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AMTB on NYSE

Amerant Bancorp Inc.

American national commercial bank that raised $30 million in 2022 (SEC Form D)2

In its 2026 annual report the company says: “We are a bank holding company headquartered in Coral Gables, FL, with $9.8 billion in assets, $6.6 billion in loans held for investment, $7.8 billion in deposits, $938.8 million of shareholders’ equity, and $3.3 billion in assets under management and custody as of December 31, 2025. We provide individuals and businesses with a comprehensive array of deposit, credit, investment, wealth management, retail banking, mortgage services and fiduciary services. We serve customers in our United States markets and select international customers.”5 Its shares trade on NYSE under the symbol AMTB.2

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Last updated Oct 21, 2026.

Overview

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  • TickerAMTB on NYSE2
  • IndustryNational Commercial Banks2
  • HeadquartersCoral Gables, United States2
  • Incorporated inFL3
  • Business address220 Alhambra Circle, Coral Gables, Fl 331343
  • Filer categoryLarge accelerated filer3
  • Legal formCorporation2
  • LEI54930071V6LIG79MTL102
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O Mariola Triana Sanchez, 33134 Coral Gables, United States2
  • Registered withFlorida Division of Corporations, M174002

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We are a bank holding company headquartered in Coral Gables, FL, with $9.8 billion in assets, $6.6 billion in loans held for investment, $7.8 billion in deposits, $938.8 million of shareholders’ equity, and $3.3 billion in assets under management and custody (“AUM”) as of December 31, 2025. We provide individuals and businesses with a comprehensive array of deposit, credit, investment, wealth management, retail banking, mortgage services and fiduciary services. We serve customers in our United States markets and select international customers. These services are offered through our main subsidiary, Amerant Bank, N.A., or the Bank, which is also headquartered in Coral Gables, FL, as well as the Bank’s securities broker-dealer, Amerant Investments Inc., or Amerant Investments. Fiduciary, investment, wealth management and mortgage services are provided by the Bank and Amerant Investments.5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income678910$52.4M in 2025+2% since 2019
-$50.0M0$50.0M$100.0M$150.0M2019: $51.3M$51.3M20192020: -$1.7M-$1.7M20202021: $112.9M$112.9M20212022: $63.3M$63.3M2022−44%2023: $32.5M$32.5M2023−49%2024: -$15.8M-$15.8M20242025: $52.4M$52.4M2025

Every line of the income statement as filed: the last 3 fiscal years, latest first.10

