Ameris Bank Mortgage Rates, Fees & Info

Atlanta, GA

LEI: IUGPUX5LWRZ3B6KIZ697

Tax ID: 58-1111076

2020 Data | 2019 Data | 2018 Data


Overview

Ameris Bank is a large bank specializing in Home Purchase and Refi loans. Ameris Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Atlanta, Washington, Jacksonville, Charleston, and Columbia among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Ameris Bank is typically an average fee lendor.


Originations

34,029

Origination Dollar Volume (All Markets)

$10,030,655,000

Employee count

2,671

Relative Rate

Ameris Bank's average 30 year fixed rate mortgage was 3.18%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.18%.

Relative Fees

Ameris Bank's average total fees for a 30 year fixed rate mortgage are $4,628.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 27,309 $8,249,655,000 $302,086 $3,904 3.21%
FHA 3,574 $799,030,000 $223,567 $7,499 3.26%
VA 2,646 $892,870,000 $337,441 $6,537 2.96%
USDA 500 $89,100,000 $178,200 $5,101 3.18%

For the 2020 period, Ameris Bank's most frequently originated loan type was Conventional, with 27,309 originations. Their 2nd most popular type is FHA, with 3,574 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 16,628 $4,741,620,000 $285,159 $5,344 3.23%
Refi 12,658 $3,955,590,000 $312,497 $3,574 3.09%
Cash Out Refi 3,963 $1,187,685,000 $299,693 $4,290 3.26%
Home Improvement 651 $129,305,000 $198,625 $3,943 3.63%
Other 129 $16,455,000 $127,558 $0 4.39%

For the 2020, Ameris Bank's most frequently cited loan purpose was Home Purchase, with 16,628 originations. The 2nd most popular reason was Refi, with 12,658 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 28,162 $8,517,700,000 $302,454 $4,628 3.18%
15 Year 3,475 $818,845,000 $235,639 $3,453 3.11%
20 Year 986 $264,910,000 $268,671 $3,419 3.04%
30+ year 630 $241,480,000 $383,302 $8,958 4.67%
Other 392 $111,830,000 $285,281 $3,294 3.43%
10 Year 273 $47,055,000 $172,363 $2,527 2.82%
5 Year 107 $25,935,000 $242,383 $286 3.10%
1 Year 2 $800,000 $400,000 $0 3.73%
3 Year 2 $2,100,000 $1,050,000 $15,695 4.50%

For the 2020, Ameris Bank's most frequently cited loan length was 30 Year, with 28,162 originations. The 2nd most popular length was 15 Year, with 3,475 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 22,545 $6,669,775,000 $295,843
$<1k 3,922 $1,082,640,000 $276,043
$2k-3k 2,570 $689,960,000 $268,467
$3k-4k 1,987 $644,445,000 $324,331
$5k+ 966 $534,290,000 $553,095

