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Amerant Bancorp Inc.
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| 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 |
Every line of the balance sheet in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks and restricted cash | $53.5M | $63.6M | |
| Interest earning deposits with banks | $409.4M | $519.9M | |
| Other short-term investments | $7.2M | $6.9M | |
| Cash and cash equivalents | $470.2M | $590.4M | |
| Debt securities available for sale | $2.0B | $1.4B | |
| Equity securities with readily determinable fair value not held for trading | $2.5M | $2.5M | |
| Federal Reserve Bank and Federal Home Loan Bank stock | $57.1M | $58.3M | |
| Securities | $2.1B | $1.5B | |
| Loans held for sale, at lower of cost or fair value | $80.9M | $0 | |
| Mortgage loans held for sale, at fair value | $2.9M | $42.9M | |
| Loans held for investment, gross | $6.6B | $7.2B | |
| Less: allowance for credit losses | $79.3M | $85.0M | $95.5M |
| Loans held for investment, net | $6.5B | $7.1B | |
| Bank owned life insurance | $260.6M | $243.5M | |
| Deferred tax assets, net | $35.6M | $53.5M | |
| Operating lease right-of-use assets | $110.6M | $100.0M | |
| Goodwill | $19.2M | $19.2M | |
| Accrued interest receivable and other assets | $178.3M | $210.8M | |
| Total assets | $9.8B | $9.9B | |
| Noninterest bearing demand | $1.6B | $1.5B | |
| Interest bearing demand, savings and money market deposits | $4.2B | $4.1B | |
| Time | $2.0B | $2.2B | |
| Total deposits | $7.8B | $7.9B | |
| Advances from the Federal Home Loan Bank | $712.0M | $745.0M | |
| Senior notes | $0 | $59.8M | |
| Subordinated notes | $29.8M | $29.6M | |
| Junior subordinated debentures held by trust subsidiaries | $64.2M | $64.2M | |
| Operating lease liabilities | $117.5M | $106.1M | |
| Accounts payable, accrued liabilities and other liabilities | $127.9M | $152.0M | |
| Total liabilities | $8.8B | $9.0B | |
| Class A common stock, $0.10 par value, 250 million shares authorized; 40,595,273 shares issued and outstanding (42,127,316 shares issued and outstanding at December 31, 2024) | $4.1M | $4.2M | |
| Additional paid in capital | $316.1M | $343.8M | |
| Retained earnings | $619.6M | $582.2M | |
| Accumulated other comprehensive loss | -$875.0K | -$39.8M | |
| Total stockholders' equity | $938.8M | $890.5M | $736.1M |
| Total liabilities and stockholders' equity | $9.8B | $9.9B | |
| Common stock, shares authorized (in shares) | 250.0M shares | ||
| Common stock, shares issued (in shares) | 40.6M shares | 42.1M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income (loss) before attribution of noncontrolling interest | $52.4M | -$15.8M | $30.8M |
| Provision for credit losses | $42.6M | $60.5M | $61.3M |
| Net premium amortization on securities | $2.2M | $4.6M | $4.8M |
| Depreciation and amortization | $6.7M | $6.6M | $6.8M |
| Stock-based compensation expense | $5.0M | $5.0M | $6.8M |
| Losses on loans held for sale carried at the lower of cost or fair value | $15.7M | $13.9M | $43.1M |
| Loss on sale of repossessed assets | $0 | $0 | $2.6M |
| Impairment on investment carried at cost | $0 | $0 | $2.0M |
| Change in cash surrender value of bank owned life insurance | -$10.1M | -$9.3M | -$5.2M |
| Securities (gains),losses, net | -$5.1M | $76.9M | $11.0M |
| Derivative losses (gains), net | $3.4M | $196.0K | -$28.0K |
| Gain on sale of loans, net | -$5.4M | -$8.1M | -$4.4M |
| Gain on sale of Houston Franchise | $0 | -$12.6M | $0 |