Period ending2025-12-312024-12-312023-12-31
Loans$479.4M$505.5M$475.4M
Investment securities$95.9M$67.3M$54.9M
Interest earning deposits with banks and other interest income$22.1M$22.8M$18.3M
Total interest income$597.4M$595.6M$548.6M
Interest bearing demand, savings and money market deposits$114.0M$125.1M$104.9M
Time deposits$86.9M$105.8M$78.8M
Advances from the Federal Home Loan Bank$29.3M$29.3M$28.8M
Senior notes$1.0M$3.8M$3.8M
Subordinated notes$1.4M$1.4M$1.4M
Junior subordinated debentures$4.1M$4.2M$4.3M
Securities sold under agreements to repurchase$2.0K$3.0K$7.0K
Total interest expense$236.7M$269.6M$222.1M
Net interest income$360.7M$326.0M$326.5M
Provision for credit losses$42.6M$60.5M$61.3M
Net interest income after provision for credit losses$318.1M$265.5M$265.2M
Deposits and service fees$20.1M$20.2M$19.4M
Brokerage, advisory and fiduciary activities$20.0M$18.0M$17.1M
Gain on early extinguishment of advances from the Federal Home Loan Bank, net$12.0K$1.6M$40.1M
Loan level derivative income$8.5M$7.0M$4.6M
Change in cash surrender value of bank owned life insurance$10.1M$9.3M$5.2M
Cards and trade finance servicing fees$6.0M$5.5M$3.1M
Derivative (losses) gains, net-$3.4M-$196.0K$28.0K
Securities gains (losses), net$5.1M-$76.9M-$11.0M
Gain on sale of Houston Franchise$0$12.6M$0
Other noninterest income$12.1M$12.7M$9.1M
Total noninterest income$78.6M$9.9M$87.5M
Salaries and employee benefits$143.2M$137.1M$133.5M
Occupancy and equipment$22.6M$27.1M$27.8M
Professional and other services fees$61.1M$51.1M$34.6M
Telecommunication and data processing$13.1M$12.2M$15.5M
Advertising expenses$16.0M$14.5M$12.8M
Loan level derivative expense$4.2M$2.4M$1.9M
Contract termination costs$7.5M$0$1.6M
FDIC assessments and insurance$11.4M$11.6M$10.6M
Depreciation and amortization$6.7M$6.6M$6.8M
Other real estate owned and repossessed assets expense, net$851.0K$4.8M$2.1M
Losses on loans held for sale carried at the lower of cost or fair value$15.7M$13.9M$43.1M
Other operating expenses$28.1M$18.1M$21.1M
Total noninterest expenses$330.6M$299.5M$311.4M
Income (loss) before income tax expense (benefit)$66.1M-$24.1M$41.3M
Income tax (expense) benefit-$13.7M$8.3M-$10.5M
Net income (loss) before attribution of noncontrolling interest$52.4M-$15.8M$30.8M
Noncontrolling interest$0$0-$1.7M
Net income (loss) attributable to Amerant Bancorp Inc.$52.4M-$15.8M$32.5M
Net unrealized holding gains (losses) on debt securities available for sale arising during the period$40.8M-$19.5M$9.4M
Net unrealized holding gains (losses) on cash flow hedges arising during the period$357.0K$230.0K-$15.0K
Reclassification adjustment for items included in net income-$2.3M$50.3M$497.0K
Other comprehensive income$38.9M$31.0M$9.8M
Comprehensive income$91.3M$15.2M$42.3M
Basic Earnings (loss) per common share (in dollars per share)$1.26-$0.44$0.97
Diluted Earnings (loss) per common share (in dollars per share)$1.26-$0.44$0.96

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Corporate structure

Amerant Bancorp Inc. sits at the top of its group. 19 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Amerant Bancorp Inc.

  • VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G/A on Amerant Bancorp Inc., latest Jul 31, 2026 (2 filings since Apr 29, 2026)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on Amerant Bancorp Inc., latest Mar 26, 2026 (2 filings since Apr 30, 2025)
  • BlackRock Filed SCHEDULE 13G/A on Amerant Bancorp Inc., latest Apr 24, 2025 (3 filings since Feb 3, 2023)
  • Wellington Management Company Filed SC 13G/A on Amerant Bancorp Inc., latest Oct 4, 2024 (4 filings since Feb 4, 2022)
  • L. Miguel A. Capriles Filed SC 13G/A on Amerant Bancorp Inc., latest Oct 5, 2023 (3 filings since Feb 11, 2022)
  • A. Gustavo J. Vollmer Filed SC 13G/A on Amerant Bancorp Inc., latest Feb 13, 2023 (2 filings since Feb 14, 2022)
  • Medina de Marturet Diana Filed SC 13G/A on Amerant Bancorp Inc., latest Feb 13, 2023 (2 filings since Feb 14, 2022)
  • Amerant Bancorp Inc. Coral Gables, Florida, United States
    • 220 Alhambra Properties LLC Subsidiary · Florida, United States
    • Amerant Bank, National Association Subsidiary · Coral Gables, Florida, United States
      • AMERANT MORTGAGE, LLC Subsidiary · Lakeland, Florida, United States
    • Amerant Investment Services Inc. Subsidiary · Delaware, United States
    • Amerant Mortgage, LLC Subsidiary · Florida, United States
    • Amerant SPV, LLC Subsidiary · Florida, United States
    • Amerant Ventures, LLC Subsidiary · Florida, United States
    • CB Real Estate Investment, Inc. Subsidiary · Florida, United States
    • CB Reit Holding Corporation Subsidiary · Delaware, United States
    • Commerce BHC Capital Trust VII (sometimes referred to as the “Commercebank Capital Trust VII”) Subsidiary · Delaware, United States
    • Commerce BHC Capital Trust VIII (sometimes referred to as the “Commercebank Capital Trust VIII”) Subsidiary · Delaware, United States
    • Commercebank Capital Trust IX Subsidiary · Delaware, United States
    • Commercebank Capital Trust VI Subsidiary · Delaware, United States
    • Commercebank Capital Trust X Subsidiary · Delaware, United States
    • CTC Management Services LLC Subsidiary · Florida, United States
    • Elant Bank & Trust Ltd. Subsidiary · Cayman Islands
    • MCNA Properties IV LLC Subsidiary · Florida, United States
    • PCS Capital SPV, LLC Subsidiary · Florida, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Amerant Bancorp Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$73.8M10 Dec 31, 2025$82.1M10 Dec 31, 2024−10.0%
Accumulated depreciation$50.9M10 Dec 31, 2025$50.2M10 Dec 31, 2024+1.3%
Property and equipment, net$23.0M10 Dec 31, 2025$31.8M10 Dec 31, 2024−27.8%
Operating-lease assets (leased space)$110.6M10 Dec 31, 2025$100.0M10 Dec 31, 2024+10.6%

