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225 South Main Street
Moultrie, GA 31768

Ameris Bank is headquartered in Moultrie and is the 4th largest bank in the state of Georgia. It is also the 227th largest bank in the nation. It was established in 1971 and as of March of 2014, it had grown to 946 employees at 82 locations. Ameris Bank has a B+ health rating.

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Reviews (5)

Overcharge For Services

I had Darby bank in the past and then became Ameris bank, ok cool. I opened an account with Darby and was very pleased with their services and fees. Darby comes in and charges me fees without notice, I went out of the country for 6 months, I come back and Darby charges me $3 a month for the 6 months I didnt use my debit card... Really!? That had never happened before until they came in. Imagine in the thousands of customers they get a month at $3... No wonder Ameris is growing. To cash a third party check ?? OmG! Finger prints, and questions questions "where is the other person?" blah, blah and still can't cash or deposit checks that I have already cashed for people. First of all, if a person has an established account with you guys and enough money to back up the check if a problem, why treat a client this way? why run off your customers to another bank that can give that respect and value you can do as well. Until improvement, I don't care to bank with Ameris or recommend this bank to anyone.

Finally A Bank That REALLY Shows They Want Your Business

While big banks are getting more of our hard earned money in fees... Ameris is doing just the opposite...they are getting the big banks clients! Hats off to the Greenville branch...not only did the bank manager consistently follow up with me, he continued to show me how they could save, not only my business money, but personally too! Needless to say...I am an Ameris client. And so are 4 of my staff! I love the personal touch, quick answers to questions, and they follow up on those answers. Thank You Scott and your staff! Love banking with you! Michele - Studio M


Internet systems are out dated. The bank in general is behind the times. Not a happy place to bank! None of the offices seem to be staffed adequately, nor are they in convenient locations.

Wonderful Place To Bank

I became an Ameris Bank customer in 2011 and what an awesome experiance it has been.  When i walk into the bank i am immediatley greeted by the wonderfully happy tellers that work at Ameris.  My business is always handled quickly and are accurate.  There are abosultely no hidden fees and customers are treated with the utmost respect.  Online Bill Pay is absolutley free and very easy to use.  Their website is awesome and very easy to navigate.  Ameris Bank has thouroughly impressed me and will have my business always!  I highly reccomend becoming a member of this wonderful, fast growing Community Bank.

They Simply Suck.

Online bill pay isn't free. Need I say more? They took over Darby Bank when it went under (it wasn't much better anyways), and all of my automated payments, i.e. credit card, student loans, etc. stopped. Now I am overdue and have to call each company individually to make payments (Sally Mae charges $14.95 to pay over the phone, don't get me started about them) Arg. Well, I feel better now.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Ameris Bank had $80.77 million in non-current loans and owned real-estate with $392.67 million in equity and loan loss allowances on hand to cover it. This gives Ameris Bank a Texas Ratio of 20.57% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Ameris Bank experienced no significant changes from 22.41% as of March 31, 2013 to 20.57% as of March 31, 2014, resulting in a positive change of 8.23%.This indicates that the balance sheet and financial strength for Ameris Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Ameris Bank has increased its total deposits by $524.58 million, resulting in 21.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ameris Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ameris Bank has $3.49 billion in assets with $392.67 million in equity, resulting in a capitalization level of 11.26%, which is excellent.

Institution Statistics

FDIC Certificate #20504
Year Established1971
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.49 billion
Loans$2.53 billion
Deposits$3.02 billion
Equity Capital$369.93 million
Loan Loss Allowance$22.74 million
Unbacked Noncurrent Loans$43.07 million
Real Estate Owned$37.70 million
Historic Data - March 2013
Assets$2.86 billion
Equity Capital$323.20 million
Loan Loss Allowance$23.38 million
Unbacked Noncurrent Loans$43.07 million
Real Estate Owned$40.43 million
Profit Margin - Quarterly
Net Interest Margin4.69%
Return on Assets1.08%
Return on Equity10.17%
Interest Income$38.95 million

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Ameris Bank has 57 locations. Click to view all Ameris Bank locations.