| Deferred taxes and others | $5.7M | $165.0K | -$5.5M |
| Gain on early extinguishment of advances from the FHLB, net | -$12.0K | -$1.6M | -$40.1M |
| Proceeds from sales and repayments of mortgage loans originated for sale (at fair value) | $143.7M | $380.8M | $286.5M |
| Originations and purchases of mortgage loans originated for sale (at fair value) | -$107.5M | -$419.1M | -$343.5M |
| Accrued interest receivable and other assets | $8.2M | $3.8M | -$34.4M |
| Account payable, accrued liabilities and other liabilities | -$20.5M | -$3.6M | $4.1M |
| Net cash provided by operating activities | $137.0M | $82.2M | $26.7M |
| Available for sale | -$1.1B | -$735.6M | -$264.1M |
| Trading Securities | -$118.4M | $0 | $0 |
| Federal Home Loan Bank and Federal Reserve Bank stock | -$8.4M | -$51.0M | -$83.1M |
| Equity securities with readily determinable fair value not held for trading | $0 | $0 | -$2.5M |
| Purchases of investment securities | -$1.2B | -$786.6M | -$349.7M |
| Available for sale | $523.7M | $694.1M | $104.2M |
| Held to maturity | $0 | $9.6M | $14.7M |
| Trading | $121.2M | $0 | $0 |
| Federal Home Loan Bank and Federal Reserve Bank stock | $9.5M | $43.0M | $88.4M |
| Equity securities with readily determinable fair value not held for trading | $0 | $0 | $11.2M |
| Maturities, sales, calls and paydowns of investment securities | $654.4M | $746.8M | $218.5M |
| Proceeds from surrender of bank owned life insurance | $0 | $62.7M | $0 |
| Net decrease (increase) in loans | $343.4M | -$1.1B | -$509.7M |
| Proceeds from loan portfolio sales | $137.9M | $543.1M | $109.2M |
| Purchase of bank owned life insurance | -$7.0M | $0 | -$65.0M |
| Net cash transferred on sale of Houston Franchise | $0 | -$73.9M | $0 |
| Purchases of premises and equipment and others | -$7.7M | -$7.4M | -$10.9M |
| Proceeds from sales of premises and equipment | $14.1M | $205.0K | $535.0K |
| Proceeds from sales of repossessed assets and other real estate owned | $2.7M | $0 | $2.5M |
| Cash paid in business acquisition, net | $0 | $0 | -$2.0M |
| Proceeds from bank owned life insurance death benefit | $0 | $1.2M | $0 |
| Net cash used in investing activities | -$47.8M | -$576.7M | -$606.6M |
| Net increase in demand, savings and money market accounts | $170.7M | $256.9M | $281.8M |
| Net (decrease) increase in time deposits | -$238.4M | $270.6M | $568.8M |
| Proceeds from advances from the Federal Home Loan Bank | $380.0M | $1.5B | $2.0B |
| Repayments of advances from the Federal Home Loan Bank | -$413.4M | -$1.4B | -$2.2B |
| Redemption of senior notes | -$60.0M | $0 | $0 |
| Repurchase of common stock-Class A | -$33.0M | -$7.6M | -$4.9M |
| Dividends paid | -$15.1M | -$12.8M | -$12.1M |
| Net proceeds from issuance of common stock | $0 | $155.8M | $0 |
| Disbursements arising from stock based compensation, net | -$248.0K | -$1.6M | -$523.0K |
| Net cash (used in) provided by financing activities | -$209.4M | $763.0M | $611.2M |
| Net (decrease) increase in cash and cash equivalents and restricted cash | -$120.2M | $268.5M | $31.3M |
Former names
- Mercantil Bank Holding CorpMar 14, 2018 to May 21, 20192
Recent filings
- Oct 9, 20264
- Sep 17, 20268-K
- Sep 16, 2026424B2
- Sep 14, 2026424B5
- Sep 14, 2026FWP
- Sep 14, 2026FWP
- Sep 8, 20268-K
- Sep 1, 20268-K
- Jul 31, 2026SCHEDULE 13G/A
- Jul 31, 20263
- Jul 31, 202610-Q
- Jul 28, 20268-K/A
- Jul 23, 20268-K
- Jul 23, 20264
- Jun 25, 20268-K
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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