AMERIS BANCORP

401(k) PROFIT SHARING PLAN

FORM 5500, SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR)

EMPLOYER IDENTIFICATION NUMBER 58-1456434, PLAN 002

DECEMBER 31, 2025

(a)

(b)

(c)

(d)

(e)

Parties-In-Interest

Identity of Issuer, Borrower, Lessor, or Similar Party

Description of Investment

Cost of Acquisition

Current Value

INVESTMENTS

AMERIS BANCORP

Common Stock

18,978,863

AMERICAN CENTURY INVESTMENT MANAGEMENT - AMERICAN CENTURY MID-CAP VAL R6

Mutual Fund

1,319,897

CAPITAL RESEARCH AND MGNT CO - AMERICAN FUNDS NEWPRSP R6 FND

Mutual Fund

4,208,580

CAPITAL RESEARCH AND MGNT CO - AMERICAN FUNDS NEWWORLD R6

Mutual Fund

1,362,107

JP MORGAN INVESTMENT MGMT INC JP MORGAN MID CAP GROWTH R6 FD

Mutual Fund

4,191,237

JP MORGAN INVESTMENT MGMT INC JP MORGAN LARGE CAP GROWTH R6 FD

Mutual Fund

22,420,124

MASSMUTUAL - MASSMUTUAL PREM IN-PRO & INC I

Mutual Fund

2,455,201

MFS INVESTMENT MANAGEMENT - MFS INTERNATIONAL GROWTH R6 FUND

Mutual Fund

2,883,747

PGIM INVESTMENTS, LLC - PGIM TOTAL RET BOND R6 FD

Mutual Fund

2,336,563

PUTNAM INVESTMENTS - PUTNAM LARGE CAP VALUE R6 FUND

Mutual Fund

6,807,808

VANGUARD GROUP - VANGUARD DEV MKTS INDEX ADM FD

Mutual Fund

4,392,187

VANGUARD GROUP - VANGUARD MID CAP INDEX ADM FD

Mutual Fund

4,817,729

VANGUARD GROUP - VANGUARD SM CAP INDEX ADM FUND

Mutual Fund

4,454,628

VANGUARD GROUP - VANGUARD TTL BD MKT IDX ADM FD

Mutual Fund

2,905,953

VANGUARD GROUP - VANGUARD 500 INDEX ADMIRAL FD

Mutual Fund

30,546,880

PRINCIPAL GUARANTEED OPTION

Investment Contract

13,917,631

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2015 SEP ACCT

Pooled Separate Account

2,885,346

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2020 SEP ACCT

Pooled Separate Account

8,361,411

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2025 SEP ACCT

Pooled Separate Account

22,669,158

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2030 SEP ACCT

Pooled Separate Account

32,572,742

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2035 SEP ACCT

Pooled Separate Account

35,231,092

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2040 SEP ACCT

Pooled Separate Account

31,038,280

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2045 SEP ACCT

Pooled Separate Account

25,981,956

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2050 SEP ACCT

Pooled Separate Account

15,036,430

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2055 SEP ACCT

Pooled Separate Account

12,058,980

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2060 SEP ACCT

Pooled Separate Account

7,484,997

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2065 SEP ACCT

Pooled Separate Account

3,148,264

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM 2070 SEP ACCT

Pooled Separate Account

835,774

MULTIPLE SUB-ADVISORS-PRINCIPAL SMCAP GROWTH I SEP ACCT

Pooled Separate Account

1,752,755

MULTIPLE SUB-ADVISORS-PRINCIPAL SMCAP VALUE II SEP ACCT

Pooled Separate Account

1,050,530

MULTIPLE SUB-ADVISORS-PRINCIPAL LIFETM STR INC SEP ACCT

Pooled Separate Account

2,547,727

330,654,577

LOANS

NOTES RECEIVABLE FROM PARTICIPANTS

4.25% to 9.50% at various maturities; participant account balances as collateral

—

6,089,031

TOTAL ASSETS HELD FOR INVESTMENT

336,743,608

* Represents a party-in-interest

** Cost information not included as all investments are participant directed