Ameris Bancorp (ABCB) Balance Sheet
ABCB balance sheet, 2025
December 31, 2025 · U.S. dollars$27.52B assets = $23.44B liabilities + $4.08B equity
Both columns are drawn to the same scale: what ABCB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
ABCB financial health
Descriptive bands, not a rating. Fiscal 2025.
ABCB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $6.89B2016 | $27.52B2025 | +16.6%/yr | |
| Total liabilities | $6.25B2016 | $23.44B2025 | +15.8%/yr | |
| Shareholders’ equity | $646.4M2016 | $4.08B2025 | +22.7%/yr | |
| Cash & short-term investments | $1.02B2016 | $253.8M2025 | −14.3%/yr | |
| Total debt | $615.4M2016 | $743.0M2025 | +2.1%/yr | |
| Net cash (debt) | $405.7M2016 | −$489.2M2025 | −$894.9M | |
| Working capital | $5.74B2016 | −$201.4M2025 | −$5.9B | |
| Book value per share | $18.632016 | $59.332025 | +13.7%/yr | |
| Debt / equity | 0.952016 | 0.182025 | −0.77 | |
| Shares outstanding | 34.7M2016 | 68.7M2025 | +7.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
ABCB assets
ABCB liabilities and equity
ABCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
ABCB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $253.8M | $2.89B | $2.57B | $2.62B | $857.4M | $1.19B | $1.65B | $1.85B | $1.14B | $1.02B |
| Cash & equivalents | $253.8M | $1.22B | $1.17B | $1.12B | $264.8M | $203.6M | $246.5M | $182.8M | $139.3M | $127.2M |
| Short-term investments | $2.21B | $1.67B | $1.40B | $1.50B | $592.6M | $982.9M | $1.40B | $1.19B | $810.9M | $822.7M |
| Receivables | $80.0M | $0 | $0 | $0 | $0 | $14.28B | $0 | $8.48B | $6.02B | $4.61B |
| Inventory | $0 | $0 | $0 | $843,000 | $3.9M | $12.4M | $19.5M | $16.8M | $17.5M | $23.4M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $117.2M |
| Total current assets | $333.8M | $2.89B | $2.57B | $2.62B | $857.4M | $1.19B | $1.65B | $9.53B | $6.75B | $5.78B |
| Property, plant & equipment (net) | $213.1M | $209.5M | $216.4M | $220.3M | $225.4M | $222.9M | $233.1M | $145.4M | $117.7M | $121.2M |
| Goodwill & intangible assets | $1.07B | $1.09B | $1.10B | $1.12B | $1.14B | $1000.0M | $1.02B | $562.1M | $139.0M | $143.0M |
| Long-term investments | $2.50B | $1.90B | $1.62B | $1.75B | $720.0M | $2.18B | $1.47B | $1.33B | $248.2M | $135.4M |
| Other non-current assets | $23.40B | $20.17B | $19.70B | $19.35B | $20.92B | $15.85B | $13.87B | $0 | $605.0M | $716.8M |
| Total assets | $27.52B | $26.26B | $25.20B | $25.05B | $23.86B | $20.44B | $18.24B | $11.44B | $7.86B | $6.89B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $19.46B | $19.67B | $16.96B | $14.03B | $9.65B | $6.63B | $5.58B |
| Short-term debt | $535.2M | — | $11.2M | $11.3M | $17.9M | $24.8M | $1.16B | $70.0M | $205.6M | $38.9M |
| Total current liabilities | $535.2M | $21.72B | $20.71B | $19.46B | $9.26B | $16.63B | $14.63B | $70.0M | $6.59B | $38.9M |
| Long-term debt | $692.3M | $424.1M | $639.9M | $2.00B | $866.2M | $549.5M | $397.1M | $241.0M | $336.1M | $576.5M |
| Other long-term liabilities | $22.21B | $364.0M | $428.5M | $389.1M | $0 | $0 | $1.13B | $0 | $0 | $0 |
| Total liabilities | $23.44B | $22.51B | $21.78B | $21.86B | $866.2M | $549.5M | $1.53B | $9.99B | $7.05B | $6.25B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $72.9M | $72.7M | $72.5M | $72.3M | $72.0M | $71.8M | $71.5M | $49.0M | $38.7M | $36.4M |
| Retained earnings (deficit) | $2.21B | $1.85B | $1.54B | $1.31B | $1.01B | $671.5M | $507.9M | $377.1M | $273.1M | $214.5M |
| Treasury stock | — | — | — | — | −$52.4M | −$43.0M | −$35.0M | −$16.6M | −$14.5M | −$13.6M |
