicated relationship managers. This is a crucial area for noninterest income (fee income), which helps diversify their revenue away from pure interest rate spreads.

While specific Assets Under Management (AUM) figures for the wealth division are not separately disclosed in the quarterly reports, you can see the impact in the noninterest income growth. Total noninterest income for Q3 2025 was $76.3 million, an increase of 10.7% from the previous quarter. This growth was notably driven by service charges and equipment finance activity, which are both components of their commercial and treasury services.

Customer Relationship Segment	Primary Interaction Model	Key 2025 Financial Metric (Q3 2025)
Commercial & Industrial (C&I)	High-Touch, Dedicated Banker	C&I Loans of $3.30 billion
Commercial Real Estate (CRE)	High-Touch, Dedicated Banker	CRE/Farmland Loans of $9.05 billion
Retail/Consumer (Transactional)	Self-Service Digital & Mobile App	Noninterest-Bearing Deposits: 30.4% of total deposits
Wealth & Treasury Services	Dedicated Relationship Manager	Q3 2025 Noninterest Income: $76.3 million

Ameris Bancorp (ABCB) - Canvas Business Model: Channels

You need to know exactly how Ameris Bancorp gets its services to customers, because that distribution network-the 'Channels'-is what drives their deposit base and lending volume. The model is a deliberate mix of high-touch regional physical presence and high-efficiency national digital and specialized lending platforms. It's a classic hub-and-spoke strategy, but with the spokes extending nationwide for specific, profitable products.

The core takeaway is that Ameris Bancorp is effectively two businesses: a traditional Southeastern community bank and a national, specialized lender. This dual-channel approach allows them to manage a significant asset base, which stood at $26.7 billion as of June 30, 2025.

Physical network of 164 financial centers in four Southeastern states

The foundation of Ameris Bancorp's channel strategy is its physical footprint. As of late 2025, the bank operates 164 financial centers across the Southeast. This density in key regional markets is crucial for gathering sticky, lower-cost deposits and building commercial relationships-the lifeblood of any regional bank. The focus remains on building strong local relationships, which is a competitive advantage in a fragmented market.

The primary states served by this branch network include Georgia, Alabama, Florida, and South Carolina. This regional concentration allows for a deep understanding of local economic cycles, which defintely helps in managing credit risk. This physical presence is the primary channel for traditional retail and commercial banking services.

Digital and mobile banking platform for consumer and business access

While the branches handle the high-touch services, the 'Ameris Digital One' platform provides the necessary scale and convenience for everyday transactions. This digital channel is critical for efficiency and for retaining younger, tech-savvy customers. It's not just a convenience feature; it's a core operational channel.

The platform offers full online and mobile banking capabilities for both consumer and business clients, including features like Zelle® for person-to-person payments and remote mobile check deposit. A key metric showing the success of their core deposit channels is that noninterest-bearing deposits-which are often the stickiest and cheapest-represented 31.0% of total deposits as of June 30, 2025.

Select lending channels serving customers nationwide

Ameris Bancorp uses specialized, non-branch lending channels to reach customers well beyond its Southeastern branch network. This is how they achieve national scale in high-margin, niche lending segments without the massive overhead of a coast-to-coast branch system. These select lending channels serve consumer and business customers nationwide.

This channel diversification helps smooth out the cyclicality of regional banking and provides an important source of noninterest income. The bank's five operating segments-Banking, Retail Mortgage, Warehouse Lending, SBA, and Premium Finance-each operate as distinct channels, often with a national scope.

Retail Mortgage and Warehouse Lending Division offices

These specialized divisions represent the most significant non-branch channels and are major revenue drivers. They operate through dedicated offices, often separate from the traditional financial centers, to focus on specific product expertise.

The Retail Mortgage Division, for example, is a powerhouse channel. Its total production was $1.09 billion in the third quarter of 2025. This division is supported by a large team of full-time equivalent (FTE) employees, numbering 550 as of the second quarter of 2025. The open pipeline for this channel was $787.2 million at the end of Q3 2025, showing a strong forward-looking demand.

The Warehouse Lending Division, which provides short-term funding to mortgage originators, is a smaller, capital-intensive channel but highly strategic. It operated with 8 FTE employees as of the second quarter of 2025.

