FDIC Cert #20504 · Atlanta, Georgia · Est. 1971

Ameris Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$27.4B
Total assets
A
Health grade · Excellent
1.64%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

Ameris Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.43% Tier 1, profitable at 1.64% ROA, efficient (47% cost ratio).

#78
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
13.43%
Tier 1 ratio - above the 10% well-capitalized line
80th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 20504 · GA A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #313/4307
  • PHOTO-FINISH The Western State Bank · KS
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-STRONG 1.64% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: The Western State Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Ameris Bank

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ameris Bank · GA · this bank95/100Crossroads Bank · IL · near95/100HCN Bank · CA · near95/100The Bank of Greene C… · NY ·…95/100The Western State Bank · KS …95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Ameris Bank · July 2026

Call Report read for Ameris Bank in a high-failure state

Ameris Bank (FDIC Cert #20504) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #313 of 4,307. Tier 1 capital prints at 13.43%, clearing the 10% well-capitalized line. The Texas Ratio is 2.68%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.64%. Balance-sheet scale is $27.4B, 78th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Western State Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Ameris Bank

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

Ameris Bank sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about Ameris Bank's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How Ameris Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
Ameris Bank's composite health score
Tier 1 Capital Ratio (13.43%) 35/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (2.68%) 20/20
Efficiency Ratio (46.67%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$27.4B

Total balance-sheet footings

Total Deposits

$22.5B

Customer-funded liabilities

Net Loans

$21.8B

Outstanding loan book

Net Income

$438M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.03% 13.43% 14.83%
Basel III capital ratios - Ameris Bank

Where Ameris Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ameris Bank's score of 95/100 falls in the highlighted band.

Ameris Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Ameris Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Ameris Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ameris Bank's $27.4B falls in the highlighted band.

Capital & credit buffers at Ameris Bank

Tier 1 capital ratio
Well-capitalized 10%

13.43% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.43%
Texas Ratio
2.68%
Equity Capital
$4.1B

What these ratios mean →

Earnings posture at Ameris Bank

Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
11.12%
Efficiency Ratio
46.67%

What these mean →

Income & expense at Ameris Bank

$1.4B
Interest Income
$270M
Non-Interest Income
$584M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Ameris Bank reports a Texas Ratio of 2.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Ameris Bank on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Ameris Bank by assets

Ameris Bank is closely matched in total assets by WaFd Bank, WesBanco Bank, Inc., Axos Bank, Arvest Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.12%, versus Ameris Bank's own 1.64%; the average efficiency ratio is 51.30%, versus 46.67% here; and average Tier 1 capital sits at 17.06%, versus 13.43% at Ameris Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $27.4B in assets, Ameris Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Ameris Bank nationally by total assets
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  3. 3
    Axos Bank $27.2B

    San Diego, CA · Grade A

  4. 4
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

  6. 6
    United Community Bank $27.9B

    Greenville, SC · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Ameris Bank (this bank) GA $27.4B 1.64% 46.67% 13.43%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
WesBanco Bank, Inc. WV $27.6B 0.91% 57.60% 12.06%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%
Arvest Bank AR $27.8B 0.49% 83.77% 11.41%
Charles Schwab Premier Bank, SSB TX $27.0B 1.47% 15.30% 42.00%
United Community Bank SC $27.9B 1.19% 53.77% 12.34%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($27.4B here), outside Georgia so the neighborhood is not state containment.

WaFd Bank $27.3B · WA WesBanco Bank, Inc. $27.6B · WV Axos Bank $27.2B · CA Arvest Bank $27.8B · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ameris Bank (FDIC Cert #20504) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Ameris Bank Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%
Thomasville National BankThomasville $2.1B A 2.28%