Investments

ItemLatestA year beforeChange
Equity securities at fair value$2.5M10 Dec 31, 2025$2.5M10 Dec 31, 2024+2.9%
Stakes in other companies (equity method)$62.2M10 Dec 31, 2025$62.2M10 Dec 31, 20240%
Loans, net of allowance$6.5B10 Dec 31, 2025$7.1B10 Dec 31, 2024−8.5%
Deposits held (banks)$7.8B10 Dec 31, 2025$7.9B10 Dec 31, 2024−0.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$19.2M10 Dec 31, 2025$19.2M10 Dec 31, 20240%

Properties, in its own words

We conduct our business from our approximately 177,000 square foot headquarters building in Coral Gables, FL (the “Headquarters Building”), located at 220 Alhambra Circle, Coral Gables, FL 33134. In 2021, we sold the Headquarters Building, and leased-back the property for an eighteen-year term. In January 2024, we leased to a third-party approximately 19,000 square feet which we previously occupied. As a result, as of December 31, 2025 we occupied approximately 42,000 square feet, or approximately 23%, of the Headquarters Building, with the remaining approximately 135,000 square feet, or approximately 77%, either leased to third-parties or available for lease.

Additionally, a significant portion of our support service units operate out of our operations center in the Miramar Park of Commerce (the “Miramar Operations Center”), located at 10500 Marks Way, Miramar, FL 33025. The Miramar Operations Center has a more efficient layout which allowed us to reduce our space to approximately 56,500 square feet from approximately 100,000 at the previous operations center which the Company used through June 2023.

The rest of Item 2

The Company currently leases a 14,416 square‑foot office in Tampa, Florida, which serves as our Tampa regional office and includes a banking center. We also expanded our footprint in Broward County and currently lease a 12,702 square‑foot office in Plantation, Florida, which functions as our Broward County regional office. Lastly, in 2025, we successfully opened a new regional office in a 5,172 square‑foot facility in West Palm Beach, Florida, which houses our West Palm Beach County regional office along with a banking center.

As of December 31, 2025, we had 22 banking centers, all located in Florida. In January 2026, we opened an additional banking center in Bay Harbor Islands, Florida bringing our total to 23 banking centers. We currently operate 23 banking centers under lease agreements that include renewal options, of which two banking centers subject to long-term ground leases. In 2025, we sold two previously owned banking centers and leased back with long-term leases. Our banking centers range from approximately 1,000 square feet to approximately 7,000 square feet, average of 3,300 square feet and total approximately 177,000 square feet. In 2025, we opened the following banking centers: West Palm Beach, Downtown Tampa, Miami Beach and expanded our existing banking center at Key Biscayne. We also leased a future banking center which is located in St. Petersburg, Florida, further establishing our footprint in Central West, Florida.