| Accumulated other comprehensive income | $8.3M | −$30.1M | −$35.9M | −$46.5M | $15.6M | $33.5M | $18.0M | −$4.8M | −$1.3M | −$1.1M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $4.08B | $3.75B | $3.43B | $3.20B | $22.99B | $19.89B | $16.72B | $1.46B | $804.5M | $646.4M |
| Key figures | ||||||||||
| Total debt | $743.0M | $424.1M | $639.9M | $2.00B | $884.1M | $574.3M | $1.55B | $311.0M | $541.7M | $615.4M |
| Net cash (debt) | −$489.2M | $2.47B | $1.93B | $614.1M | −$26.7M | $612.2M | $95.3M | $1.54B | $599.8M | $405.7M |
| Working capital | −$201.4M | −$18.83B | −$18.14B | −$16.84B | −$8.40B | −$15.44B | −$12.98B | $9.46B | $158.2M | $5.74B |
| Tangible book value | $3.01B | $2.67B | $2.32B | $2.08B | $21.85B | $18.89B | $15.69B | $894.2M | $665.5M | $503.5M |
| Book value per share | $59.33 | $54.29 | $49.59 | $46.06 | $329.58 | $286.48 | $285.19 | $33.67 | $21.66 | $18.63 |
| Shares outstanding | 68.7M | 69.1M | 69.1M | 69.4M | 69.8M | 69.4M | 58.6M | 43.2M | 37.1M | 34.7M |
| Current ratio | 0.62 | 0.13 | 0.12 | 0.13 | 0.09 | 0.07 | 0.11 | 136.13 | 1.02 | 148.67 |
| Quick ratio | 0.62 | 0.13 | 0.12 | 0.13 | 0.09 | 0.93 | 0.11 | 147.58 | 1.09 | 145.05 |
| Debt / equity | 0.18 | 0.11 | 0.19 | 0.63 | 0.04 | 0.03 | 0.09 | 0.21 | 0.67 | 0.95 |
| Equity / assets | 14.8% | 14.3% | 13.6% | 12.8% | 96.4% | 97.3% | 91.6% | 12.7% | 10.2% | 9.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $237.4M | $1.33B | $253.8M | $3.17B | $2.37B | $2.51B | $2.89B | $2.80B | $2.89B | $2.63B | $2.57B | $1.67B |
| Cash & equivalents | $237.4M | $1.33B | $253.8M | $1.04B | $1.17B | $1.29B | $1.22B | $1.36B | $1.36B | $1.21B | $1.17B | $241.1M |
| Short-term investments | $2.02B | $247.7M | $2.21B | $2.13B | $1.20B | $1.22B | $1.67B | $1.44B | $1.53B | $1.41B | $1.40B | $1.42B |
| Receivables | $0 | $496.6M | $80.0M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $237.4M | $1.83B | $333.8M | $3.17B | $2.37B | $2.51B | $2.89B | $2.80B | $2.89B | $2.63B | $2.57B | $1.67B |
| Property, plant & equipment (net) | $220.5M | $216.4M | $213.1M | $211.6M | $211.4M | $207.9M | $209.5M | $210.9M | $213.3M | $214.8M | $216.4M | $217.6M |
| Goodwill & intangible assets | $1.06B | $1.07B | $1.07B | $1.07B | $1.08B | $1.08B | $1.09B | $1.09B | $1.09B | $1.10B | $1.10B | $1.11B |
| Long-term investments | $2.79B | $2.66B | $2.50B | $2.40B | $2.12B | $2.18B | $1.90B | $1.67B | $1.78B | $1.64B | $1.62B | $1.67B |
| Other non-current assets | $24.17B | $22.34B | $23.40B | $20.23B | $20.91B | $20.53B | $20.17B | $20.63B | $20.54B | $20.08B | $19.70B | $21.04B |
| Total assets | $28.49B | $28.11B | $27.52B | $27.10B | $26.68B | $26.51B | $26.26B | $26.40B | $26.52B | $25.66B | $25.20B | $25.70B |
| Liabilities | ||||||||||||
| Short-term debt | $1.23B | $888.0M | $535.2M | $185.0M | — | — | — | — | — | $290.0M | $11.2M | $850.0M |
| Total current liabilities | $1.23B | $23.52B | $535.2M | $22.23B | $21.93B | $21.91B | $21.72B | $21.88B | $21.44B | $21.00B | $20.71B | $20.59B |
| Long-term debt | $1.39B | $1.02B | $692.3M | $470.9M | $510.0M | $409.6M | $424.1M | $478.3M | $1.08B | $762.2M | $639.9M | $1.34B |
| Other long-term liabilities | $21.78B | $0 | $22.21B | $384.2M | $319.8M | $369.2M | $364.0M | $360.9M | $432.2M | $411.1M | $428.5M | $421.0M |
| Total liabilities | $24.40B | $24.03B | $23.44B | $23.08B | $22.76B | $22.69B | $22.51B | $22.72B | $22.95B | $22.17B | $21.78B | $22.35B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $73.3M | $73.3M | $72.9M | $72.9M | $72.9M | $72.9M | $72.7M | $72.7M | $72.7M | $72.7M | $72.5M | $72.5M |
