Who are Ameris Bancorp's competitors, and what are the alternatives?
Ameris's 2025 10-K, filed February 26, 2026, says deposit competition comes from other commercial banks, thrifts, savings banks, internet banks, credit unions and brokerage firms. It adds that loan competition includes insurers, consumer finance companies, mortgage companies and leasing companies, and it names FinTech firms and stablecoin issuers as new rivals. In Georgia, its largest state, FDIC data for June 30, 2025 rank Ameris fifth by deposits with $14.9 billion in 102 offices. Truist ($69.0 billion), Bank of America ($53.7 billion), Wells Fargo ($46.1 billion) and Synovus ($27.3 billion), now part of Pinnacle, are ahead of it. JPMorgan Chase, United Community, Regions, Bank OZK and SouthState follow. In Florida it is a smaller player, 23rd with $5.9 billion. The regional banks it meets most often are also in its own 2026 proxy peer group: SouthState, Pinnacle, United Community, Renasant and Hancock Whitney. Several are buying into its markets. United Community bought Gainesville, Georgia's Peach State Bancshares, Hancock Whitney closed One Florida Bank in August 2026, and Seacoast now runs 104 offices in Florida and Georgia. Ameris also runs national lines in mortgage, warehouse lending, equipment finance and insurance premium finance. In those lines its 10-K names mortgage, leasing and finance companies as rivals. The non-bank rivals are clearest in deposits and payments. Chime had 10.4 million active members in June 2026, and Block lists banks among Square's competitors.[1][2][3][4][5][6][7][8][9]
Data as of Oct 19, 2026 · Ameris profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
What does Ameris say about its competition?
"The banking industry in general, and in the southeastern United States specifically, is highly competitive and dramatic changes continue to occur throughout the industry. While our select market areas in Georgia, Alabama, Florida, North Carolina and South Carolina have experienced strong population growth in recent decades, intense market demands, national and local economic pressures, including a higher interest rate environment, and increased customer awareness of product and service differences among financial institutions have forced banks to diversify their services and become much more cost effective. Over the past few years, our Bank has faced strong competition in attracting deposits at profitable levels."[1]
"Competition for deposits comes from other commercial banks, thrift institutions, savings banks, internet banks, credit unions, and brokerage and investment banking firms. Interest rates, online banking capabilities, convenience of office locations and marketing are all significant factors in our Bank's competition for deposits. Competition for loans comes from other commercial banks, thrift institutions, savings banks, insurance companies, consumer finance companies, credit unions, mortgage companies, leasing companies and other institutional and non-traditional lenders."[1]
"Competition among providers of financial products and services continues to increase with consumers having the opportunity to select from a growing variety of traditional and nontraditional alternatives, including FinTech firms, stablecoin issuers and other non-bank providers of financial services. While technological innovation has been central to the development of the financial services industry and to our strategy, tech firms increasingly compete directly with banks for a variety of financial product offerings. Management expects that competition will become more intense in the future due to changes in state and federal laws and regulations and the entry of additional bank and non-bank competitors. Further, the industry continues to consolidate, which affects competition by eliminating some regional and local institutions, while strengthening the franchise of acquirers." (2025 Form 10-K, filed February 26, 2026.)[1]
Who competes with Ameris in each of its businesses?
