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  <xs:element id="abcb_PrincipalReducingAdvanceOneMember" abstract="true" name="PrincipalReducingAdvanceOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_SubordinatedDebtTwoMember" abstract="true" name="SubordinatedDebtTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_SubordinatedDebtThreeMember" abstract="true" name="SubordinatedDebtThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_AdvanceFromCorrespondentBankTwoMember" abstract="true" name="AdvanceFromCorrespondentBankTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abcb_OtherBorrowingsLineItems" abstract="true" name="OtherBorrowingsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="abcb_AdvancesFromCorrespondentBank" abstract="false" name="AdvancesFromCorrespondentBank" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_UnaccretedPortionOfFairValueAdjustmentNet" abstract="false" name="UnaccretedPortionOfFairValueAdjustmentNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_FederalFundsPurchasedMaximumCapacity" abstract="false" name="FederalFundsPurchasedMaximumCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_BorrowingsPledgedAtDiscountWindow" abstract="false" name="BorrowingsPledgedAtDiscountWindow" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_BorrowingCapacityAvailableBasedOnPledgedCollateral" abstract="false" name="BorrowingCapacityAvailableBasedOnPledgedCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_IncrementalCommonSharesAttributableToNonvestedRestrictedShareGrants" abstract="false" name="IncrementalCommonSharesAttributableToNonvestedRestrictedShareGrants" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="abcb_IncrementalCommonSharesAttributableToPerformanceShareUnits" abstract="false" name="IncrementalCommonSharesAttributableToPerformanceShareUnits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="abcb_NetGainsLossesFromChangeInFairValueOfMortgagesLoansHeldForSale" abstract="false" name="NetGainsLossesFromChangeInFairValueOfMortgagesLoansHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_MortgageLoansHeldForSaleMember" abstract="true" name="MortgageLoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_AggregateFairValueOfItemsForWhichFairValueOptionWasElected" abstract="false" name="AggregateFairValueOfItemsForWhichFairValueOptionWasElected" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_AggregateUnpaidPrincipalBalanceOfItemsForWhichFairValueOptionWasElected" abstract="false" name="AggregateUnpaidPrincipalBalanceOfItemsForWhichFairValueOptionWasElected" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalanceOfNonaccrualStatusAggregatedDifference" abstract="false" name="FairValueOptionLoansHeldAsAssetsUnpaidPrincipalBalanceOfNonaccrualStatusAggregatedDifference" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_DerivativeFinancialInstrumentsMember" abstract="true" name="DerivativeFinancialInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_RiskParticipationAgreementMember" abstract="true" name="RiskParticipationAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abcb_MortgageBankingDerivativeInstrumentsMember" abstract="true" name="MortgageBankingDerivativeInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_ImpairedLoansFairValueDisclosureMember" abstract="true" name="ImpairedLoansFairValueDisclosureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_OtherRealEstateOwnedMember" abstract="true" name="OtherRealEstateOwnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_ValuationTechniqueThirdPartyAppraisalsAndDiscountedCashFlowsMember" abstract="true" name="ValuationTechniqueThirdPartyAppraisalsAndDiscountedCashFlowsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_ValuationTechniqueThirdPartyAppraisalsAndSalesContractsMember" abstract="true" name="ValuationTechniqueThirdPartyAppraisalsAndSalesContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_MeasurementInputCollateralDiscountsAndDiscountRatesMember" abstract="true" name="MeasurementInputCollateralDiscountsAndDiscountRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_MeasurementInputCollateralDiscountsAndEstimatedCostsToSellMember" abstract="true" name="MeasurementInputCollateralDiscountsAndEstimatedCostsToSellMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_CollateralDependentLoansMeasurementInput" abstract="false" name="CollateralDependentLoansMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="abcb_CommitmentsToExtendCredit" abstract="false" name="CommitmentsToExtendCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_UnusedHomeEquityLinesOfCredit" abstract="false" name="UnusedHomeEquityLinesOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_LetterOfCreditMaximumIssuance" abstract="false" name="LetterOfCreditMaximumIssuance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_MortgageInterestRateLockCommitments" abstract="false" name="MortgageInterestRateLockCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_FederalHomeLoanBankMember" abstract="true" name="FederalHomeLoanBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_LetterOfCredit" abstract="false" name="LetterOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_RetailBankingMember" abstract="true" name="RetailBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_RetailMortgageMember" abstract="true" name="RetailMortgageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_WarehouseLendingMember" abstract="true" name="WarehouseLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_PremiumFinanceDivisionMember" abstract="true" name="PremiumFinanceDivisionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_InterestRateContractOneMember" abstract="true" name="InterestRateContractOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_InterestRateLockCommitmentsOneMember" abstract="true" name="InterestRateLockCommitmentsOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_ForwardContractsRelatedToMortgageLoansHeldForSaleMember" abstract="true" name="ForwardContractsRelatedToMortgageLoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_OtherNoninterestIncomeMember" abstract="true" name="OtherNoninterestIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_SBAServicingRightsMember" abstract="true" name="SBAServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abcb_NoninterestIncomeBankServicingFees" abstract="false" name="NoninterestIncomeBankServicingFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abcb_LoansServicedForOthersPercentage" abstract="false" name="LoansServicedForOthersPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="abcb_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueWeightedAverageAge" abstract="false" name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueWeightedAverageAge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
</xs:schema>