$4,628 was Ameris Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 22,545 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 10,974 $3,330,020,000 $303,446 $4,516 3.19%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 1,976 $803,770,000 $406,766 $5,084 3.08%
Outside of Metro Areas 2,346 $565,950,000 $241,240 $4,498 3.35%
JACKSONVILLE, FL 1,590 $493,640,000 $310,465 $4,815 3.29%
CHARLESTON-NORTH CHARLESTON, SC 1,432 $431,820,000 $301,550 $4,043 3.16%
COLUMBIA, SC 1,338 $328,950,000 $245,852 $4,335 3.11%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 877 $278,415,000 $317,463 $4,130 3.11%
URBAN HONOLULU, HI 546 $273,740,000 $501,355 $7,490 3.00%
BALTIMORE-COLUMBIA-TOWSON, MD 640 $193,430,000 $302,234 $5,718 3.02%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 549 $169,815,000 $309,317 $4,509 3.18%
GAINESVILLE, FL 628 $154,060,000 $245,318 $4,233 3.23%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 554 $150,920,000 $272,419 $5,254 3.37%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 445 $124,355,000 $279,449 $4,590 3.09%
SAVANNAH, GA 475 $122,455,000 $257,800 $4,832 3.35%
GREENVILLE-ANDERSON, SC 497 $116,315,000 $234,034 $3,563 3.36%
AUGUSTA-RICHMOND COUNTY, GA-SC 489 $113,935,000 $232,996 $4,936 3.19%
GAINESVILLE, GA 362 $103,470,000 $285,829 $4,134 3.23%
LOS ANGELES-LONG BEACH-GLENDALE, CA 205 $93,995,000 $458,512 $4,980 3.21%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 273 $90,915,000 $333,022 $3,274 3.13%
ATHENS-CLARKE COUNTY, GA 294 $86,850,000 $295,408 $3,999 3.22%
RALEIGH-CARY, NC 301 $85,635,000 $284,502 $3,732 3.10%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 177 $85,285,000 $481,836 $3,267 3.15%
OAKLAND-BERKELEY-LIVERMORE, CA 194 $79,660,000 $410,619 $3,105 3.12%
RICHMOND, VA 302 $79,150,000 $262,086 $3,532 3.13%
WARNER ROBINS, GA 380 $74,580,000 $196,263 $4,247 3.23%
TALLAHASSEE, FL 320 $74,340,000 $232,313 $4,164 3.12%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 292 $72,620,000 $248,699 $3,767 3.26%
BIRMINGHAM-HOOVER, AL 299 $66,575,000 $222,659 $3,913 3.16%
ORLANDO-KISSIMMEE-SANFORD, FL 227 $64,955,000 $286,145 $4,930 3.14%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 140 $63,180,000 $451,286 $5,584 3.25%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 192 $55,030,000 $286,615 $4,916 2.98%
OCALA, FL 309 $54,075,000 $175,000 $4,354 3.31%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 140 $51,610,000 $368,643 $5,071 3.05%
DURHAM-CHAPEL HILL, NC 186 $49,890,000 $268,226 $3,688 3.10%
VALDOSTA, GA 241 $43,875,000 $182,054 $4,899 3.32%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 108 $41,090,000 $380,463 $5,172 3.30%
HILTON HEAD ISLAND-BLUFFTON, SC 125 $40,215,000 $321,720 $4,328 3.26%
SPARTANBURG, SC 191 $39,195,000 $205,209 $4,236 3.29%
NORTH PORT-SARASOTA-BRADENTON, FL 139 $38,525,000 $277,158 $4,438 3.24%
GREENSBORO-HIGH POINT, NC 210 $37,340,000 $177,810 $5,039 3.12%
ANAHEIM-SANTA ANA-IRVINE, CA 67 $33,415,000 $498,731 $4,522 3.28%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 74 $33,350,000 $450,676 $3,069 3.11%
ANNISTON-OXFORD, AL 195 $32,645,000 $167,410 $4,866 3.15%
AUBURN-OPELIKA, AL 132 $28,280,000 $214,242 $3,724 3.25%
DOTHAN, AL 159 $27,615,000 $173,679 $4,167 3.27%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 77 $25,605,000 $332,532 $4,438 3.25%
CHICAGO-NAPERVILLE-EVANSTON, IL 84 $23,620,000 $281,190 $2,757 3.22%
ASHEVILLE, NC 81 $22,645,000 $279,568 $4,788 3.23%
BRUNSWICK, GA 76 $21,430,000 $281,974 $4,138 3.41%
THE VILLAGES, FL 83 $19,955,000 $240,422 $3,843 3.09%
HINESVILLE, GA 109 $19,345,000 $177,477 $4,961 3.37%
MACON-BIBB COUNTY, GA 71 $18,605,000 $262,042 $4,282 3.27%
WINSTON-SALEM, NC 97 $18,305,000 $188,711 $4,747 3.12%
ALBANY, GA 111 $16,645,000 $149,955 $4,109 3.15%
NAPLES-MARCO ISLAND, FL 55 $16,105,000 $292,818 $4,852 3.10%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 40 $15,870,000 $396,750 $7,216 3.22%
KNOXVILLE, TN 54 $14,540,000 $269,259 $3,322 3.05%
SALISBURY, MD-DE 51 $14,395,000 $282,255 $4,206 3.19%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 33 $13,055,000 $395,606 $5,430 3.23%
PENSACOLA-FERRY PASS-BRENT, FL 47 $12,895,000 $274,362 $4,588 3.08%
CHATTANOOGA, TN-GA 48 $12,870,000 $268,125 $5,265 3.38%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 26 $12,460,000 $479,231 $5,726 3.22%
PANAMA CITY, FL 55 $12,255,000 $222,818 $4,665 3.34%
CAPE CORAL-FORT MYERS, FL 43 $11,195,000 $260,349 $4,345 3.06%
SAN RAFAEL, CA 21 $10,345,000 $492,619 $2,928 3.04%
COLUMBUS, GA-AL 45 $10,295,000 $228,778 $4,137 3.21%
OXNARD-THOUSAND OAKS-VENTURA, CA 24 $10,210,000 $425,417 $3,358 3.20%
SANTA ROSA-PETALUMA, CA 24 $9,330,000 $388,750 $3,791 3.14%
DENVER-AURORA-LAKEWOOD, CO 24 $8,940,000 $372,500 $2,891 3.04%
LAKELAND-WINTER HAVEN, FL 44 $7,830,000 $177,955 $6,343 3.33%
BOSTON, MA 17 $7,795,000 $458,529 $6,417 3.18%
SUMTER, SC 37 $7,595,000 $205,270 $4,637 3.01%
MONTGOMERY, AL 36 $6,950,000 $193,056 $3,472 3.17%
STOCKTON, CA 19 $6,895,000 $362,895 $4,515 3.33%
DAPHNE-FAIRHOPE-FOLEY, AL 29 $6,795,000 $234,310 $3,949 3.39%
DALTON, GA 32 $5,970,000 $186,563 $4,153 3.20%
MIAMI-MIAMI BEACH-KENDALL, FL 14 $5,490,000 $392,143 $6,398 3.00%
SEATTLE-BELLEVUE-KENT, WA 11 $5,435,000 $494,091 $3,415 3.00%
KAHULUI-WAILUKU-LAHAINA, HI 11 $5,425,000 $493,182 $9,308 3.26%
HICKORY-LENOIR-MORGANTON, NC 23 $5,225,000 $227,174 $4,996 3.97%
GREENVILLE, NC 21 $5,185,000 $246,905 $4,835 2.91%
WILMINGTON, NC 16 $5,170,000 $323,125 $4,255 2.90%
LYNCHBURG, VA 19 $5,115,000 $269,211 $3,253 3.05%
CLARKSVILLE, TN-KY 24 $5,090,000 $212,083 $5,122 2.96%
SEBRING-AVON PARK, FL 33 $5,035,000 $152,576 $4,769 3.32%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 12 $4,980,000 $415,000 $4,814 3.03%
DALLAS-PLANO-IRVING, TX 14 $4,920,000 $351,429 $7,123 3.13%
PHOENIX-MESA-CHANDLER, AZ 17 $4,895,000 $287,941 $3,929 3.16%
PALM BAY-MELBOURNE-TITUSVILLE, FL 19 $4,845,000 $255,000 $4,579 3.14%
JACKSONVILLE, NC 17 $4,755,000 $279,706 $3,873 3.08%
ROME, GA 23 $4,625,000 $201,087 $4,844 3.50%
GULFPORT-BILOXI, MS 21 $4,395,000 $209,286 $7,423 3.38%
PORT ST. LUCIE, FL 14 $4,370,000 $312,143 $4,354 3.16%
CHARLOTTESVILLE, VA 14 $4,340,000 $310,000 $3,328 3.19%
BRIDGEPORT-STAMFORD-NORWALK, CT 10 $4,240,000 $424,000 $10,585 3.01%
VALLEJO, CA 10 $4,040,000 $404,000 $3,336 3.31%
BURLINGTON, NC 20 $3,960,000 $198,000 $4,740 3.26%
HUNTSVILLE, AL 15 $3,825,000 $255,000 $5,103 3.40%
WILMINGTON, DE-MD-NJ 11 $3,785,000 $344,091 $4,737 3.24%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 13 $3,465,000 $266,538 $3,171 3.12%
NEW BERN, NC 16 $3,380,000 $211,250 $3,608 3.04%
YORK-HANOVER, PA 14 $3,300,000 $235,714 $5,614 2.95%
HAGERSTOWN-MARTINSBURG, MD-WV 13 $3,245,000 $249,615 $6,262 2.97%
HOMOSASSA SPRINGS, FL 12 $2,910,000 $242,500 $4,534 3.20%
MADERA, CA 13 $2,825,000 $217,308 $4,984 3.67%
ROANOKE, VA 7 $2,685,000 $383,571 $4,779 3.28%
INDIANAPOLIS-CARMEL-ANDERSON, IN 10 $2,420,000 $242,000 $2,755 3.31%
