Exhibit 99.2

This presentation contains certain performance measures determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”) . Management of Ameris Bancorp (the “Company”) uses these non - GAAP measures in its analysis of the Company’s performance . These measures are useful when evaluating the underlying performance and efficiency of the Company’s operations and balance sheet . The Company’s management believes that these non - GAAP measures provide a greater understanding of ongoing operations, enhance comparability of results with prior periods and demonstrate the effects of significant gains and charges in the current period . The Company’s management believes that investors may use these non - GAAP financial measures to evaluate the Company’s financial performance without the impact of unusual items that may obscure trends in the Company’s underlying performance . These disclosures should not be viewed as a substitute for financial measures determined in accordance with GAAP, nor are they necessarily comparable to non - GAAP performance measures that may be presented by other companies . This presentation may contain statements that constitute “forward - looking statements” within the meaning of Section 27 A of the Securities Act of 1933 , as amended, and Section 21 E of the Securities Exchange Act of 1934 , as amended . The words “believe”, “estimate”, “expect”, “intend”, “anticipate” and similar expressions and variations thereof identify certain of such forward - looking statements, which speak only as of the dates which they were made . The Company undertakes no obligation to publicly update or revise any forward - looking statements, whether as a result of new information, future events or otherwise . Readers are cautioned that any such forward - looking statements are not guarantees of future performance and involve risks and uncertainties and that actual results may differ materially from those indicated in the forward - looking statements as a result of various factors . Readers are cautioned not to place undue reliance on these forward - looking statements and are referred to the Company’s periodic filings with the Securities and Exchange Commission for a summary of certain factors that may impact the Company’s results of operations and financial condition . Cautionary Statements

O v e r vie w of US P r emiu m Finance 1 L T M figur e s t h rou g h Se pt e m b e r 30, 2016 U S PF fi g ur e s a djust e d f o r ma na geme nt pay o ut st r uc t u r e ; U S PF RO A T C E a ssu me s 8% c a pi ta li zat i on Insurance Premium Fi n anc e Co mpany − Fo u nd e d in 199 3 a n d b ased in A tlanta, GA, US P r e mium F i n a n c e is the si x th la r g e st insu ra n ce pr e mium fin a n c e compa n y in the U . S. − P r ovides shor t - te rm, collate r alize d fin a n c ing to fu nd the purc h ase of insu ra n ce cov e rage r e lated to comme r cial p ro pe r t y , casualty a n d liability r is k − Historical operation as a division of a bank; a ll fu n c tions comply with banking requirements Lo a n Por t folio − N et F i n a n c e R e c e ivab les of $ 45 0 million as of Se ptemb e r 3 0, 2016 − L TM loan or igin a tions of $ 9 0 7 million − 28% o rigin a tion C A GR sin c e 2013 − L TM g ross y ield of 6 .87 % − N et c h a rge - offs h a v e av erag e d less than fiv e basis points of loan vo l u me over the past 20 y e a r s AB C B U S PF 0 .8 0 % 1 .0 0% 1 . 2 0% 1 . 4 0 % 1 . 6 0 % L T M R O AA 13. 00 % 14.5 0 % 16.00 % 1 7 . 5 0 % 1 9 .0 0 % L T M R O AT CE 1. 40% 1 . 1 6% 0 . 0 0 % 2 0 .00% 40.00% 60.0 0 % 80.0 0% L T M Ef f icien c y Rat io Dat a s o urc e : US Pr e mi um F in a nce 0 .0 0 % 0 .5 0% 1 . 0 0% 1 .5 0% 2 .0 0 % N P Ls / L oans 1 7 .73% 1 5 . 81% 6 1.7 0% 45. 1 8% 1 . 20% 0.00%

L o w - Risk Hig h - G r o w th Business Model 2 Lo w - R i s k Busi n es s M o d el − Sho r t - te r m l o a n s wit h a d u r a t i o n o f a pp r o x i m a tely 10 mo n t h s − D o wn p a y ment fr o m b o rr o w e r a n d su rr ende r v a lue o f p o licy ove r ca p i t a li z e t h e lo a n s − Pr i ma r y ri sks come fr o m fi na n c i a l he a lth o f t h e ca rri er a n d fr a ud − US P F h a s a lo n g h i st o r y a n d demo n st ra ted a b i lity to mo ni t o r t hes e ri sks S tro n g Custome r B ase − 4 0 , 0 0 0 l o a n s o ri g i n a ted a n d se r v i ced a nn u a lly i n 5 0 st a tes, W a s h i n gt o n D C a n d th r e e US te rri t o ri es − 9 4 % o f i n sur a n ce ca rri e r s ra ted A - (Excellent) o r better a s o f Ap ri l 2 0 16 − Robus t p i pel i n e fr o m n et w o r k o f 1 , 0 0 0 + lea di n g n a t i on w i d e i nde pe n den t i n sur a n ce a ge n c ies $197 $2 59 $377 $4 50 $462 $800 $6 0 1 $823 $950 $ 2 0 0 $ - $4 0 0 $600 $1,00 0 2013 2014 2015 Y T D S e p - 1 6 O utst a n d i n gs O r i gi n at io n s L oan Portf o lio (D o ll a r s in m illi o n s ) $6.7 $9.4 $12.9 $13.5 $6.0 $ 3 .0 $ - $9.0 $1 2 .0 $15.0 $18.0 2013 2014 2 0 15 LTM S e p - 16 Earnings Growth (D o ll a r s in m illi o n s ) CA G R : 29.01% Dat a s o urc e : US Pr e mi um F in a nce