Here's the quick math on the scale of these specialized channels in 2025:

Channel Segment	Key Metric (Q3 2025 or Latest)	Value/Amount
Physical Network	Number of Financial Centers	164
Digital Platform	Noninterest-Bearing Deposits (as % of Total Deposits, Q2 2025)	31.0%
Retail Mortgage Division	Total Production (Q3 2025)	$1.09 billion
Retail Mortgage Division	Open Pipeline (Q3 2025)	$787.2 million
Warehouse Lending Division	FTE Employees (Q2 2025)	8

The channels Ameris Bancorp uses are clearly defined and purpose-built:

• Physical centers: Build local trust and gather core deposits.
• Digital platform: Drive efficiency and 24/7 service.
• Specialized lending: Capture national, high-volume, and niche fee income.

Finance: Track the quarterly noninterest income contribution from the Retail Mortgage and Warehouse Lending channels to assess the true value of this channel diversification.

Ameris Bancorp (ABCB) - Canvas Business Model: Customer Segments

You're looking for a clear picture of who Ameris Bancorp is serving to understand their core business drivers. The takeaway is that Ameris Bancorp is fundamentally a commercial real estate and business lender anchored in the Southeast, but they've built a powerful, national-scale diversification model through specialized lending like mortgage and premium finance.

As of late 2025, specifically the third quarter ending September 30, 2025, Ameris Bancorp manages a total loan portfolio of approximately $20.91 billion. The customer base is segmented to maximize yield and manage geographic risk, balancing traditional branch banking with national specialty divisions. Here's the quick math on their loan book composition, which tells you exactly who the core customers are.

Customer Segment / Loan Category	Q3 2025 Loan Balance (Approximate)	Percentage of Total Loans ($20.91B)
Commercial & Business Clients (CRE/Farmland & C&I)	$12.35 billion ($9.05B + $3.30B)	59.1%
Mortgage Borrowers (Residential RE & Warehouse)	$5.49 billion ($4.41B + $1.08B)	26.3%
Retail, Premium Finance, & Other Specialized Loans	$3.07 billion (Remaining Portfolio)	14.6%
TOTAL LOAN PORTFOLIO	$20.91 billion	100.0%

Retail and consumer customers in the Southeastern U.S.

This segment is the foundation of the bank's local funding and deposit base, providing a stable, low-cost source of capital. Ameris Bancorp operates a network of 164 financial centers across five key southeastern states: Georgia, Alabama, Florida, North Carolina, and South Carolina.

The core retail customer uses traditional checking, savings, and money market accounts. Their value isn't just in loan interest, but in the noninterest-bearing deposits (NIBs), which represented a strong 30.4% of total deposits, or about $6.76 billion of the $22.23 billion deposit base at the end of Q3 2025. That's cheap funding, defintely a competitive edge.

• Provides stable, low-cost core deposits.
• Generates noninterest income, including $13.9 million in service charges in Q3 2025.
• Includes customers using consumer loans, which fall into the remaining $3.07 billion loan category.

Commercial and business clients (small to mid-market)

This is the largest and most profitable customer segment for Ameris Bancorp. It is primarily composed of small to mid-sized businesses, particularly those engaged in real estate development and investment within the bank's high-growth Southeast footprint. Loan growth in Q3 2025 was driven mostly by Commercial and Industrial (C&I) and investor Commercial Real Estate (CRE).

The sheer size of the commercial loan book is what matters here. The combined commercial exposure-Real Estate-Commercial/Farmland at $9.05 billion and Commercial & Industrial (C&I) at $3.30 billion-totals $12.35 billion. This segment is the clear revenue engine, representing almost 60% of the total loan portfolio. To be fair, managing CRE concentration is a constant focus for a bank this size, but their CRE concentration (excluding owner-occupied) was reported at a manageable 40% of loans.

Customers requiring specialized financing (e.g., insurance premium financing)

This customer segment is a national play, not tied to the Southeast branch network, which is a smart diversification strategy. Ameris Bancorp operates a dedicated Premium Finance Division, serving businesses that need to finance their large commercial insurance premiums over time.

While the exact loan balance is not separately broken out from the remaining portfolio, the segment is a significant non-traditional income stream. The Premium Finance Division alone generated $6.4 million in net income for the bank in Q3 2025. This high-yield, short-duration lending business helps offset the cyclicality of traditional banking and mortgage lending.

Mortgage borrowers across the U.S. via select lending channels

Ameris Bancorp serves mortgage customers through two primary channels: the Retail Mortgage Division and the Warehouse Lending Division. This customer base extends well beyond the five Southeastern states where the bank has branches.