| Business line | Competitor | Type | Why it competes |
|---|---|---|---|
| Home region: Georgia, Florida and the Carolinas | Truist | Bank | First in Georgia by deposits at June 30, 2025, with $69.0 billion in 203 offices against Ameris's $14.9 billion in 102; its 10-K also ranks it fourth by Florida deposit share with 441 Florida branches.[2][10] |
| Home region: Georgia, Florida and the Carolinas | Pinnacle Financial Partners (Synovus) | Bank | Synovus was fourth in Georgia by deposits at June 30, 2025, with $27.3 billion, one place ahead of Ameris; it merged with Pinnacle on January 1, 2026 into a bank with 400-plus locations in nine states. Pinnacle sits in Ameris's 2026 proxy peer group.[2][11][4] |
| Home region: Georgia, Florida and the Carolinas | United Community Banks | Bank | Seventh in Georgia by deposits, with $11.5 billion at June 30, 2025; it agreed in April 2026 to buy Gainesville, Georgia's Peach State Bancshares, which holds the number-one share in Hall County. A member of Ameris's 2026 proxy peer group.[2][5][4] |
| Home region: Georgia, Florida and the Carolinas | SouthState | Bank | Tenth in Georgia by deposits ($8.3 billion) and fifth in South Carolina ($11.4 billion) at June 30, 2025; it ranks itself fourth among regional banks in the Atlanta-Charlotte corridor. A member of Ameris's 2026 proxy peer group.[2][12][13][4] |
| Home region: Georgia, Florida and the Carolinas | Regions Financial | Bank | Eighth in Georgia by deposits at June 30, 2025; Regions ran 117 Georgia and 270 Florida branches at end-2025 and is adding 150 branches in Florida, Georgia and Tennessee.[2][14][15] |
| Home region: Georgia, Florida and the Carolinas | Seacoast Banking Corporation of Florida | Bank | Seacoast had 104 branch offices in Florida and Georgia at December 31, 2025 after buying the bank of The Villages; Ameris holds $5.9 billion of Florida deposits in 50 offices.[7][16][3] |
| Home region: Georgia, Florida and the Carolinas | Bank OZK | Bank | Ninth in Georgia by deposits at June 30, 2025, with $9.1 billion in 68 offices.[2] |
| Retail deposits, checking and everyday digital banking | Bank of America | Bank | Second in Georgia ($53.7 billion) and first in Florida ($170.8 billion) and South Carolina by deposits at June 30, 2025; 60 million clients use its digital capabilities.[2][3][12][17] |
| Retail deposits, checking and everyday digital banking | Wells Fargo | Bank | Third in Georgia by deposits at June 30, 2025, with $46.1 billion in 180 offices, and second in Florida and South Carolina.[2][3][12] |
| Retail deposits, checking and everyday digital banking | JPMorgan Chase | Bank | Sixth in Georgia by deposits at June 30, 2025, with $13.3 billion in 113 offices, just behind Ameris; it reported 74.6 million active digital customers in 2025.[2][18] |
| Retail deposits, checking and everyday digital banking | Chime | Fintech | An internet bank of the kind Ameris's 10-K names among deposit competitors; Chime's 10-K claims a cost advantage over traditional banks by avoiding branches, and it had 10.4 million active members at June 30, 2026.[1][19][8] |
| Retail deposits, checking and everyday digital banking | Cash App (Block) | Fintech | One of the FinTech firms Ameris's 10-K says increasingly compete with banks; Block's 10-K lists banks among Cash App's competitors, and Cash App had 59 million monthly transacting actives in December 2025.[1][9] |
| Commercial and business banking | ServisFirst Bancshares | Bank | A Birmingham-based commercial bank fourth in Alabama by deposits ($9.0 billion in 13 offices at June 30, 2025), opening in Florida's Panama City in May 2026; Ameris holds $0.16 billion in Alabama.[20][21] |
| Commercial and business banking | Hancock Whitney | Bank | A member of Ameris's 2026 proxy peer group that bought Orlando's One Florida Bank for about $377.6 million, closing on August 1, 2026, adding commercial scale in Central Florida.[4][6][22] |
| Commercial and business banking | Pinnacle Financial Partners | Bank | A commercial-banking rival across Georgia after absorbing Synovus; Pinnacle reported 50 Coalition Greenwich Best Bank awards for its legacy banks in February 2026.[11][23][2] |
| Small business banking, payments and specialty lending | Bank of America | Bank | Calls itself the number one small business lender in the US, citing FDIC data, serving 4 million small businesses; Ameris sells business banking and nationwide specialty loans.[17][1] |
| Small business banking, payments and specialty lending | Square (Block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors, the services Ameris sells to business customers.[9] |
| Small business banking, payments and specialty lending | Insurance, leasing and finance companies | Non-bank lender | Ameris's 10-K names insurance companies, consumer finance companies and leasing companies among its loan competitors; it originates equipment-finance and insurance premium finance loans nationwide.[1] |
| Mortgage and warehouse lending | Mortgage companies | Non-bank lender | Ameris's 10-K names mortgage companies among its loan competitors. Its Retail Mortgage Division originates, sells and services one-to-four family loans, and its Warehouse Lending Division lends to other mortgage businesses. Mortgage banking income was $32.5 million in the second quarter of 2026, down from $39.2 million a year earlier.[1][24] |
How do the AI and digital offerings of Ameris's competitors compare?