| Retained earnings (deficit) | $2.35B | $2.31B | $2.21B | $2.12B | $2.02B | $1.93B | $1.85B | $1.77B | $1.68B | $1.60B | $1.54B | $1.48B |
| Accumulated other comprehensive income | −$16.5M | −$1.5M | $8.3M | $5.2M | −$6.9M | −$14.4M | −$30.1M | −$15.7M | −$38.0M | −$40.0M | −$35.9M | −$60.8M |
| Total shareholders' equity | $4.09B | $4.08B | $4.08B | $4.02B | $3.92B | $3.82B | $3.75B | $3.68B | $3.57B | $3.48B | $3.43B | $3.35B |
| Key figures | ||||||||||||
| Total debt | $1.39B | $1.02B | $743.0M | $470.9M | $510.0M | $409.6M | $424.1M | $478.3M | $1.08B | $762.2M | $639.9M | $1.34B |
| Net cash (debt) | −$1.15B | $306.5M | −$489.2M | $2.70B | $1.86B | $2.10B | $2.47B | $2.32B | $1.82B | $1.86B | $1.93B | $325.8M |
| Working capital | −$994.6M | −$21.70B | −$201.4M | −$19.05B | −$19.57B | −$19.40B | −$18.83B | −$19.08B | −$18.55B | −$18.37B | −$18.14B | −$18.93B |
| Tangible book value | $3.03B | $3.02B | $3.01B | $2.94B | $2.84B | $2.74B | $2.67B | $2.59B | $2.47B | $2.39B | $2.32B | $2.24B |
| Book value per share | $60.96 | $60.22 | $59.65 | $58.50 | $56.75 | $55.39 | $54.27 | $53.30 | $51.68 | $50.49 | $49.65 | $48.51 |
| Shares outstanding | 67.1M | 67.8M | 68.3M | 68.7M | 69.0M | 69.0M | 69.1M | 69.1M | 69.0M | 69.0M | 69.0M | 69.0M |
| Current ratio | 0.19 | 0.08 | 0.62 | 0.14 | 0.11 | 0.11 | 0.13 | 0.13 | 0.13 | 0.13 | 0.12 | 0.08 |
| Quick ratio | 0.19 | 0.08 | 0.62 | 0.14 | 0.11 | 0.11 | 0.13 | 0.13 | 0.13 | 0.13 | 0.12 | 0.08 |
| Debt / equity | 0.34 | 0.25 | 0.18 | 0.12 | 0.13 | 0.11 | 0.11 | 0.13 | 0.30 | 0.22 | 0.19 | 0.40 |
| Equity / assets | 14.4% | 14.5% | 14.8% | 14.8% | 14.7% | 14.4% | 14.3% | 13.9% | 13.4% | 13.6% | 13.6% | 13.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 26, 2026); data from EODHD.
ABCB financial position
At the end of fiscal 2025 (December 31, 2025), Ameris Bancorp had total assets of $27.5 billion (up 4.8% from a year earlier), total liabilities of $23.4 billion and shareholders' equity of $4.1 billion. It held $253.8 million in cash and short-term investments against $743.0 million of debt, net debt of $489.2 million. Its current ratio was 0.62. In the latest quarter (ended June 30, 2026) total assets were $28.5 billion and equity $4.1 billion.
Related: ABCB income statement, ABCB cash flow statement, ABCB key metrics. See the ABCB stock overview for the latest quote and news.
ABCB balance sheet FAQ
What are Ameris Bancorp's total assets?
Ameris Bancorp reported total assets of $27.5 billion at the end of fiscal 2025 (December 31, 2025), compared with $26.3 billion a year earlier.
How much debt does Ameris Bancorp have?
Ameris Bancorp had $743.0 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.18.
How much cash does Ameris Bancorp have?
Ameris Bancorp held $253.8 million in cash and short-term investments at the end of fiscal 2025; with $743.0 million of debt that is net debt of $489.2 million.
What is Ameris Bancorp's book value?
Ameris Bancorp's shareholders' equity (book value) was $4.1 billion at the end of fiscal 2025, or $59.33 per share.
What is Ameris Bancorp's current ratio?
Ameris Bancorp had current assets of $333.8 million and current liabilities of $535.2 million, a current ratio of 0.62 (current liabilities exceed current assets).
How much goodwill does Ameris Bancorp have?
Ameris Bancorp carried $1.1 billion of goodwill and intangible assets, 3.9% of total assets, at the end of fiscal 2025.