PUNTA GORDA, FL 11 $2,335,000 $212,273 $3,970 3.13%
FAYETTEVILLE, NC 11 $2,265,000 $205,909 $4,684 3.28%
SANTA MARIA-SANTA BARBARA, CA 4 $2,260,000 $565,000 $3,974 3.13%
GADSDEN, AL 9 $2,135,000 $237,222 $4,929 3.14%
SANTA CRUZ-WATSONVILLE, CA 4 $2,090,000 $522,500 $3,028 3.19%
PITTSBURGH, PA 10 $2,080,000 $208,000 $4,280 3.28%
CALIFORNIA-LEXINGTON PARK, MD 8 $2,080,000 $260,000 $4,072 3.00%
FLORENCE, SC 13 $2,065,000 $158,846 $4,679 3.36%
GOLDSBORO, NC 9 $1,975,000 $219,444 $3,627 3.39%
WINCHESTER, VA-WV 8 $1,960,000 $245,000 $2,997 3.22%
YUBA CITY, CA 6 $1,840,000 $306,667 $2,658 3.14%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 6 $1,820,000 $303,333 $3,761 2.96%
WARREN-TROY-FARMINGTON HILLS, MI 6 $1,740,000 $290,000 $4,665 2.98%
NEW ORLEANS-METAIRIE, LA 5 $1,595,000 $319,000 $8,911 3.20%
SAN LUIS OBISPO-PASO ROBLES, CA 4 $1,590,000 $397,500 $2,850 3.16%
SPOKANE-SPOKANE VALLEY, WA 5 $1,555,000 $311,000 $3,456 3.50%
STAUNTON, VA 7 $1,545,000 $220,714 $4,231 2.98%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 4 $1,470,000 $367,500 $4,776 3.25%
BOULDER, CO 3 $1,465,000 $488,333 $7,222 3.16%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 5 $1,435,000 $287,000 $2,776 3.40%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 3 $1,385,000 $461,667 $2,923 2.83%
CLEVELAND-ELYRIA, OH 6 $1,340,000 $223,333 $5,731 3.04%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 5 $1,295,000 $259,000 $3,768 2.87%
TUSCALOOSA, AL 5 $1,225,000 $245,000 $3,035 3.37%
NEW BRUNSWICK-LAKEWOOD, NJ 3 $1,225,000 $408,333 $6,714 2.71%
JOHNSON CITY, TN 5 $1,195,000 $239,000 $5,027 3.30%
CINCINNATI, OH-KY-IN 5 $1,195,000 $239,000 $3,067 3.05%
SAN ANTONIO-NEW BRAUNFELS, TX 5 $1,195,000 $239,000 $3,900 2.85%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 3 $1,145,000 $381,667 $3,112 3.58%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 2 $1,140,000 $570,000 $7,251 2.75%
PROVIDENCE-WARWICK, RI-MA 3 $1,135,000 $378,333 $2,865 3.12%
LAKE HAVASU CITY-KINGMAN, AZ 4 $1,130,000 $282,500 $3,681 2.87%
BAKERSFIELD, CA 6 $1,110,000 $185,000 $3,086 3.21%
MORRISTOWN, TN 3 $1,015,000 $338,333 $9,901 3.79%
SALINAS, CA 2 $1,010,000 $505,000 $3,589 3.50%
DETROIT-DEARBORN-LIVONIA, MI 4 $1,000,000 $250,000 $2,705 3.37%
CLEVELAND, TN 4 $990,000 $247,500 $6,271 3.78%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 3 $965,000 $321,667 $9,817 2.88%
GETTYSBURG, PA 4 $930,000 $232,500 $7,495 3.03%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 4 $930,000 $232,500 $4,833 2.97%
OLYMPIA-LACEY-TUMWATER, WA 3 $925,000 $308,333 $2,667 2.75%
FORT COLLINS, CO 3 $925,000 $308,333 $2,600 3.17%
MOBILE, AL 5 $925,000 $185,000 $4,806 3.08%
KILLEEN-TEMPLE, TX 2 $920,000 $460,000 $7,546 3.56%
NEWARK, NJ-PA 3 $905,000 $301,667 $5,172 3.12%
ST. LOUIS, MO-IL 2 $890,000 $445,000 $2,717 3.06%
WORCESTER, MA-CT 3 $875,000 $291,667 $3,789 2.83%
SPRINGFIELD, MO 2 $870,000 $435,000 $3,163 4.63%
PHILADELPHIA, PA 3 $845,000 $281,667 $6,403 2.75%
TOLEDO, OH 3 $825,000 $275,000 $3,357 3.25%
COLORADO SPRINGS, CO 2 $800,000 $400,000 $3,746 2.93%
MEMPHIS, TN-MS-AR 4 $780,000 $195,000 $5,916 3.44%
ERIE, PA 2 $770,000 $385,000 $5,688 3.00%
MANCHESTER-NASHUA, NH 2 $750,000 $375,000 $3,069 2.69%
MEDFORD, OR 3 $725,000 $241,667 $5,541 2.92%
CHICO, CA 2 $720,000 $360,000 $2,752 3.81%
TUCSON, AZ 3 $695,000 $231,667 $2,868 2.67%
COLUMBUS, OH 3 $675,000 $225,000 $3,518 3.21%
MILWAUKEE-WAUKESHA, WI 1 $675,000 $675,000 $2,202 2.75%
EUGENE-SPRINGFIELD, OR 2 $660,000 $330,000 $4,925 3.56%
JACKSON, MS 2 $650,000 $325,000 $3,854 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 2 $650,000 $325,000 $3,040 2.94%
SCRANTON--WILKES-BARRE, PA 2 $600,000 $300,000 $3,886 2.68%
FLORENCE-MUSCLE SHOALS, AL 3 $585,000 $195,000 $3,255 3.08%
GRAND RAPIDS-KENTWOOD, MI 2 $580,000 $290,000 $5,626 4.00%
LEXINGTON-FAYETTE, KY 2 $560,000 $280,000 $3,275 2.75%
EL CENTRO, CA 2 $530,000 $265,000 $11,204 3.56%
NEW HAVEN-MILFORD, CT 3 $525,000 $175,000 $3,178 3.17%
TACOMA-LAKEWOOD, WA 2 $520,000 $260,000 $3,391 2.87%
NAPA, CA 1 $515,000 $515,000 $2,989 3.25%
FLAGSTAFF, AZ 1 $505,000 $505,000 $3,122 3.13%
KANSAS CITY, MO-KS 3 $495,000 $165,000 $1,926 3.29%
SOUTH BEND-MISHAWAKA, IN-MI 1 $485,000 $485,000 $2,182 3.25%
LAS VEGAS-HENDERSON-PARADISE, NV 1 $485,000 $485,000 $3,430 3.13%
ST. GEORGE, UT 1 $485,000 $485,000 $4,883 2.50%
PITTSFIELD, MA 1 $485,000 $485,000 $3,650 2.88%
FRESNO, CA 3 $465,000 $155,000 $3,220 3.46%
SEBASTIAN-VERO BEACH, FL 1 $465,000 $465,000 $3,433 3.13%
MODESTO, CA 2 $460,000 $230,000 $2,300 3.00%
WACO, TX 1 $445,000 $445,000 $4,709 2.50%
KALAMAZOO-PORTAGE, MI 1 $395,000 $395,000 $4,005 3.38%
BATON ROUGE, LA 2 $390,000 $195,000 $2,747 3.06%
BOISE CITY, ID 1 $385,000 $385,000 $3,247 3.25%
ROCKY MOUNT, NC 2 $370,000 $185,000 $3,041 3.50%
VISALIA, CA 2 $370,000 $185,000 $2,084 2.75%
ANN ARBOR, MI 1 $345,000 $345,000 $3,536 2.75%
NORWICH-NEW LONDON, CT 1 $345,000 $345,000 $8,041 2.99%
OCEAN CITY, NJ 1 $345,000 $345,000 $5,237 2.50%
RENO, NV 1 $335,000 $335,000 $3,196 2.99%
FORT WAYNE, IN 2 $320,000 $160,000 $5,645 3.38%
LANCASTER, PA 1 $315,000 $315,000 $4,877 2.50%
SANTA FE, NM 1 $315,000 $315,000 $3,372 2.75%
LIMA, OH 2 $300,000 $150,000 $4,809 3.63%
ELGIN, IL 1 $285,000 $285,000 $1,691 3.13%
SALT LAKE CITY, UT 1 $285,000 $285,000 $3,060 2.63%
GREELEY, CO 1 $265,000 $265,000 $2,881 2.99%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 1 $265,000 $265,000 $7,440 3.50%
SALEM, OR 1 $245,000 $245,000 $0 3.63%
CUMBERLAND, MD-WV 1 $245,000 $245,000 $4,134 2.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 1 $245,000 $245,000 $0 3.50%
MONROE, LA 1 $235,000 $235,000 $3,644 3.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 1 $235,000 $235,000 $8,308 3.00%
HARRISONBURG, VA 1 $235,000 $235,000 $3,028 2.63%
BLACKSBURG-CHRISTIANSBURG, VA 2 $230,000 $115,000 $4,379 4.43%
LAFAYETTE, LA 1 $225,000 $225,000 $4,130 3.00%
NILES, MI 1 $225,000 $225,000 $3,455 2.99%
GARY, IN 1 $225,000 $225,000 $3,557 2.50%
GREAT FALLS, MT 1 $225,000 $225,000 $2,949 2.88%
MERCED, CA 1 $215,000 $215,000 $0 4.00%
DECATUR, AL 1 $195,000 $195,000 $5,461 2.99%
KINGSPORT-BRISTOL, TN-VA 1 $195,000 $195,000 $6,420 2.50%
TEXARKANA, TX-AR 1 $195,000 $195,000 $0 4.00%
WAUSAU-WESTON, WI 1 $185,000 $185,000 $4,666 3.49%
MISSOULA, MT 1 $175,000 $175,000 $2,078 2.75%
EAST STROUDSBURG, PA 1 $175,000 $175,000 $3,794 2.75%
BEND, OR 1 $165,000 $165,000 $2,463 3.38%
DOVER, DE 1 $155,000 $155,000 $3,800 3.13%
KANKAKEE, IL 1 $155,000 $155,000 $2,101 2.88%
MORGANTOWN, WV 1 $155,000 $155,000 $3,480 3.00%
BOWLING GREEN, KY 1 $145,000 $145,000 $2,683 2.88%
HARRISBURG-CARLISLE, PA 1 $125,000 $125,000 $3,011 3.13%
SHREVEPORT-BOSSIER CITY, LA 1 $125,000 $125,000 $3,258 3.38%
COLUMBIA, MO 1 $115,000 $115,000 $1,951 3.25%
MUSKEGON, MI 1 $115,000 $115,000 $3,050 2.63%
AMARILLO, TX 1 $115,000 $115,000 $3,722 2.75%
MADISON, WI 1 $105,000 $105,000 $2,536 3.49%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 1 $75,000 $75,000 $3,519 4.13%