Ameris first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.
| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
|---|---|---|---|
| Ameris Bancorp (this page) | Not disclosed | Index 20.7 (#97); 11 use cases, 9 in production | Q2 2026 10-Q: no AI language; technology cost and premium finance figures (Aug 7, 2026)[24] |
| Truist | Truist Assist chatbot: 12.5 million+ requests from 2023 to March 2026[25] | Index 82.6 (#16); 15 use cases, 13 in production | Mid-table on AI-judged reputation (Sep 18, 2026)[26] |
| Pinnacle Financial Partners (Synovus) | A head of AI and almost 20 AI engineers; ChatPFP banker assistant[27][28] | Index 65.3 (#42); 12 use cases, 9 in production | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026)[29] |
| United Community Banks | Contact-center chatbots and vendor fraud AI; fraud losses down 50% over two years[30] | Index 38.7 (#75); 13 use cases, 8 in production | Customer guidance on AI-enabled scams (Sep 18, 2026)[31] |
| SouthState | 2,500+ premium Copilot users and a GenAI Knowledge Assistant (June 2026)[13] | Index 70.9 (#33); 20 use cases, 10 in production | Q3 2026 results scheduled (Oct 2, 2026)[32] |
| Regions Financial | In-house native app with personalized insights; 2.7 million active mobile users[33][34] | Index 83.8 (#15); 15 use cases, 13 in production | Core deposits planned for 2027 (Oct 6, 2026)[35] |
| Seacoast Banking Corporation of Florida | Quavo agentic-AI dispute management (December 2025)[36] | Index 42.1 (#67); 11 use cases, 10 in production | Abrigo publishes Seacoast loan-review AI case study (Oct 8, 2026)[37] |
| Bank OZK | Co-developer of AI agents on Fiserv's agentOS (May 2026)[38] | Index 29.5 (#89); 8 use cases, 4 in production | U.S. Bank hires from Bank OZK for its Sun Belt push (Aug 31, 2026)[39] |
| Bank of America | Erica virtual assistant: more than 24.6 million clients helped[17] | Index 97.3 (#1); 18 use cases, 16 in production | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026)[40][41][42] |
| Wells Fargo | Fargo virtual assistant: more than 1 billion interactions (March 2026)[43] | Index 88.8 (#7); 16 use cases, 13 in production | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026)[44][45] |
| JPMorgan Chase | Smart Cash AI cash tool in a targeted pilot (October 2026)[46] | Index 89 (#6); 15 use cases, 8 in production | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026)[47][46][48] |
| Chime | Jade, an in-app AI financial partner available to some members[49] | 8 use cases, 6 in production | Agreement to acquire Stride Bank (Sep 8, 2026)[50] |
| Cash App (Block) | Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026)[51] | 7 use cases, 6 in production | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[51] |
| ServisFirst Bancshares | Covecta agentic AI across operations (September 2026)[52] | Index 39.7 (#72); 6 use cases, 4 in production | Trade press frames Covecta as a third US bank client (Sep 15, 2026)[53] |
| Hancock Whitney | AI Working Group approving use cases; AI tools in the security program[54] | Index 37.4 (#78); 11 use cases, 5 in production | 'AI is raising business cyber risk' guidance (Sep 9, 2026)[55] |
| Pinnacle Financial Partners | 13 AI initiatives, including credit intelligence to shorten application-to-closing time[56] | Index 65.3 (#42); 12 use cases, 9 in production | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026)[29] |
| Square (Block) | Managerbot, an AI business agent for Square sellers[57] | 7 use cases, 6 in production | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026)[51] |
| Insurance, leasing and finance companies | Not disclosed | No profile | Not disclosed |
| Mortgage companies | Not disclosed | No profile | Not disclosed |
Who should look beyond Ameris, and where?
| If you are | Look at | Why |
|---|---|---|
| Customers who want an AI virtual assistant inside the banking app | Bank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist) | Ameris has disclosed no customer-facing AI assistant. Erica helps more than 24.6 million clients, Fargo passed 1 billion interactions in March 2026, and Truist Assist logged 12.5 million+ requests from 2023 to March 2026.[1][17][43][25] |
| People who need branches outside Georgia, Florida, Alabama and the Carolinas | JPMorgan Chase or Bank of America | Ameris operates 163 full-service offices, all in those five states (December 31, 2025). Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers.[1][18][17] |
| Customers who want a branchless, app-only checking account | Chime | Ameris is a branch-based bank. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its AI financial partner.[1][19][8][49] |
| Businesses that want a bank with more branches in Florida | Seacoast or Regions | Ameris ranks 23rd in Florida by deposits, with $5.9 billion in 50 offices (June 30, 2025). Seacoast had 104 branch offices in Florida and Georgia at end-2025, and Regions ran 270 Florida branches.[3][7][14] |
| Sellers who want card acceptance, point-of-sale software and banking from one provider | Square (Block) | Block's 10-K lists banks that provide payment processing, checking, savings, loans and payroll among Square's competitors; Square sellers also get Managerbot, an AI business agent.[9][57] |
Where does Ameris rank by deposits in its home states, and who is bigger?