The Retail Mortgage Division focuses on originating and selling residential mortgages, adding to noninterest income. In Q3 2025, this activity generated $40.7 million in noninterest income, with total production reaching $1.09 billion. The Warehouse Lending Division, on the other hand, provides short-term credit lines to other mortgage originators, with a dedicated loan balance of $1.08 billion in Q3 2025. This two-pronged approach captures both the end-consumer and the mortgage industry professional.

Ameris Bancorp (ABCB) - Canvas Business Model: Cost Structure

You're looking at Ameris Bancorp's (ABCB) cost structure, and the story is simple: their main expense is the cost of money itself, which is typical for a bank. Still, their operational efficiency is a clear focus, evidenced by a low efficiency ratio. The key takeaway is that the cost of funding-Interest Expense-is the single largest driver, but management is actively controlling the Noninterest Expense to maintain a strong competitive position.

This structure is dominated by the variable cost of deposits and borrowings, plus the fixed and semi-fixed costs of running a large regional bank franchise across the Southeast. For the third quarter of 2025 (Q3 2025), the total expense base clearly shows where the capital is being deployed to support the $27.10 billion in total assets.

Primary cost driver is Interest Expense, reported at $117.082 million in Q3 2025

The primary cost driver for any bank is the Interest Expense, which is the interest paid on deposits and borrowed funds. For Ameris Bancorp in Q3 2025, this figure was a substantial $117.082 million, which is the cost of attracting and retaining the $22.23 billion in total deposits. This cost is directly tied to market interest rates and the bank's strategy for funding its loan growth.

To put that in perspective, the bank's Net Interest Income (the profit margin on lending) for the quarter was $238.9 million. Here's the quick math: the Interest Expense is almost half of the Net Interest Income, making it the most critical variable to manage. They are doing a good job keeping the cost of interest-bearing deposits competitive at 2.82% for the quarter.

Noninterest Expense for operations, totaling $154.6 million in Q3 2025

The second major cost bucket is Noninterest Expense, which covers all the operating costs outside of interest payments. This is where you see the direct cost of running the business, and for Q3 2025, Ameris Bancorp reported this at $154.6 million. Management is defintely focused here; they managed to decrease this expense by 0.4% from the previous quarter, helping to push the efficiency ratio down to a strong 49.19%. That's a good sign of expense control.

This category is largely fixed or semi-fixed, meaning it doesn't fluctuate much with small changes in revenue. It's the cost of keeping the lights on and the people working. The largest components of this $154.6 million are:

• Salaries and Benefits: $90.9 million
• Occupancy and Equipment: $11.5 million

Provision for Credit Losses, which was $22.6 million in Q3 2025

The Provision for Credit Losses (PCL) is a non-cash expense that acts as a reserve against potential loan defaults. It's a forward-looking cost that reflects the expected loss on the loan portfolio, which stood at $21.26 billion at quarter-end. For Q3 2025, the PCL was $22.6 million.

This provision was significantly higher than the $2.8 million recorded in the prior quarter, but it's not necessarily a bad sign. Over half of the expense, approximately $11.4 million, was related to an increase in reserves for unfunded commitments. That's a positive signal, as it indicates a strong pipeline of future loan growth, so you're reserving for loans that haven't even been fully drawn yet. The Allowance for Credit Losses on loans remains stable at 1.62% of loans.

Branch network and technology infrastructure maintenance costs

The core of the bank's operating platform is its physical and digital presence, and the costs for this are embedded in the Noninterest Expense. The $11.5 million in Occupancy and Equipment costs directly covers the physical branch network and the hardware supporting the entire operation. This is the bill for the bank's footprint across its key markets in the Southeast.

However, the biggest investment is in people, with Salaries and Benefits at $90.9 million. This includes the talent needed to run the technology infrastructure, manage the branches, and drive the specialty finance divisions. The bank is anticipating expense growth of around 5% to 5.5% in 2026, which is earmarked for strategic investments in talent and technology, showing a clear plan to modernize and expand their capabilities.

