Ameris Bank

What Ameris Bank does

Ameris Bank is a full-service regional commercial bank headquartered in Atlanta, Georgia, founded in 1971, operating 434 full-service branches concentrated in the Southeast (Alabama, Florida, Georgia, North Carolina, South Carolina) and mortgage-only operations across eight Mid-Atlantic and Southeast states. The bank serves four primary customer segments — individual consumers, small businesses, mid-market commercial clients, and specialized industries (agribusiness, healthcare, dental, veterinary, legal, municipal, and others) — through a hybrid distribution model combining physical branches, dedicated business and mortgage bankers, and online/mobile banking channels that enable nationwide deposit account opening.

The product portfolio spans core deposit products (checking, savings, money market, CDs, IRAs, HSAs, Coverdell ESAs), consumer lending (auto, HELOC, personal loans, credit cards via partner), residential mortgages (conventional, FHA, VA, USDA, construction), and commercial banking (SBA loans, equipment financing, treasury management including ACH, wires, payroll, merchant services, lockbox, and positive pay fraud prevention). The technology stack consists of a digital banking platform with mobile and online access, Zelle P2P integration, mobile deposit, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), and real-time card controls. Mortgage servicing is outsourced to Dovenmuehle Mortgage Inc. The bank also owns Balboa Capital, a wholly-owned equipment financing subsidiary serving small businesses.

Revenue is generated primarily through net interest income on consumer and commercial lending (auto, mortgage, HELOC, CRE, SBA, business lines of credit), supplemented by non-interest income from deposit service fees (e.g., $8–$20/month checking fees), overdraft and ATM fees, mortgage origination and servicing fees, treasury management fees, and credit card interchange via partner. The commercial credit card (OneCard) supports T&E management. The company monetizes its geographic footprint through relationship banking and cross-selling across deposits, lending, treasury, and specialty banking programs.

Name

Ameris Bank

Legal name

Ameris Bank

Website

https://amerisbank.com

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Ameris Bank is a 1971-founded regional bank headquartered in Atlanta, operating 434 full-service branches across the Southeast and serving consumers, small businesses, mid-market commercial clients, and 12 specialized industries with deposits, lending, mortgages, and treasury services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI)

Keywords

• Community banking services
• Commercial lending solutions
• Residential mortgage financing
• Treasury management services
• Consumer deposit products

Headquarters

HQ city

Moultrie

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from consumer and commercial lending including auto loans, mortgages, HELOCs, commercial real estate loans, SBA loans, and business lines of credit. Offset by interest paid on deposits.
2. Non-Interest Income - Deposit Fees: Monthly service fees on checking and savings accounts (e.g., Benefits Checking $8/month, Interest Checking $20/month), overdraft fees, ATM fees, wire transfer fees, and account service charges.
3. Mortgage Banking: Mortgage origination and servicing fees. Servicing handled by Dovenmuehle Mortgage Inc. on behalf of Ameris Bank.
4. Treasury Management Services: ACH services, wire transfers, payroll processing, merchant card services, lockbox, and other commercial cash management solutions.
5. Credit Cards: Credit card products through external partnership for consumer and business credit cards.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Ameris Bank is a full-service regional community bank operating 434 branch locations across the Southeast and Mid-Atlantic United States. It provides consumer deposit products (checking, savings, money market, CDs, IRAs), consumer lending (auto, HELOC, personal loans, credit cards), residential mortgages (FHA, VA, USDA, conventional, construction), and comprehensive business and commercial banking (business checking, SBA loans, equipment financing, treasury management, merchant services). The bank also offers specialized industry banking for healthcare, agribusiness, dental, veterinary, legal, and municipal sectors.

Product overview

Ameris Bank is a full-service regional financial institution offering a comprehensive suite of banking products and services across consumer, business, and commercial segments. The core product portfolio spans deposit accounts (checking, savings, money market, CDs, IRAs), consumer lending (auto loans, HELOCs, personal loans, credit cards), residential mortgages (conventional, FHA, VA, USDA, construction), and business/commercial banking (checking, lending, treasury management). Digital banking capabilities are offered through online and mobile platforms with card controls and Zelle integration. The bank operates with a hub-and-spoke model: checking and savings accounts form the foundational deposit products, with lending products (mortgage, consumer, business) cross-sold across segments. Specialty banking programs target specific demographics (students, at-work employees, premier clients) and industries (healthcare, agribusiness, legal, municipal). Treasury services including ACH, wire transfers, payroll, and fraud prevention tools serve commercial clients. The institution serves customers in the Southeast and Mid-Atlantic through 434 locations with nationwide access via digital channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking No-cost basic personal checking account with no minimum balance requirements or monthly service fee. Includes Visa debit card, online banking, mobile banking, Zelle, paperless statements, and bill pay. $50 minimum opening deposit.
• Benefits Checking Premium personal checking account with fraud prevention services including IDProtect identity theft monitoring, credit file monitoring from all three bureaus, cell phone protection up to $400, and $10,000 ID theft reimbursement. $8 monthly service fee ($6 with paperless statements).

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

One partnership is on record.

• PaychexminorGTM or Marketing PartnerPaychex payroll partnership referenced on business banking page. Partnership allows business customers to access payroll services through Ameris Bank's business banking platform.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Truist Financial Corporation: Large Southeast-headquartered super-regional bank ($500B+ assets) with full consumer, commercial, and wealth services; a key incumbent competitor across Ameris's footprint in FL, GA, NC, SC, VA.

Direct peers

• Pinnacle Financial Partners: Tennessee-based high-performing commercial banking franchise emphasizing relationship-driven middle-market and SMB banking with strong advisor culture; comparable mid-size regional banking model.
• Cadence Bank: $50B+ asset regional bank with comparable geographic footprint across Southeast and Texas, offering consumer and commercial banking with specialty lending verticals.
• Atlantic Union Bankshares: Virginia-headquartered commercial bank serving Mid-Atlantic and Carolinas with comparable deposit-funded commercial lending model and SBA focus, similar scale to Ameris.
• ServisFirst Bancshares: Alabama-headquartered commercial bank with strong Southeast presence focused on relationship-based commercial and consumer banking; comparable size and lending mix including CRE.
• Tompkins Financial Corporation: Mid-size regional bank offering full-service consumer and commercial banking with specialty verticals (insurance, wealth); comparable community banking model at slightly smaller scale.
• Regions Bank: Mid-size commercial and consumer bank with strong Southeast footprint (headquartered Birmingham, AL) — directly overlaps Ameris's coverage in AL, GA, FL, TN, NC, SC with similar SMB and CRE lending focus.
• WesBanco, Inc. Mid-Atlantic regional bank with comparable commercial and retail banking offering including SBA lending, treasury management, and consumer mortgage products.
• United Community Banks: Georgia-based regional bank with strong Southeast presence in GA, FL, NC, SC, TN and similar commercial/specialty banking approach including SBA Preferred lender status.
• First Horizon Corporation: Southeast and Mid-South regional bank with ~$80B assets focused on commercial banking, specialty lending, and deposits; competes head-to-head in several of Ameris's footprint markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/amerisbank
• YouTubeyoutube.com/channel/UC-SKbAom7QZjIJ9wY9IjHKA
• Facebookfacebook.com/amerisbank
• LinkedInlinkedin.com/company/amerisbank
• Instagraminstagram.com/amerisbank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments6 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ameris Bank