FDIC Summary of Deposits data as of June 30, 2025: deposits booked in each bank's offices in the state, summed by institution, national banks included. Figures are rounded. Synovus merged into Pinnacle on January 1, 2026.
| State | Ameris deposits (offices) | Ameris rank | Larger banks in the state |
|---|---|---|---|
| Georgia | $14.9 billion (102) | 5th of 187 | Truist $69.0 billion, Bank of America $53.7 billion, Wells Fargo $46.1 billion, Synovus $27.3 billion[2] |
| Florida | $5.9 billion (50) | 23rd of 195 | Bank of America $170.8 billion, Wells Fargo $90.1 billion, JPMorgan Chase $75.8 billion, Truist $73.7 billion and others, including BankUnited $21.6 billion[3] |
| South Carolina | $1.0 billion (11) | 23rd of 76 | Bank of America $19.4 billion, Wells Fargo $17.2 billion, Truist $14.1 billion, First Citizens $12.3 billion, SouthState $11.4 billion and others[12] |
| Alabama | $0.16 billion (4) | 90th of 132 | Regions $31.6 billion, PNC $11.1 billion, Wells Fargo $9.6 billion, ServisFirst $9.0 billion and others[20] |
Which banks does Ameris itself benchmark against?
Ameris's 2026 proxy statement says its compensation peers are 'comparably sized companies with which we compete for business and executive talent', chosen for similar operations and footprint, assets and market capitalization between about one-third and three times Ameris's, and competition for executive talent. For 2025 the 17 were UMB, SouthState, Pinnacle, Cadence, Bank OZK, Prosperity, Atlantic Union, Hancock Whitney, United Bankshares, Commerce, Fulton, United Community, Renasant, Simmons, Home BancShares, Trustmark and Hilltop.[4]
Consolidation is reshaping that list. Synovus is now part of Pinnacle, Cadence was bought by Huntington, which closed the deal on February 2, 2026, and Renasant completed its merger with The First Bancshares on April 1, 2025. Ameris's own 10-K says consolidation eliminates some regional and local institutions 'while strengthening the franchise of acquirers'.[11][58][59][1]
Ameris also competes outside its branch footprint. Its 10-K says it originates loans outside its market areas through national lines of business, including equipment finance, premium finance and government guaranteed lending, and that it serves consumer and business customers nationwide through select lending channels. It reports four segments: Banking, Retail Mortgage, Warehouse Lending and Premium Finance. In those national lines its rivals are not the Southeast regionals but the insurers, leasing companies, finance companies and mortgage companies its 10-K lists.[1]
Who are Ameris Bank's biggest competitors?
By deposits in Georgia, its largest state, Truist, Bank of America, Wells Fargo and Synovus (now Pinnacle) are ahead of it, with JPMorgan Chase, United Community, Regions, Bank OZK and SouthState close behind (FDIC, June 30, 2025). Its 10-K names commercial banks, thrifts, internet banks, credit unions, brokerages, FinTech firms and stablecoin issuers as competitor classes.[2][1]
Is Truist a competitor of Ameris?
Yes, most of all in Georgia, where Truist held $69.0 billion of deposits in 203 offices at June 30, 2025, against Ameris's $14.9 billion in 102. On digital, Truist Assist logged 12.5 million+ requests from 2023 to March 2026; Ameris discloses no customer AI assistant.[2][25][1]
Is Chime a competitor of Ameris?
In deposits, yes by category: Ameris's 10-K names internet banks and FinTech firms among its competitors, and Chime's 10-K says its digital-first model gives it a cost advantage over traditional banks. Chime had 10.4 million active members at June 30, 2026. Neither company names the other.[1][19][8]
Does Ameris compete with Pinnacle after the Synovus merger?
Yes. Pinnacle sits in Ameris's 2026 proxy peer group, and Synovus, which merged into Pinnacle on January 1, 2026, was fourth in Georgia by deposits at June 30, 2025, one place ahead of Ameris. The combined bank has 400-plus locations in nine states.[4][2][11]
What are alternatives to Ameris for small business banking?
Bank of America calls itself the number one US small business lender, citing FDIC data, with 4 million small-business clients, and Square sells payments, point-of-sale software and banking to sellers. Among regionals, ServisFirst, fourth in Alabama by deposits, opened in Florida's Panama City in May 2026, and United Community has a sales force about 17% larger than in September 2025.[17][9][21][60]
Who competes with Ameris in Florida?