Ameris Bank's top markets include Atlanta, Washington, Jacksonville, Charleston, and Columbia among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 15,372 $4,476,770,000 $291,229
2.5-3% 15,034 $4,581,580,000 $304,748
<2.5% 1,675 $440,515,000 $262,994
4-5% 1,271 $373,545,000 $293,899
5-6% 452 $107,010,000 $236,748
6-7% 212 $49,710,000 $234,481
7-8% 8 $1,160,000 $145,000
Over 8% 1 $15,000 $15,000

During 2020, Ameris Bank's average interest rate was 3.18%, while their most frequently originated rate bucket was 3-4%, with 15,372 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 17,195 $4,930,505,000 $286,741 $4,472 3.14%
$100k-200k 8,258 $1,289,510,000 $156,153 $3,957 3.27%
$400k-600k 5,630 $2,664,420,000 $473,254 $5,041 3.12%
$100,000 or less 1,680 $106,540,000 $63,417 $2,459 3.47%
$600k-1MM 1,069 $770,255,000 $720,538 $8,117 3.42%
$1MM+ 197 $269,425,000 $1,367,640 $12,219 3.58%

2020 saw Ameris Bank place emphasis on $200k-400k loans with 17,195 originations, totaling $4,930,505,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 7,839 $2,492,295,000 $317,935 $4,482 3.16%
$50k-75k 6,597 $1,442,025,000 $218,588 $4,534 3.16%
$150k-250k 5,948 $2,239,940,000 $376,587 $4,560 3.20%
$75k-100k 5,706 $1,533,490,000 $268,750 $4,583 3.19%
$50k or less 4,235 $677,635,000 $160,008 $4,296 3.21%
$250k+ 2,570 $1,267,380,000 $493,144 $5,319 3.32%

Ameris Bank lent most frequently to those with incomes in the $100k-150k range, with 7,839 originations. The second most popular income band? $50k-75k, with 6,597 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 8,241 $2,456,125,000 $298,037 $4,083 3.15%
30-36% 6,041 $1,773,435,000 $293,566 $4,390 3.20%
<20% 3,636 $1,058,630,000 $291,152 $3,648 3.09%
50-60% 1,288 $338,720,000 $262,981 $7,413 3.17%
39% 1,233 $360,125,000 $292,072 $4,843 3.27%
44% 1,218 $354,390,000 $290,961 $4,860 3.24%
41% 1,187 $364,595,000 $307,157 $4,867 3.28%
38% 1,185 $351,655,000 $296,755 $4,682 3.23%
40% 1,174 $348,250,000 $296,635 $4,747 3.23%
42% 1,116 $344,580,000 $308,763 $4,948 3.28%
43% 1,065 $297,085,000 $278,953 $4,854 3.26%
36% 1,059 $314,645,000 $297,115 $4,473 3.22%
37% 1,053 $305,905,000 $290,508 $4,532 3.23%
45% 818 $232,480,000 $284,205 $5,003 3.21%
49% 778 $224,880,000 $289,049 $5,234 3.23%
46% 735 $214,635,000 $292,020 $4,884 3.20%
47% 704 $205,240,000 $291,534 $5,384 3.21%
48% 667 $195,015,000 $292,376 $4,950 3.22%
>60% 83 $25,275,000 $304,518 $4,563 3.21%