Our various leases have periodic escalation clauses and most have options for extensions and other customary terms.

Item 2 of the 10-K filed Feb 27, 2026.5

Leadership

Who has led Amerant Bancorp Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Millar Wilson2018–2020
  2. Gerald P. Plush2023–now

Chair

  1. Millar Wilson2018–2020
  2. Gerald P. Plush2023–now

President

  1. Gerald P. Plush2023–now

Chief financial officer

  1. Carlos Iafigliola2020–2023
  2. Sharymar Calderon2023–now

Chief operating officer

  1. Carlos Iafigliola2023–now
20202025
Board members and other officers (41)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorPamella J. Dana, Ph.D named Mar 17, 202261

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • 220 Alhambra Properties LLC Florida4
  • Amerant Investment Services Inc. Delaware4
  • Amerant Mortgage, LLC Florida4
  • Amerant SPV, LLC Florida4
  • Amerant Ventures, LLC Florida4
  • CB Real Estate Investment, Inc. Florida4
  • CB Reit Holding Corporation Delaware4
  • CTC Management Services LLC Florida4
  • Commerce BHC Capital Trust VII (sometimes referred to as the “Commercebank Capital Trust VII”) Delaware4
  • Commerce BHC Capital Trust VIII (sometimes referred to as the “Commercebank Capital Trust VIII”) Delaware4
  • Commercebank Capital Trust IX Delaware4
  • Commercebank Capital Trust VI Delaware4
  • Commercebank Capital Trust X Delaware4
  • Elant Bank & Trust Ltd. Cayman Islands4
  • MCNA Properties IV LLC Florida4
  • PCS Capital SPV, LLC Florida4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • Mercantil Bank Holding CorpMar 14, 2018 to May 21, 20193

Timeline

  1. Sep 17, 20268-K Entered a material agreement; New debt or obligation; Other events62
  2. Sep 8, 20268-K Executive or director change63
  3. Sep 1, 20268-K Regulation FD disclosure64
  4. Jul 28, 20268-K Executive or director change65
  5. Jul 23, 20268-K Results of operations; Regulation FD disclosure; Other events66
  6. Jun 25, 20268-K Executive or director change67
  7. Jun 17, 20268-K Executive or director change68
  8. Jun 4, 20268-K Shareholder vote69
  9. May 29, 20268-K Executive or director change70
  10. May 26, 20268-K Regulation FD disclosure71
  11. May 19, 20268-K Executive or director change; Regulation FD disclosure72
  12. Apr 23, 20268-K Results of operations; Regulation FD disclosure; Other events73
  13. Feb 21, 2023New chief executive Gerald P. Plush becomes CEO14
  14. Aug 8, 2018New chief executive Millar Wilson becomes CEO15
  15. Jun 27, 1985Founded Amerant Bancorp Inc. is founded2

Calendar

Coming up

  1. Oct 22, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.39 a share, on Oct 28, 2025.74

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results66
  2. Apr 23, 2026Reported quarterly or annual results73
  3. Jan 22, 2026Reported quarterly or annual results75
  4. Oct 28, 2025Reported quarterly or annual results76
  5. Jul 23, 2025Reported quarterly or annual results77
  6. Apr 23, 2025Reported quarterly or annual results78
  7. Jan 22, 2025Reported quarterly or annual results79
  8. Oct 23, 2024Reported quarterly or annual results80

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

433 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 107 major events, 242 insider forms, 18 large holders, 1 private raises, 45 other. The latest 20:

