Amerant Bank
Amerant Bank reported total assets of $10.3 bn at Q2 2026, down 0.4% on a year earlier, the 156th largest of 497 banks in our US coverage. The CET1 capital ratio at Amerant Bank was 12.91%, and the uninsured share of Amerant Bank was 46.73%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Amerant Bank slipped from 136th to 273rd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Amerant Bank has one of the highest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 2.49% at , against a median of 0.66% across 126 banks (FDIC Call Reports).
- Since , Amerant Bank has taken over one institution; the latest was Amerant Trust, National Association on (FDIC Call Reports).
What sets Amerant Bank apart
How large is Amerant Bank?
The balance sheet of Amerant Bank at : assets $10.3 bn, deposits $8.4 bn, net loans $6.8 bn (loans equal to 81.10% of deposits). Securities make up 24.8% of total assets at Amerant Bank. Since , when Amerant Bank held $8.0 bn, its assets grew 28.6%. In the year to , deposits at Amerant Bank rose 0.5% while its total assets fell 0.4%. At , Amerant Bank employed 704 full-time equivalent staff across 24 offices, about $14.6 mn of assets per employee and $348.4 mn of deposits per office.
How much funding at Amerant Bank is uninsured?
At Amerant Bank, uninsured deposits (above the FDIC limit) made up 46.73% of domestic deposits at (+1.86 pp on a year earlier); Amerant Bank ranks 111th of 500 on this measure. In dollars, Amerant Bank estimated $3.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.4 bn | +0.5% | 160th of 499 |
| Net loans and leases | $6.8 bn | -4.5% | 166th of 500 |
| Loan-to-deposit ratio | 81.10% | -4.29 pp | 329th of 500 |
| Tier 1 leverage ratio | 9.88% | +0.12 pp | 317th of 500 |
| Total risk-based capital ratio | 14.15% | +0.96 pp | 234th of 448 |
| Net interest margin | 3.57% | -0.27 pp | 273rd of 500 |
| Return on assets (ROA) | 0.90% | +0.10 pp | 417th of 500 |
| Efficiency ratio | 65.00% | -0.14 pp | 394th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $33.2 mn | Narrowed by $2.2 mn | |
| Noncurrent loans to total loans | 2.49% | +1.34 pp | 472nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.26% | -0.28 pp | 375th of 500 (1 = lowest) |
US rank of Amerant Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Amerant Bank: assets, deposits and loans
- Total assets $10.3bn
- Deposits $8.4bn
- Net loans $6.8bn
Capital and securities
The CET1 ratio of Amerant Bank stood at 12.91% in , +0.88 pp year on year. Low and high at Amerant Bank since : 10.72% () to 13.83% (). Equity capital of Amerant Bank at : $986.3 mn, or 9.6% of total assets. Amerant Bank also reported a total capital ratio of 14.15% for , and a tier 1 leverage ratio of 9.88%.
The available-for-sale portfolio of Amerant Bank showed an unrealized loss of $33.2 mn at ; the loss narrowed by $2.2 mn over the year.
Amerant Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.9%
Amerant Bank: unrealized securities gains and losses
- Available for sale -$33mn
- Held to maturity $0
Profitability and loan quality
For the year to , Amerant Bank earned a return on equity of 9.14%; return on assets: 0.90%. Net interest margin at Amerant Bank: 3.57%, -0.27 pp in a year. Amerant Bank net income: $44.9 mn, up 11.6% year on year. The efficiency ratio of Amerant Bank was 65.00%: about 65 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 2.49% of total loans at Amerant Bank; net charge-offs: 0.26% of average loans. Gross loans and leases at Amerant Bank: $6.9 bn, down 4.5% in a year.
Amerant Bank: profitability
- Return on equity 9.1%
- Net interest margin 3.6%
- Return on assets 0.9%
Peer group of Amerant Bank
The peer group of Amerant Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Amerant Bank (national bank), 5 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Florida. Against them, Amerant Bank shows CET1 ratio 12.91% against a peer median of 12.91%, return on equity 9.14% against a peer median of 12.22% and uninsured deposit share 46.73% against a peer median of 44.73%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Stellar Bank | State member bank | TX | $10.4 bn | 12.79% | -4.12% | 58.47% | |
| Amarillo National Bank | National bank | TX | $10.4 bn | 13.03% | 16.07% | 48.63% | |
| Stock Yards Bank & Trust Company | State nonmember bank | KY | $10.4 bn | 12.02% | 14.12% | 40.97% | |
| Amerant Bank | National bank | FL | $10.3 bn | 12.91% | 9.14% | 46.73% | |
| International Bank of Commerce | State nonmember bank | TX | $10.2 bn | 21.11% | 13.85% | 40.24% | |
| Origin Bank | State member bank | LA | $10.2 bn | 12.80% | 10.59% | 48.50% | |
| S&T Bank | State nonmember bank | PA | $9.9 bn | 13.28% | 10.32% | 35.78% | |
. FDIC Call Reports.
Last eight quarters
Two years at Amerant Bank, to : assets -0.6%, deposits +1.7%, equity +5.4%. Staff 735 to 704; offices 26 to 24.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $10.3 bn | $9.9 bn | $10.1 bn | $10.3 bn | $10.4 bn | $9.8 bn | $9.9 bn | $10.3 bn |
| Total deposits | $8.2 bn | $8.0 bn | $8.2 bn | $8.3 bn | $8.3 bn | $7.8 bn | $7.9 bn | $8.4 bn |
| Bank equity capital | $936.1 mn | $930.4 mn | $958.3 mn | $986.9 mn | $983.4 mn | $978.4 mn | $979.1 mn | $986.3 mn |
| CET1 ratio | 11.07% | 11.73% | 11.77% | 12.03% | 12.04% | 12.35% | 12.72% | 12.91% |
| Return on equity (ROE) | -3.75% | -0.44% | 6.43% | 8.39% | 7.91% | 6.67% | 8.78% | 9.14% |
| Uninsured share of domestic deposits | 43.57% | 45.83% | 44.12% | 44.87% | 44.58% | 46.75% | 43.04% | 46.73% |
| Full-time equivalent employees | 735 | 698 | 726 | 692 | 704 | 694 | 699 | 704 |
| Number of offices | 26 | 20 | 20 | 21 | 22 | 23 | 24 | 24 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Amerant Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Amerant Trust, National Association (FDIC certificate 57852).
Questions and identifiers
What were the total assets of Amerant Bank?
Amerant Bank reported $10.3 bn at in its Call Report. That makes Amerant Bank the 156th largest of 497 banks in our US coverage.
Is Amerant Bank the same as its holding company?
No. This page covers Amerant Bank, FDIC certificate 22953; AMERANT BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Amerant Bank profitable?
Amerant Bank reported net income of $44.9 mn for the year to ; annualized return on equity: 9.14%. So yes: Amerant Bank made a profit over these months.
When is data for Amerant Bank next updated?
Figures from Amerant Bank for are due after .
Where can I check the figures for Amerant Bank?
In the FDIC BankFind Suite record for certificate 22953, and in the Call Reports of Amerant Bank (RSSD ID 83638) at the FFIEC Central Data Repository.