Ameris Bancorp is a financial holding company that operates Ameris Bank, a retail and commercial bank serving communities across Georgia, Alabama, Florida, North Carolina and South Carolina through a decentralized network of full-service banking offices. The bank generates revenue primarily through lending—including commercial real estate, residential mortgages, commercial and industrial, consumer and agricultural loans—and through deposit services comprising checking, savings, money market and other accounts. Additional revenue comes from treasury and cash management services, mortgage refinancing, insurance premium financing and standard banking fees, with earnings driven by interest income on loans and investments alongside fee income and the benefit of low-cost core deposits accumulated through community relationships.