Florida's largest deposit holders are Bank of America, Wells Fargo, JPMorgan Chase and Truist; Ameris ranks 23rd with $5.9 billion (June 30, 2025). Among regionals, Seacoast runs 104 offices in Florida and Georgia, Regions 270 Florida branches, and Hancock Whitney bought Orlando's One Florida Bank in August 2026.[3][7][14][6]
Who competes with Ameris in mortgage lending?
Ameris's 10-K names mortgage companies, credit unions and other banks among its loan competitors. Its Retail Mortgage Division originates and sells home loans, and a Warehouse Lending Division lends to other mortgage businesses. Mortgage banking income was $32.5 million in the second quarter of 2026, against $39.2 million a year earlier.[1][24]
Is Bank of America a competitor of Ameris?
Yes, in every Ameris state. Bank of America was second in Georgia by deposits at June 30, 2025, with $53.7 billion, and first in Florida and South Carolina. It calls itself the number one US small business lender, citing FDIC data, and says Erica helps more than 24.6 million clients; Ameris discloses no comparable assistant.[2][3][12][17]
- Ameris Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- FDIC Summary of Deposits, Georgia branches, deposits aggregated by institution (June 30, 2025)
- FDIC Summary of Deposits, Florida branches, deposits aggregated by institution (June 30, 2025)
- Ameris Bancorp 2026 Proxy Statement (Schedule 14A)
- UCB to add heft near Atlanta with latest bank deal
- Hancock Whitney Completes One Florida Bank Acquisition
- Seacoast Banking Corporation of Florida Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Chime Reports Second Quarter 2026 Financial Results
- Block, Inc. Annual Report 2025 (Form 10-K)
- Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion
- FDIC Summary of Deposits, South Carolina branches, deposits aggregated by institution (June 30, 2025)
- SouthState second-quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2)
- Regions Financial Corporation Annual Report on Form 10-K for 2025
- Regions accelerates plan to build 150 new branches
- Seacoast Completes Acquisition of Villages Bancorporation, Inc. (Form 8-K, Exhibit 99.1)
- Bank of America Fast Facts (undated page, retrieved 2026-10-19)
- JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025
- Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- FDIC Summary of Deposits, Alabama branches, deposits aggregated by institution (June 30, 2025)
- ServisFirst Bank Opens New Panama City Office
- Hancock Whitney inks deal to buy Orlando community bank
- Pinnacle Financial Partners Earns a Combined 50 Coalition Greenwich Best Bank Awards – More Than Any Other Bank in the Country
- Ameris Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K)
- People use AI to gauge banks' reputations, and its verdicts are harsh
- Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile)
- Pinnacle Financial Partners (PNFP) Q2 FY2026 earnings call transcript
- The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners
- United Community Banks first-quarter 2026 earnings call transcript (filed under Rule 425)
- Protect Your Business from Payment Fraud and Account Takeover
- SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date
- Regions Bank Launches Personalized Insights for Mobile Banking Customers
- Regions Bank's Mobile Upgrade Drives Digital Transactions to 80%
- 'Progressive modernization' for cores
- Seacoast Bank and Quavo Partner to Enhance Dispute Operations and Reduce Fraud Losses
- Seacoast Bank cuts complex loan review documentation time nearly in half with Abrigo Loan Review Assistant
- Fiserv Launches agentOS: The Operating System for Agentic AI in Banking
- U.S. Bank's business banking expansion targets the Sun Belt
- U.S. Treasury Announces Record Enforcement Actions Against Bank of America
- OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance
- BofA fined $1.21 billion over AML
- Wells Fargo Reaches Major Digital Milestones
- Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets
- Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share
- JPMorgan CEO Dimon warns customers of 'liability transfer' with AI
- JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts
- JPMorgan warns of risks to consumers who rely on AI agents
- What is Jade Financial Partner? (help centre, retrieved 2026-09-23)
- Chime Announces Agreement to Acquire Stride Bank
- Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K)
- ServisFirst Bank Selects Covecta to Deploy Agentic AI Across its Operations
- ServisFirst Bank partners Covecta to deploy AI agents
- Hancock Whitney Corporation Annual Report on Form 10-K for 2025
- 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider
- Pinnacle (PNFP) Q1 2026 Earnings Transcript
- Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent
- Huntington Bank Completes Merger with Cadence Bank, Expanding Presence Across Texas and the South
- Renasant Corporation Completes Merger with The First Bancshares, Inc.
- UCB (UCB) Q2 2026 Earnings Call Transcript
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