Ameris Bank lent most frequently to those with DTI ratios of 20-30%, with 8,241 originations. The next most common DTI ratio? 30-36%, with 6,041 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 23,822 $6,860,340,000 $287,983 $4,409 3.20%
Not provided 5,103 $1,610,645,000 $315,627 $4,455 3.16%
Black 3,077 $804,985,000 $261,614 $5,511 3.22%
Asian 1,707 $628,325,000 $368,087 $4,654 3.10%
Not applicable 100 $43,320,000 $433,200 $0 4.32%
American Indian 115 $36,795,000 $319,957 $4,877 3.18%
Native Hawaiian 71 $35,305,000 $497,254 $8,180 3.04%
Asian Indian 17 $5,995,000 $352,647 $5,915 3.43%
Other Asian 6 $1,810,000 $301,667 $6,003 3.56%
Other Pacific Islander 3 $975,000 $325,000 $6,434 2.58%
Filipino 2 $850,000 $425,000 $13,552 3.13%
Chinese 2 $400,000 $200,000 $9,051 3.88%
Vietnamese 1 $395,000 $395,000 $3,292 3.25%
Korean 1 $245,000 $245,000 $4,930 3.49%
Samoan 1 $145,000 $145,000 $5,712 2.63%
Native Hawiian 1 $125,000 $125,000 $5,798 3.50%

Approval Rates

Total approvals of all applications
92.84%

Ameris Bank has an average approval rate.

Pick Rate

Approvals leading to origination
77.95%

Ameris Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 34,029 $10,030,655,000 $294,768

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Multifamily:Site-Built 13 $24,435,000 $1,879,615
Single Family (1-4 Units):Manufactured 240 $29,920,000 $124,667
Single Family (1-4 Units):Site-Built 33,776 $9,976,300,000 $295,367