  1. Oct 9, 20264 EDGAR
  2. Sep 17, 20268-K EDGAR
  3. Sep 16, 2026424B2 EDGAR
  4. Sep 14, 2026FWP EDGAR
  5. Sep 14, 2026FWP EDGAR
  6. Sep 14, 2026424B5 EDGAR
  7. Sep 8, 20268-K EDGAR
  8. Sep 1, 20268-K EDGAR
  9. Jul 31, 20263 EDGAR
  10. Jul 31, 2026SCHEDULE 13G/A EDGAR
  11. Jul 31, 202610-Q EDGAR
  12. Jul 28, 20268-K/A EDGAR
  13. Jul 23, 20264 EDGAR
  14. Jul 23, 20268-K EDGAR
  15. Jun 25, 20268-K EDGAR
  16. Jun 18, 20264 EDGAR
  17. Jun 17, 20268-K/A EDGAR
  18. Jun 12, 2026S-3ASR EDGAR
  19. Jun 12, 2026RW EDGAR
  20. Jun 11, 2026S-3 EDGAR

The 433 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

44 open-market trades by officers, directors and large owners since October 2021: 18 buys and 26 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Apr 27, 2026Iafigliola CarlosSee remarksBuy885$22.80$20.2KForm 4
Jan 30, 2026Iafigliola CarlosSee remarksBuy1,000$21.74$21.7KForm 4
Jan 27, 2026Almeida OdilonDirectorBuy4,816$20.99$101.1KForm 4
Aug 13, 2025Esterripa JuanSee remarksSale1,000$20.28$20.3KForm 4
Jul 28, 2025KOPNISKY JACK LDirectorBuy5,000$20.21$101.0KForm 4
Jan 31, 2025Levine Howard A.See remarksSale3,628$23.04$83.6KForm 4
May 22, 2024Fleitas ArmandoEVP, Chief Accounting OfficerSale6,240$22.59$141.0KForm 4
May 2, 2024Iafigliola CarlosSee remarksSale10,579$22.62$239.3KForm 4
Nov 29, 2023Levine Howard A.See remarksSale1,200$20.74$24.9KForm 4
Jul 27, 2023Calderon SharymarSEVP - Chief Financial OfficerSale159$20.10$3.2KForm 4
May 2, 2023Martin Silvio MarshallEVP & Chief Legal OfficerBuy1,000$16.69$16.7KForm 4
Apr 26, 2023Esterripa JuanSee remarksBuy1,000$18.26$18.3KForm 4
Apr 25, 2023Levine Howard A.See remarksBuy1,000$18.14$18.1KForm 4
Apr 25, 2023Plush Gerald PChairman, President & CEOBuy2,500$18.17$45.4KForm 4
Nov 9, 2022Capriles L. Miguel ADirectorSale3,825$28.90$110.5KForm 4
Nov 4, 2022Vollmer A. Gustavo JDirectorSale49,249$29.59$1.5MForm 4
Nov 3, 2022Vollmer A. Gustavo JDirectorSale6,325$29.14$184.3KForm 4
Nov 2, 2022Vollmer A. Gustavo JDirectorSale8,496$30.17$256.3KForm 4
Nov 1, 2022Vollmer A. Gustavo JDirectorSale68,131$30.51$2.1MForm 4
Oct 31, 2022Vollmer A. Gustavo JDirectorSale29,500$30.07$887.1KForm 4

All 44 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Gerald P. Plush$872.0K$5.9M88
2025Braden Smith$565.0K$1.6M88
2025Carlos Iafigliola$597.7K$1.1M88
2025Howard Levine$88.3K$980.5K88
2025Sharymar Calderón$475.0K$976.5K88
2025Alberto Capriles$468.5K$829.5K88
2025Mariola Sanchez$415.0K$761.9K88
2024Former ChairmanPresident and$960.0K$2.8M88
2024Juan Esterripa$407.7K$2.3M88
2024Former Senior Executive VicePresident$535.0K$1.3M88
2024Senior Executive VicePresident and$525.0K$1.1M88
2023Chief Executive Officer$900.0K$2.9M88
2023and Chief Commercial Banking Officer$336.5K$1.8M88
2023and Chief Consumer Banking Officer$475.0K$1.2M88
2023Interim ChiefExecutive Officer$465.0K$1.0M88
2023Chief Risk Officer$455.0K$977.3K88
2023Chief Financial Officer$268.9K$814.3K88

