Side-by-side · Q2 2026 data
Ameris Bank vs First Federal Bank
Metric by metric
| Measure | Ameris Bank | First Federal Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 50 |
| Capital cushion | 64 (stronger) | 58 |
| Loan quality | 81 (stronger) | 1 |
| Earnings | 69 (stronger) | 68 |
| Funding & liquidity | 28 | 72 (stronger) |
| Problem-loan coverage | 94 (stronger) | 82 |
| Peer percentile | 63rd | 7th |
| Total assets | $28.4B | $4.5B |
| Deposits / shares | $22.7B | $3.4B |
| Capital ratio | 11.41% (stronger) | 10.83% |
| Problem loans | 0.57% (stronger) | 2.96% |
| Net charge-offs | 0.20% | 0.11% (stronger) |
| Return on assets | 1.23% (stronger) | 1.19% |
| Loans ÷ deposits | 98.3% | 41.4% (stronger) |
| Uninsured deposits | 45.6% | 40.7% (stronger) |
| Offices | 164 | 26 |
| CFPB complaints (3 yrs) | 272 | — |
| Complaints per $1B deposits | 12.0 | — |
| Mortgage denial rate (HMDA) | 10.5% | 13.5% |
Ameris Bank has the higher TellerScore (67 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Ameris Bank leads on 4 and First Federal Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Gainesville, FL
- Jacksonville, FL
- Ocala, FL
- Lake City, FL
- Live Oak, FL
- Beaufort, SC
- Macclenny, FL
- Panama City, FL