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,377 $296,965,000 $215,661 $3,246 3.27%
40-60% 4,345 $1,270,205,000 $292,337 $3,449 3.07%
60-80% 11,854 $3,797,680,000 $320,371 $3,922 3.21%
80-100% 15,238 $4,402,450,000 $288,913 $5,141 3.21%
Over 100% 630 $219,550,000 $348,492 $12,188 3.08%
Under 20% 568 $37,220,000 $65,528 $849 3.08%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Ameris Bank 79 Ne 121st Street Cross City, FL 32628 Full Service B&M $38,706
Ameris Bank 100 South Pearl Avenue Douglas, GA 31533 Full Service B&M $77,641
Ameris Bank 10 Baynard Park Newnan, GA 30265 Full Service B&M $56,209
Ameris Bank 100 Commercial Circle Keystone Heights, FL 32656 Full Service B&M $38,889
Ameris Bank 100 Southpark Blvd Saint Augustine, FL 32086 Full Service B&M $100,502
Ameris Bank 100 West Park Drive Peachtree City, GA 30269 Full Service B&M $76,390
Ameris Bank 1000 West Screven Street Quitman, GA 31643 Full Service B&M $64,807
Ameris Bank 1005 Tyrone Road Tyrone, GA 30290 Full Service B&M $49,338
Ameris Bank 101 West Hendry Street Hinesville, GA 31313 Full Service B&M $216,409
Ameris Bank 1010 Park Place Blvd Greensboro, GA 30642 Full Service B&M $20,083
Ameris Bank 102 Newnan Crossing Bypass Newnan, GA 30265 Full Service B&M $82,033
Ameris Bank 10425 Ford Ave Richmond Hill, GA 31324 Full Service B&M $86,570
Ameris Bank 10611 Deerwood Park Blvd Jacksonville, FL 32256 Full Service B&M $232,194
Ameris Bank 108 Magnolia Road Charleston, SC 29407 Limited, Drive-thru $0
Ameris Bank 109 West Third Street Donalsonville, GA 39845 Full Service B&M $51,016
Ameris Bank 10905 Jones Bridge Road Johns Creek, GA 30022 Full Service B&M $27,756
Ameris Bank 10920 Crabapple Road Roswell, GA 30075 Full Service B&M $83,323
Ameris Bank 110 Highway A1a North Ponte Vedra Beach, FL 32082 Full Service B&M $43,102
Ameris Bank 11100 San Jose Boulevard Jacksonville, FL 32223 Full Service B&M $201,097
Ameris Bank 1115 Old Peachtree Road, N.W. Suwanee, GA 30024 Full Service B&M $104,836
Ameris Bank 1120 Commerce Dr Decatur, GA 30030 Full Service B&M $271,867
Ameris Bank 114 John Frank Ward Boulevard Mcdonough, GA 30253 Full Service B&M $77,561
Ameris Bank 114 West 6th Avenue Buena Vista, GA 31803 Full Service B&M $38,870
Ameris Bank 1140 S Eufaula Avenue Eufaula, AL 36027 Full Service B&M $42,613
Ameris Bank 1170 Highway 54 Fayetteville, GA 30214 Full Service B&M $57,617
Ameris Bank 11790 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $65,711
Ameris Bank 1180 Peachtree St Ne Ste 2610 Atlanta, GA 30309 Full Service B&M $290,393
Ameris Bank 1200 Lake Murray Boulevard Irmo, SC 29063 Full Service B&M $66,340
Ameris Bank 1220 Cobb Parkway North Marietta, GA 30062 Full Service B&M $43,040
Ameris Bank 1705 East First Street Vidalia, GA 30474 Full Service B&M $192,356
Ameris Bank 1223 Johnson Ferry Road Marietta, GA 30068 Full Service B&M $110,016
Ameris Bank 1259 West Granada Boulevard Ormond Beach, FL 32174 Full Service B&M $108,822
Ameris Bank 1267 Southlake Circle Morrow, GA 30260 Full Service B&M $34,104
Ameris Bank 127 1st St E Tifton, GA 31794 Full Service B&M $189,172
Ameris Bank 1275 Riverstone Parkway Canton, GA 30114 Full Service B&M $68,841
Ameris Bank 12901 West Colonial Drive Winter Garden, FL 34787 Full Service B&M $56,390
Ameris Bank 1298 Concord Rd Se Smyrna, GA 30080 Full Service B&M $21,217
Ameris Bank 1301 Riverplace Boulevard Jacksonville, FL 32207 Full Service B&M $182,882
Ameris Bank 1315 S 3rd St Jacksonville Beach, FL 32250 Full Service B&M $107,803
Ameris Bank 1325 Hembree Road Roswell, GA 30076 Full Service B&M $116,322
Ameris Bank 1333 Main Street, Suite 100 & 200 Columbia, SC 29201 Full Service B&M $134,316
Ameris Bank 135 Perimeter Center West Atlanta, GA 30346 Full Service B&M $199,101
Ameris Bank 137 West Broad Avenue Doerun, GA 31744 Full Service B&M $26,669
Ameris Bank 1375 Highway 20 W Mcdonough, GA 30253 Full Service B&M $52,009
Ameris Bank 138 S Highway 90 East Defuniak Springs, FL 32433 Full Service B&M $48,268
Ameris Bank 140 Towne Center Boulevard Pooler, GA 31322 Full Service B&M $115,385
Ameris Bank 1425 Dunwoody Village Parkway Dunwoody, GA 30338 Full Service B&M $90,455
Ameris Bank 14288 Beach Boulevard Ste. 100 Jacksonville, FL 32224 Full Service B&M $114,975
Ameris Bank 14977 Us Hwy 19 S Thomasville, GA 31792 Full Service B&M $103,461
Ameris Bank 150 S. Monroe St Ste 100 & 200 Tallahassee, FL 32301 Full Service B&M $92,449
Ameris Bank 1583 Howell Mill Rd Atlanta, GA 30318 Full Service B&M $64,639
Ameris Bank 159 Woodstock Square Ave Woodstock, GA 30188 Full Service B&M $42,155
Ameris Bank 1595 Scenic Hwy North Snellville, GA 30078 Full Service B&M $25,014
Ameris Bank 1614 Woodruff Rd Greenville, SC 29607 Full Service B&M $93,717
Ameris Bank 162 East Crawford Street Colquitt, GA 39837 Full Service B&M $47,738
Ameris Bank 16763 Southeast Pear Street Blountstown, FL 32424 Full Service B&M $69,245
Ameris Bank 1707 First Avenue, S.E. Moultrie, GA 31768 Full Service B&M $75,002
Ameris Bank 1708 Old Trolley Road, Suite C Summerville, SC 29485 Full Service B&M $21,216
Ameris Bank 1775 Eagle Harbor Parkway Fleming Island, FL 32003 Full Service B&M $83,868
Ameris Bank 181 Cypress Point Parkway Palm Coast, FL 32164 Full Service B&M $82,787
Ameris Bank 182 West Liberty Street Lyons, GA 30436 Full Service B&M $67,222
Ameris Bank 1907 Sr 211 Hoschton, GA 30548 Full Service B&M $147,623
Ameris Bank 1908 Highway 81 East Mcdonough, GA 30252 Full Service B&M $35,511
Ameris Bank 1911 Old Ocilla Road Tifton, GA 31794 Full Service B&M $35,106
Ameris Bank 1945 Ga Highway 138 North Conyers, GA 30013 Full Service B&M $35,262
Ameris Bank 20 West May Street Winder, GA 30680 Full Service B&M $71,728
Ameris Bank 201 Ohio Avenue South Live Oak, FL 32064 Full Service B&M $84,429
Ameris Bank 201 South Broad Street Cairo, GA 39828 Full Service B&M $105,166
Ameris Bank 204 Kirkland Street Abbeville, AL 36310 Full Service B&M $23,438
Ameris Bank 2060 A1a S Saint Augustine, FL 32080 Full Service B&M $79,706
Ameris Bank 208 East Green Street Monticello, GA 31064 Full Service B&M $84,953
Ameris Bank 2080 Riverside Parkway Lawrenceville, GA 30043 Full Service B&M $96,257
Ameris Bank 210 South Oak Street Jackson, GA 30233 Full Service B&M $122,009
Ameris Bank 2101 Capital Circle Ne Tallahassee, FL 32308 Full Service B&M $14,750
Ameris Bank 2101 Veterans Boulevard Dublin, GA 31021 Full Service B&M $43,956
Ameris Bank 2110 Memorial Dr Waycross, GA 31501 Full Service B&M $60,467
Ameris Bank 214 Roswell Street Marietta, GA 30060 Full Service B&M $33,806
Ameris Bank 2200 E Main St Dothan, AL 36301 Full Service B&M $40,100
Ameris Bank 225 Sandy Springs Circle Sandy Springs, GA 30328 Full Service B&M $199,586
Ameris Bank 2255 Northlake Parkway Tucker, GA 30084 Full Service B&M $110,921
Ameris Bank 2318 Highway 155 Mcdonough, GA 30252 Full Service B&M $55,132
Ameris Bank 2348 Boundary Street Beaufort, SC 29902 Full Service B&M $111,903
Ameris Bank 2357 Sthy 90 West Lake City, FL 32055 Full Service B&M $70,767
Ameris Bank 2401 Windy Ridge Parkway Atlanta, GA 30339 Full Service B&M $158,448
Ameris Bank 2412 Cortez Rd W Bradenton, FL 34207 Full Service B&M $42,184
Ameris Bank 2494 Enterprise Road Orange City, FL 32763 Full Service B&M $23,972