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$30.0M 2022–2022
Money received by yearMoney received by year, 2022–2022: $30.0M in all. Private raises (Form D) $30.0M.$0$10M$20M$30M2022 · Private raises (Form D): $30.0M2022
Figures by year
YearPrivate raises (Form D)Total
2022$30.0M$30.0M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Mar 9, 2022Raised $30 million in a private offering of debt61 Form D: 8 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Wellington Management Group Llp5,392,594$137.6M0.0%−137,752
BlackRock, Inc.2,828,855$72.2M0.0%+31,797
Patriot Financial Partners GP II, L.P.2,007,283$51.2M13.1%−250,000
North Reef Capital Management LP1,855,507$47.4M1.8%+695,019
Vanguard Capital Management LLC1,646,945$42.0M0.0%−126,078
Dimensional Fund Advisors LP1,565,026$39.9M0.0%+176,100
State Street Corp1,263,067$32.2M0.0%+125,946
Geode Capital Management, LLC922,817$23.6M0.0%+7,121
American Century Companies Inc846,437$21.6M0.0%+318,197
Two Sigma Investments, LP700,533$17.9M0.0%+259,986
Basswood Capital Management, L.l.c.497,159$12.7M0.5%New
Hotchkis & Wiley Capital Management LLC472,648$12.1M0.0%+1,970
Vanguard Portfolio Management LLC427,065$10.9M0.0%+8,520
Maltese Capital Management LLC420,000$10.7M2.0%−72,500
Goldman Sachs Group Inc343,107$8.8M0.0%+43,340
Mendon Capital Advisors Corp327,504$8.4M3.0%+54,196
Charles Schwab Investment Management Inc316,910$8.1M0.0%−44,453
Northern Trust Corp303,007$7.7M0.0%+389
Curi Capital, LLC300,056$7.7M0.1%+50,000
Bridgeway Capital Management, LLC264,730$6.8M0.1%No change
Vanguard Fiduciary Trust Co241,417$6.2M0.0%−13,102
UBS Group AG206,712$5.3M0.0%−669,009
Citadel Advisors LLC200,151$5.1M0.0%+174,514
Peregrine Capital Management LLC196,208$5.0M0.2%−17,169
Banc Funds Co LLC174,000$4.4M0.7%−6,000

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Amerant Bancorp Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARAmerant Bancorp Inc.1
  • CIK0001734342
  • Employer ID (EIN)65-00323795
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
  • Incorporated inFlorida5
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address220 Alhambra Circle, Coral Gables, FL 331341
  • Phone(305)460-40381
  • Shares outstanding39,189,858 as of Jul 29, 202612
  • Public float$715.2M as of Jun 30, 20255
  • AuditorRSM US LLP, Fort Lauderdale, Florida PCAOB ID 49; it also attests to the company’s internal control over financial reporting5
  • On EDGAR sinceMar 14, 20181
  • Filings692 in all: 4 (284), 8-K (168), 3 (45), 10-Q (25), CORRESP (20), SC 13G/A (15), 8-K/A (12), DEFA14A (11)1
    All 49 form types

    DEF 14A (9), FWP (9), UPLOAD (9), 10-K (8), SC 13G (7), 144 (5), EFFECT (5), 424B5 (4), ARS (4), S-1/A (4), S-3 (4), SC TO-I/A (4), 10-12B/A (3), SCHEDULE 13G/A (3), 424B2 (2), 5 (2), CERT (2), D (2), S-3/A (2), S-8 (2), SCHEDULE 13G (2), 10-12B (1), 15-12B (1), 25 (1), 25-NSE (1), 3/A (1), 424B3 (1), 424B4 (1), 424B8 (1), 8-A12B (1), D/A (1), DEFR14A (1), DRS (1), NT 10-K (1), PRE 14A (1), RW (1), S-1 (1), S-3ASR (1), S-4 (1), SC 13D (1), SC TO-I (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Jul 31, 2026
    Proxy statement (DEF 14A) Apr 21, 2026
    Latest 8-K (8-K) Sep 17, 2026

