Amerant Bancorp Inc.

Amerant Bancorp Inc. is a bank holding company headquartered in Coral Gables, Florida, with operations centered on South Florida and Tampa. Through Amerant Bank and its subsidiaries, it provides deposit, lending, wealth management, fiduciary, mortgage, and brokerage services to individuals and businesses, including select international customers. The company has a community banking footprint with 23 banking centers and also serves clients through investment and advisory channels. In recent years, it has sharpened its focus on Florida and is winding down non-core businesses such as the Cayman Bank and Amerant Mortgage.

— Amerant Bancorp Inc.
%
Banking and deposits35% Core deposit products and transaction banking services for retail and commercial customers.
Lending30% Commercial, consumer, and mortgage loans originated through the bank and mortgage platform.
Wealth management and fiduciary15% Trust, fiduciary, and wealth management services for high-net-worth and private banking clients.
Brokerage and investment advisory12% Broker-dealer and advisory services including securities distribution and portfolio management.
Mortgage services8% Mortgage origination and related servicing activities, increasingly focused on in-footprint customers.

Amerant serves retail customers, small and middle-market businesses, and commercial clients that need deposit, credit,...

  • Retail banking customersprimary

    Individuals using deposit accounts, consumer credit, and branch-based banking services in South Florida and Tampa.

  • Commercial and business clientsprimary

    Small and middle-market businesses that buy loans, deposits, and cash management-style banking relationships.

  • Wealth and private banking clientsprimary

    Affluent and high-net-worth customers buying fiduciary, trust, and discretionary investment services.

  • Brokerage and advisory clientssecondary

    Customers using Amerant Investments for mutual funds, ETFs, equities, fixed income, and portfolio management.

  • Mortgage borrowerssecondary

    Florida-focused borrowers seeking mortgage lending tied to the bank's retail and private banking relationships.

  • International customersemerging

    Select offshore and cross-border clients historically served through trust and investment relationships.

Amerant’s business is concentrated in the United States, especially South Florida, where it operates most of its...

  • •Headquartered in Coral Gables, Florida
  • •Primary markets are South Florida and Tampa
  • •Branch footprint is concentrated in Miami-Dade, Broward, and Palm Beach counties
  • •Select international customers are served, but the strategy is Florida-focused
  • •Cayman Bank is being dissolved, reducing offshore exposure
  • •Branch expansion in West Palm Beach, Miami Beach, Tampa, St. Petersburg, and Bay Harbor Islands supports local growth

Amerant’s strategy is to deepen its Florida franchise by expanding branch presence, strengthening local relationships,...

01
Florida footprint expansionshort-term

A denser branch network supports deposit growth, local lending, and customer retention in the company's core markets.

02
Cross-sell wealth and fiduciary servicesmedium-term

Fee-based products diversify revenue and deepen relationships with affluent and business clients.

03
Simplify the operating modelshort-term

Winding down non-core businesses reduces complexity, regulatory burden, and execution risk.

Amerant is exposed to classic regional bank risks, especially funding and liquidity pressure, because it relies on...

high

Liquidity and funding pressure

The bank must meet deposit withdrawals, loan demand, and debt maturities, and funding costs can rise quickly in stressed markets.

Scope
Deposit base and wholesale funding
Materiality
high
high

Credit deterioration

Loan losses can rise if borrowers weaken or if Florida economic conditions soften.

Scope
Commercial, consumer, and mortgage portfolios
Materiality
high
medium

Competitive pricing pressure

Larger banks and nonbank competitors can pressure loan yields, deposit rates, and fee pricing.

Scope
Core banking and wealth products
Materiality
medium
medium

Execution risk from business simplification

Winding down Cayman Bank and Amerant Mortgage may create operational disruption, costs, and customer attrition.

Scope
Non-core operations
Materiality
medium
medium

Counterparty and market risk

Brokerage, securities, and derivatives activities expose the company to market volatility and counterparty defaults.

Scope
Amerant Investments and treasury activities
Materiality
medium
Allowance for credit losses
Can materially change provision expense and net income
Fair value accounting for securities and derivatives
Creates volatility in noninterest income
Goodwill and intangible impairment
Would reduce earnings if impairment is recognized
Lease accounting and occupancy costs
Affects operating expense and comparability across periods

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: 11/08/2026