Ameris Bank 2509 Osborne Rd Saint Marys, GA 31558 Full Service B&M $125,277
Ameris Bank 2513 South Main Street Moultrie, GA 31768 Full Service B&M $23,659
Ameris Bank 255 Peachtree Industrial Blvd Sugar Hill, GA 30518 Full Service B&M $12,428
Ameris Bank 26 Drayton Street Savannah, GA 31401 Full Service B&M $153,333
Ameris Bank 260 Peachtree Street, N.E. Ste 100 Atlanta, GA 30303 Full Service B&M $73,470
Ameris Bank 2601 Se Maricamp Road Ocala, FL 34471 Full Service B&M $89,645
Ameris Bank 2606 South Highway 77 Lynn Haven, FL 32444 Full Service B&M $58,107
Ameris Bank 2627 Dawson Road Albany, GA 31707 Full Service B&M $332,632
Ameris Bank 2628 Crawfordville Highway Crawfordville, FL 32327 Full Service B&M $67,145
Ameris Bank 2740 Nuckolls Road Cumming, GA 30041 Full Service B&M $49,742
Ameris Bank 2766 Race Track Rd Julington Creek, FL 32259 Full Service B&M $34,475
Ameris Bank 285 South Broad Street Ellaville, GA 31806 Full Service B&M $48,399
Ameris Bank 2936 North Druid Hills Road Atlanta, GA 30329 Full Service B&M $90,619
Ameris Bank 295 Fairview Road Ellenwood, GA 30294 Full Service B&M $61,580
Ameris Bank 3 Corporate Square Atlanta, GA 30329 Full Service Cyber Office $0
Ameris Bank 300 S Main St Moultrie, GA 31768 Full Service B&M $323,934
Ameris Bank 300 South Irwin Avenue Ocilla, GA 31774 Full Service B&M $66,322
Ameris Bank 3005 53rd Avenue East Bradenton, FL 34203 Full Service B&M $24,497
Ameris Bank 301 East Church Street Cartersville, GA 30120 Full Service B&M $131,585
Ameris Bank 301 N. Main Street Greenville, SC 29601 Limited, Administrative $0
Ameris Bank 3020 Paces Mill Road Suite 150 Atlanta, GA 30339 Full Service B&M $70,302
Ameris Bank 305 N.W. 75th Street, Tower Center Shopping Center Gainesville, FL 32607 Full Service B&M $74,169
Ameris Bank 31 Main St Unit 101 Jekyll Island, GA 31527 Full Service B&M $51,434
Ameris Bank 3140 Inner Perimeter Road Valdosta, GA 31602 Full Service B&M $166,065
Ameris Bank 3239 Vineville Ave. Macon, GA 31204 Full Service B&M $152,584
Ameris Bank 325 North Main Street High Springs, FL 32643 Full Service B&M $73,621
Ameris Bank 3299 Ross Clark Circle Dothan, AL 36303 Full Service B&M $78,680
Ameris Bank 3361 North Main Street Gainesville, FL 32602 Full Service B&M $65,111
Ameris Bank 3411 Ernest Barrett Pkwy Marietta, GA 30064 Full Service B&M $43,064
Ameris Bank 3440 Cypress Mill Road Brunswick, GA 31520 Full Service B&M $277,145
Ameris Bank 349 Coleman Blvd Mount Pleasant, SC 29464 Full Service B&M $58,220
Ameris Bank 3490 Piedmont Rd, Ne, Suite 1550 Atlanta, GA 30305 Full Service B&M $1,420,533
Ameris Bank 3490 Piedmont Road Ne Atlanta, GA 30305 Full Service B&M $0
Ameris Bank 3500 Holcomb Bridge Road Norcross, GA 30092 Full Service B&M $65,286
Ameris Bank 3505 West Lake Mary Boulevard Lake Mary, FL 32746 Full Service B&M $130,247
Ameris Bank 355 Sw Bentley Pl Lake City, FL 32025 Full Service B&M $56,486
Ameris Bank 3570 A1a South Saint Augustine, FL 32080 Full Service B&M $85,552
Ameris Bank 3595 Marietta Highway Canton, GA 30114 Full Service B&M $82,175
Ameris Bank 3607 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $43,797
Ameris Bank 3811 Frederica Road Saint Simons Island, GA 31522 Full Service B&M $45,578
Ameris Bank 4070 Us 1 S Saint Augustine, FL 32086 Full Service B&M $69,388
Ameris Bank 412 Stephenson Avenue Savannah, GA 31405 Full Service B&M $139,184
Ameris Bank 415 Grayson Highway Lawrenceville, GA 30046 Full Service B&M $43,929
Ameris Bank 4290 Hartley Bridge Rd Macon, GA 31216 Full Service B&M $4,141
Ameris Bank 4343 Roosevelt Boulevard Jacksonville, FL 32210 Full Service B&M $65,613
Ameris Bank 450 23rd Street East Panama City, FL 32405 Full Service B&M $57,850
Ameris Bank 4591 Peachtree Industrial Blvd. Berkeley Lake, GA 30092 Full Service B&M $23,717
Ameris Bank 4655 Salisbury Road, Suite 110 Jacksonville, FL 32256 Limited, Administrative $0
Ameris Bank 4806 North Henry Boulevard Stockbridge, GA 30281 Full Service B&M $186,592
Ameris Bank 4835 Town Center Parkway Jacksonville, FL 32246 Full Service B&M $199,016
Ameris Bank 485 Blanding Boulevard Orange Park, FL 32073 Full Service B&M $73,143
Ameris Bank 494 Ponce De Leon Avenue Atlanta, GA 30308 Full Service B&M $41,609
Ameris Bank 4979 Bill Gardner Pkwy. Locust Grove, GA 30248 Full Service B&M $46,755
Ameris Bank 501 W Hwy80 Pooler, GA 31322 Full Service B&M $81,568
Ameris Bank 5010 Nw 43rd St Gainesville, FL 32606 Full Service B&M $111,884
Ameris Bank 5015 Windward Pkwy Alpharetta, GA 30004 Full Service B&M $112,409
Ameris Bank 505 Haines Avenue Waycross, GA 31501 Full Service B&M $172,060
Ameris Bank 510 South Second Street Cordele, GA 31015 Full Service B&M $67,511
Ameris Bank 530 East Wade Street Trenton, FL 32693 Full Service B&M $67,898
Ameris Bank 5400 Sw College Rd Ocala, FL 34474 Full Service B&M $46,747
Ameris Bank 560 Atlantic Boulevard Neptune Beach, FL 32266 Full Service B&M $76,603
Ameris Bank 5749 Wendy Bagwell Parkway Hiram, GA 30141 Full Service B&M $32,113
Ameris Bank 5799 Hwy 21 S Rincon, GA 31326 Full Service B&M $81,304
Ameris Bank 5895 Jeff Davis Lane, Nw Acworth, GA 30101 Full Service B&M $63,763
Ameris Bank 5960 State Bridge Road Johns Creek, GA 30097 Full Service B&M $21,729
Ameris Bank 601 Reid Street Palatka, FL 32177 Full Service B&M $64,391
Ameris Bank 605 West Highway 80 Pooler, GA 31322 Limited, Administrative $0
Ameris Bank 6100 Stewart Parkway Douglasville, GA 30135 Full Service B&M $29,655
Ameris Bank 6157 Fairburn Rd Douglasville, GA 30134 Full Service B&M $150,099
Ameris Bank 7000 Sw Archer Road Gainesville, FL 32608 Full Service B&M $64,375
Ameris Bank 701 West Main Street Lexington, SC 29072 Full Service B&M $72,940
Ameris Bank 7051 Manatee Avenue West Bradenton, FL 34207 Full Service B&M $68,492
Ameris Bank 100 N Hgwy 19 Palatka, FL 32177 Full Service B&M $41,458
Ameris Bank 790 North Ponce De Leon Boulevard Saint Augustine, FL 32084 Full Service B&M $162,459
Ameris Bank 8048 Normandy Blvd Jacksonville, FL 32221 Full Service B&M $116,169
Ameris Bank 830 Old Piedmont Road Marietta, GA 30066 Full Service B&M $62,329
Ameris Bank 833 South Cobb Drive Se Marietta, GA 30060 Full Service B&M $47,187
Ameris Bank 834 Savannah Highway Charleston, SC 29407 Full Service B&M $63,602
Ameris Bank 839 South Fifth Street Macclenny, FL 32063 Full Service B&M $61,227
Ameris Bank 8410 Senoia Rd Fairburn, GA 30213 Full Service B&M $28,706
Ameris Bank 854 Washington Street Gainesville, GA 30501 Full Service B&M $166,857
Ameris Bank 901 Bowens Mill Rd Sw Douglas, GA 31533 Full Service B&M $87,896
Ameris Bank 9130 Highway 278 Ne Covington, GA 30014 Full Service B&M $6,081
Ameris Bank 922 Joe Frank Harris Pkwy Se Cartersville, GA 30120 Full Service B&M $45,177
Ameris Bank 97 South Broad Street Butler, GA 31006 Full Service B&M $45,833
Ameris Bank 9819 Cortez Road West Bradenton, FL 34210 Full Service B&M $57,211
Ameris Bank 995 North Haben Blvd Palmetto, FL 34221 Full Service B&M $24,502
Ameris Bank Highway 26 And Quail Street Melrose, FL 32666 Full Service B&M $51,781
Ameris Bank 735 W 2nd St Tifton, GA 31794 Full Service B&M $92,331
Ameris Bank 7375 Spout Springs Road Flowery Branch, GA 30542 Full Service B&M $28,352