Securities registered for trading

ClassSymbolExchange
Class A Common Stock, par value $0.10 per shareAMTBNew York Stock Exchange

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

The risks Amerant Bancorp Inc. names in Item 1A of its 10-K filed Feb 27, 2026: 50 risks under these headings, as written.5

  • Risks related to Funding and Liquidity
  • Liquidity risks could affect our operations and jeopardize our financial condition and certain funding sources could increase our interest rate expense.
  • We may not be able to develop and maintain a strong core deposit base or other low-cost funding sources.
  • We may elect or be compelled to seek additional capital in the future, but that capital may not be available when it is needed or on acceptable terms.
  • Our ability to receive dividends from our subsidiaries could affect our liquidity and our ability to pay dividends.
  • Risks related to Credit and Interest Rate
  • Our profitability is subject to interest rate risk.
  • Our allowance for credit losses may prove inadequate.
  • Our concentration of CRE loans could result in increased loan losses.
  • Many of our loans are to commercial borrowers, which have unique risks compared to other types of loans.
  • Our valuation of securities in our investment securities portfolio are subjective and, if changed, we could recognize losses that could materially adversely affect our results of operations or financial condition.
  • Nonperforming and similar assets take significant time to resolve and may adversely affect our business, financial condition, results of operations, or cash flows.
The other 40 risks
  • We are subject to environmental liability risk associated with lending activities.
  • Increases in demand for mortgage loans due to further declines in interest rates could adversely affect us.
  • Risks Related to Our Business and Operations
  • Many of our major systems depend on and are operated by third-party vendors, and any systems failures or interruptions could adversely affect our operations and the services we provide to our customers.
  • Our information systems are exposed to cybersecurity threats and may experience interruptions and security breaches that could adversely affect our business and reputation.
  • Our strategic plan and growth strategy may not be achieved as quickly or as fully as we seek.
  • Defaults by or deteriorating asset quality of other financial institutions could adversely affect us.
  • New lines of business, new products or services, and technological advancements may subject us to additional risks.
  • We are susceptible to operational risks in general and fraudulent risk in particular.
  • Conditions or developments in Venezuela could adversely affect our operations.
  • We are subject to environmental, social and governance, or ESG, risks, many of which are outside of our control, that could harm our reputation, our business, operations, financial condition, and/or the price of our common stock.
  • We may be unable to attract and retain key people to support our business.
  • Severe weather, natural disasters, global pandemics, acts of war or terrorism, theft, civil unrest, government expropriation or other external events could have significant effects on our business.
  • Any failure to protect the confidentiality of customer information could adversely affect our reputation and subject us to financial sanctions and other costs that could adversely affect our business, financial condition, results of operations, or cash flows.
  • We could be required to write down our goodwill and other intangible assets.
  • We have a net deferred tax asset that may or may not be fully realized.
  • We may incur losses due to minority investments in fintech and specialty finance companies.
  • We are subject to risks associated with sub-leasing portions of our corporate headquarters building.
  • Our success depends on our ability to compete effectively in highly competitive markets.
  • Risks Related to Risk Management, Internal Audit, Internal and Disclosure Controls
  • Potential gaps in our risk management policies and internal audit procedures may leave us exposed to unidentified or unanticipated risk, which could negatively affect our business.
  • Any failure to maintain effective internal control over financial reporting could impair the reliability of our financial statements, which in turn could harm our business, impair investor confidence in the accuracy and completeness of our financial reports and our access to the capital markets and cause the price of our common stock to decline and subject us to regulatory penalties.
  • Changes in accounting standards could materially impact our financial statements
  • Risks Related to External and Market Factors
  • Material and negative developments adversely impacting the financial services industry at large and causing volatility in financial markets and the economy may have materially adverse effects on our liquidity, business, financial condition and results of operations.
  • Our business may be adversely affected by economic conditions in general and by conditions in the financial markets.
  • Risks Related to Regulatory and Legal Matters
  • We are subject to extensive regulation that could limit or restrict our activities and adversely affect our earnings.
  • Changes in federal, state or local tax laws, or audits from tax authorities, could negatively affect our business, financial condition, results of operations or cash flows.
  • Litigation and regulatory investigations are increasingly common in our businesses and may result in significant financial losses and/or harm to our reputation.
  • We are subject to capital adequacy and liquidity standards, and if we fail to meet these standards, whether due to losses, growth opportunities or an inability to raise additional capital or otherwise, our business, financial condition, results of operations, or cash flows would be adversely affected.
  • Increases in FDIC deposit insurance premiums and assessments could adversely affect our financial condition.
  • Federal banking agencies periodically conduct examinations of our business, including our compliance with laws and regulations, and our failure to comply with any regulatory actions, if any, could adversely impact us.
  • The Federal Reserve may require us to commit capital resources to support the Bank.
  • We may face higher risks of noncompliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations than other financial institutions.
  • Failures to comply with the fair lending laws, CFPB regulations or the Community Reinvestment Act, or CRA, could adversely affect us.
  • Risks Related to Ownership of Our Common Stock
  • Our principal shareholders and management own a significant percentage of our shares of voting common stock and will be able to exert significant control over matters subject to shareholder approval.
  • The rights of our common shareholders are subordinate to the holders of any debt securities that we have issued or may issue from time to time.
  • The stock price of financial institutions, like Amerant, may fluctuate significantly.
  • We can issue additional equity securities, which would lead to dilution of our issued and outstanding Class A common stock.
  • Certain provisions of our amended and restated articles of incorporation and amended and restated bylaws, Florida law, and U.S. banking laws could have anti-takeover effects.
  • Risks Related to our Indebtedness
  • We may not be able to generate sufficient cash to service all of our debt, including the Subordinated Notes and the Debentures.
  • We are a holding company with limited operations and depend on our subsidiaries for the funds required to make payments of principal and interest on the Subordinated Notes and the Debentures.
  • We may incur a substantial level of debt that could materially adversely affect our ability to generate sufficient cash to fulfill our obligations under the Subordinated Notes and the Debentures.