Here is a summary of the key cost components for Q3 2025:

Cost Component	Q3 2025 Amount (in millions)	Nature of Cost	Key Driver/Purpose
Interest Expense	$117.082	Variable	Cost of funding (interest paid on deposits and borrowings)
Noninterest Expense (Total)	$154.6	Fixed/Semi-Fixed	Operating expenses to run the bank
Salaries and Benefits (within Noninterest Expense)	$90.9	Semi-Fixed	Personnel for banking, mortgage, and technology operations
Occupancy and Equipment (within Noninterest Expense)	$11.5	Fixed	Maintenance of branch network and technology infrastructure
Provision for Credit Losses	$22.6	Non-Cash (Reserve)	Reserve set aside for expected losses on the loan portfolio

Ameris Bancorp (ABCB) - Canvas Business Model: Revenue Streams

You need to know exactly where Ameris Bancorp (ABCB) generates its income, because in a regional bank, the mix of interest income versus fee income tells you everything about their risk profile and earnings stability. The core of their revenue stream is, predictably, traditional banking, but their specialty finance divisions provide a crucial, high-margin diversification that sets them apart.

In the third quarter of 2025 (Q3 2025), Ameris Bancorp reported total revenue of $314.2 million, which was a strong beat against forecasts. This performance was driven by both expansion in their net interest margin and significant growth in noninterest income (fee income), showing a healthy, dual-engine revenue model. That's a solid foundation for any bank.

Net Interest Income (NII) from loans and securities

Net Interest Income (NII) is the lifeblood of any bank-it's the difference between what the bank earns on its assets (like loans and securities) and what it pays on its liabilities (like deposits). For Ameris Bancorp, this primary revenue engine delivered $238.9 million on a tax-equivalent basis in Q3 2025.

This NII figure was up 2.7% from the previous quarter and a substantial 11.1% increase year-over-year. This growth wasn't accidental; it was fueled by an expanded Net Interest Margin (NIM), which reached 3.80% in Q3 2025, placing the company among the top performers in the industry. The bank achieved this by growing its average earning assets by an annualized 3.0% during the quarter, specifically through a $168.4 million increase in investment securities and a $109.5 million rise in average portfolio loans.

Noninterest Income from the Retail Mortgage Division (gains on loan sales)

The Retail Mortgage Division provides a high-volume, counter-cyclical revenue stream, primarily through gains on the sale of loans. This activity is volatile, but when rates stabilize or drop, it can be a huge boost. Total noninterest income for Ameris Bancorp reached $76.3 million in Q3 2025, a 10.7% increase from the prior quarter.

Mortgage banking activity specifically contributed $40.7 million to this noninterest income in Q3 2025. The division is a significant profit center, reporting $18.7 million in net income for the quarter. While the gain on sale spreads saw a slight decrease to 2.20% in Q3 2025 from 2.22% in the previous quarter, the overall production volume remains a key driver of fee revenue.

Fee income from the Premium Finance and Warehouse Lending Divisions

Ameris Bancorp's specialty finance segments-Premium Finance and Warehouse Lending-are critical for diversification, offering fee-based revenue that often carries a higher return on equity. These divisions are less dependent on the core banking market's day-to-day fluctuations.

The Warehouse Lending Division, which provides short-term financing to mortgage originators, generated $5.8 million in net income for Q3 2025. The Premium Finance Division, which funds commercial insurance premiums, added another $6.4 million in net income for the quarter. These niche lending businesses are essential to the bank's overall profitability, providing stable fee-based earnings. Honestly, a well-run specialty finance segment is a hidden gem in a regional bank's portfolio.

Service charges and fees from banking and treasury services

The most stable, recurring form of fee income comes from day-to-day banking activities, which are less sensitive to interest rate cycles. This includes service charges, treasury management fees, and interchange fees from debit card usage. In Q3 2025, service charges alone contributed $13.9 million to noninterest income, up 7.8% year-over-year.

Other notable contributors to the noninterest income of $76.3 million in Q3 2025 were:

• Equipment finance activity: Increased by $2.3 million quarter-over-quarter.
• Derivative fee income: Increased by $1.4 million quarter-over-quarter.
• Gain on the sale of securities: A one-time boost of $1.6 million in the quarter.

Here's the quick math on the major Q3 2025 revenue components:

Revenue Stream Component	Q3 2025 Amount (in millions)	Commentary
Net Interest Income (NII)	$238.9	Primary revenue source; up 11.1% YoY.
Total Noninterest Income	$76.3	Represents 24.3% of total Q3 revenue.
Mortgage Banking Activity	$40.7	Largest noninterest income source; includes gains on loan sales.
Service Charges & Fees	$13.9	Stable, recurring fee income from core banking services.
Premium Finance Net Income	$6.4	Specialty finance profit center.
Warehouse Lending Net Income	$5.8	Specialty finance profit center.

What this estimate hides is the inherent volatility in the mortgage and warehouse lending segments, which can fluctuate wildly with interest rate changes, still, the overall revenue mix is defintely strong.