UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): ~~July~~October 2820, 2025


Ameris Bancorp
(Exact Name of Registrant as Specified in Charter)


Georgia	001-13901	58-1456434
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)


3490 Piedmont Road N.E., Suite 1550
Atlanta,	Georgia	30305
(Address of Principal Executive Offices)		(Zip Code)


Registrant’s telephone number, including area code:			(404)			639-6500



(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $1.00 per share	ABCB	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 28.~~02 Results~~01 Other ~~of Operations and Financial Condition~~Events.

On ~~July 28~~October 20, 2025, Ameris Bancorp (the “Company”) ~~issued~~announced athat ~~press~~its ~~release~~board ~~announcing~~of directors authorized the Company to repurchase up to $200 million of its ~~unaudited~~outstanding ~~financial~~common ~~results~~stock. ~~for~~Repurchases ~~the~~of ~~quarter~~shares, ~~ended~~which ~~June~~are 30authorized to occur through October 31, ~~2025.~~2026, Amust ~~copy~~be ofmade ~~that~~in ~~press~~accordance ~~release~~with isapplicable ~~attached~~securities laws and may be made from time to ~~this~~time ~~Current~~in ~~Report~~the open market or by negotiated transactions. The amount and timing of repurchases will be based on ~~Form~~a ~~8-K~~variety ~~(this~~of ~~“Report”)~~factors, asincluding ~~Exhibit~~share 99acquisition price, regulatory limitations and other market and economic factors.1 The program does not require the Company to repurchase any specific number of shares.

The ~~information~~Company ~~contained~~issued ina ~~this~~press ~~Item~~release ~~2.02~~announcing ~~and in Exhibit 99.1 attached to this Report is being furnished and shall not be deemed filed for purposes of Section 18 of~~ the ~~Securities~~authorization ~~Exchange Act~~ of ~~1934, as amended, or otherwise subject to~~ the ~~liabilities~~share ofrepurchase ~~such section~~plan. ~~Furthermore,~~A ~~such~~copy ~~information~~of ~~shall~~that ~~not~~press berelease ~~deemed~~is toattached ~~be incorporated by reference into any registration statement or other document filed pursuant~~ to ~~the~~this ~~Securities~~Current ~~Act~~Report ofon ~~1933,~~Form 8-K as ~~amended~~Exhibit 99.1.

Item 7.01 Regulation FD Disclosure.

A copy of the investor presentation material that the Company will present regarding its earnings during the teleconference beginning at 9:00 a.m. Eastern time on July 29, 2025 is attached to this Report as Exhibit 99.2. The investor presentation material is also available on the “Investor Relations” page of the Company’s website (http://www.amerisbank.com).

The information contained in this Item 7.01 and in Exhibit 99.2 attached to this Report is being furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of such section. Furthermore, such information shall not be deemed to be incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

99.1			Press Release Dated ~~July~~October 2820, 2025
99.2			Investor Presentation re: 2nd Quarter 2025 Results
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

AMERIS BANCORP


By:			/s/ Nicole S. Stokes
			Nicole S. Stokes
			Chief Financial Officer

Date: ~~July 28~~October 20, 2025

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