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $726,503
Net interest income $655,369
Total noninterest income $442,791
Gross Fiduciary activities income $3,142
Service charges on deposit accounts $28,157
Trading account gains and fees $0
Additional Noninterest Income $411,492
Pre-tax net operating income $368,245
Securities gains (or losses, -) $5
Income before extraordinary items $284,152
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $284,152
Minority interest net income $0
Net income $284,152
Sale, conversion, retirement of capital stock, net $0
Net operating income $284,148

Bank Expenses

Item Value (in 000's)
Total interest expense $71,134
Provision for credit losses $126,360
Total noninterest expense $603,555
Salaries and employee benefits $352,637
Premises and equipment expense $52,501
Additional noninterest expense $198,417
Applicable income taxes $84,098
Net charge-offs $42,957
Cash dividends $93,000

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 1.0%
HELOC loans 0.0%
All other family 1.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $17,126,418
Deposits held in domestic offices $17,126,418
Deposits by Individuals, partnerships, and corporations $15,069,620
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $2,049,324
Deposits by Commercial banks and other depository institutions in U.S. $7,474
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $2,373,480
Demand deposits $1,916,198
Nontransaction accounts $14,752,938
Money market deposit accounts (MMDAs) $4,683,203
Other savings deposits (excluding MMDAs) $8,024,953
Total time deposits $2,044,782
Total time and savings deposits $15,210,220
Noninterest-bearing deposits $6,319,665
Interest-bearing deposits $10,806,753
Retail deposits $16,203,204
IRAs and Keogh plan accounts $313,372
Brokered deposits $430,201
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $20,350,488
Cash & Balances due from depository institutions $2,097,555
Interest-bearing balances $1,894,206
Total securities $983,345
Federal funds sold & reverse repurchase $20,000
Net loans and leases $15,449,161
Loan and leases loss allowance $199,423
Trading account assets $0
Bank premises and fixed assets $296,578
Other real estate owned $22,635
Goodwill and other intangibles $1,057,178
All other assets $424,036

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $20,350,488
Total Liabilities $17,516,103
Total deposits $17,126,418
Interest-bearing deposits $10,806,753
Deposits held in domestic offices $17,126,418
% insured (estimated) $70
Federal funds purchased and repurchase agreements $11,641
Trading liabilities $0
Other borrowed funds $48,955
Subordinated debt $76,150
All other liabilities $252,939

Issued Loan Types

Type Value (in 000's)
Net loans and leases $15,449,161
Loan and leases loss allowance $199,423
Total loans and leases (domestic) $15,648,584
All real estate loans $10,701,838
Real estate loans in domestic offices $10,701,838
Construction and development loans $1,606,710
Residential 1-4 family construction $625,252
Other construction, all land development and other land $981,458
Loans secured by nonfarm nonresidential properties $4,780,305
Nonfarm nonresidential secured by owner-occupied properties $1,519,916
Commercial real estate & other non-farm, non-residential $3,260,389
Multifamily residential real estate $347,951
1-4 family residential loans $3,794,455
Farmland loans $172,417
Loans held in foreign offices $0
Farm loans $53,783
Commercial and industrial loans $2,219,952
To non-U.S. addressees $0
Loans to individuals $1,052,924
Credit card loans $0
Related Plans $9,722
Consumer Auto Loans $587,821
Other loans to individuals $455,381
All other loans & leases $1,620,087
Loans to foreign governments and official institutions $0
Other loans $957,258
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $74,359
Non 1-4 family restructured loans & leases $39,190
Total loans and leases (foreign) $0

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 3,537 $868,836 $245,642
Nonfarm, nonresidential loans - <$100k 452 $16,383 $36,246
Nonfarm, nonresidential loans - $100-250k 1,034 $115,868 $112,058
Nonfarm, nonresidential loans - $250k-1MM 2,051 $736,585 $359,135
Commercial & Industrial, US addressed loans - <$1MM 81,990 $1,515,901 $18,489
Commercial & Industrial, US addressed loans - <$100k 75,570 $514,446 $6,808
Commercial & Industrial, US addressed loans - $100-250k 3,975 $372,610 $93,738
Commercial & Industrial, US addressed loans - $250k-1MM 2,445 $628,845 $257,196
Farmland loans - <$1MM 506 $55,347 $109,381
Farmland loans - <$100k 223 $8,866 $39,758
Farmland loans - $100-250k 174 $19,896 $114,345
Farmland loans - $250k-1MM 109 $26,585 $243,899
Agriculture operations loans - <$1MM 609 $23,755 $39,007
Agriculture operations loans - <$100k 468 $10,075 $21,528
Agriculture operations loans - $100-250k 90 $5,242 $58,244
Agriculture operations loans - $250k-1MM 51 $8,438 $165,451