Ameris Bancorp

1. Financial statements:

(a)Ameris Bancorp and Subsidiaries:

(i)Consolidated Balance Sheets – December 31, 2023 and 2022;

(ii)Consolidated Statements of Income – Years ended December 31, 2023, 2022 and 2021;

(iii)Consolidated Statements of Comprehensive Income – Years ended December 31, 2023, 2022 and 2021;

(iv)Consolidated Statements of Shareholders' Equity – Years ended December 31, 2023, 2022 and 2021;

(v)Consolidated Statements of Cash Flows – Years ended December 31, 2023, 2022 and 2021; and

(vi)Notes to Consolidated Financial Statements.

(b)Ameris Bancorp (parent company only):

Parent company only financial information has been included in Note 22 of the Notes to Consolidated Financial Statements.

2. Financial statement schedules:

All schedules are omitted as the required information is inapplicable or the information is presented in the financial statements or related notes.

3. A list of the Exhibits required by Item 601 of Regulation S-K to be filed as a part of this Annual Report is shown on the “Exhibit Index” filed herewith.

4. Ameris Bancorp and certain of its consolidated subsidiaries are parties to long-term debt instruments with respect to trust preferred securities under which the total amount of securities authorized does not exceed 10% of the total assets of Ameris Bancorp and its subsidiaries on a consolidated basis. Pursuant to paragraph (b)(4)(iii)(A) of Item 601 of Regulation S-K, Ameris Bancorp agrees to furnish a copy of such instruments to the Securities and Exchange Commission upon request.