Legal proceedings

From time to time, in the ordinary course of business, we are involved in litigation, regulatory matters and other legal proceedings. These may include, but are not limited to, claims related to the ownership of funds in specific accounts, disputes over credit relationships, challenges to security interests in collateral, and foreclosure proceedings, employment-related claims and general tort matters. Such matters are incidental to our regular banking and lending operations.

While the outcome of legal proceedings is inherently uncertain, based on management’s current assessment and legal counsel’s advice, we do not believe that any pending litigation will have a material adverse effect on our financial position, results of operations or cash flows. Where appropriate, we establish reserves for potential losses in accordance with FASB ASC Topic 450, Contingencies, considering available information, management’s judgment and legal counsel’s guidance.

At least quarterly, we evaluate legal contingencies using the most current information available. If a loss is probable and reasonably estimable, we record a liability in our consolidated financial statements, adjusting reserves as necessary to reflect new developments. If the likelihood of loss is not probable or cannot be reasonably estimated, no reserve is recorded.

Based on current information, including insurance coverage, existing legal reserves, and ongoing legal assessments, we do not believe that liabilities arising from pending legal proceedings will materially impact our financial condition. However, due to the inherent uncertainty in litigation and regulatory matters, the final resolution of one or more cases can have a material effect on our financial position, results of operations, or cash flows in a particular reporting period.

The opening of Item 3, Legal Proceedings.5

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