Ameris Bancorp (NYSE: ABCB) is a regional bank holding company that operates through its wholly-owned subsidiary, Ameris Bank. Founded in 1971 and headquartered in Atlanta, Georgia, the company has grown significantly through organic expansion and numerous acquisitions, including several FDIC-assisted transactions following the 2008 financial crisis.
Ameris Bancorp operates through four primary business segments: the Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The Banking Division is the core revenue driver, offering traditional commercial and consumer banking services, including commercial real estate loans, business checking, SBA lending, and treasury management. The Retail Mortgage Division handles the origination, sale, and servicing of residential mortgage loans, while the Warehouse Lending and Premium Finance divisions provide specialized commercial financing solutions.
Geographically, Ameris Bank maintains a strong footprint in the Southeastern United States, with over 160 full-service branches across Georgia, Florida, Alabama, North Carolina, and South Carolina, alongside mortgage-only locations in several other states. The company's competitive position is bolstered by its diversified revenue streams, combining traditional interest-based lending with fee-based services, and its strategic focus on mid-sized markets and relationship banking.
