Amerant Bancorp Inc. (NYSE: AMTB)

Amerant Bancorp Inc. is a bank holding company headquartered in Coral Gables, Florida, that operates primarily through its subsidiary Amerant Bank N A and the broker dealer Amerant Investments Inc. As of December 31 2025 the company reported 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. It offers a full suite of deposit, credit, wealth management, retail banking, mortgage and fiduciary services to individuals and businesses in its U S markets and to select international clients.

The company generates revenue principally from interest income on its loan portfolio which includes commercial real estate, commercial and industrial, and consumer loans. It also earns fee based revenue from deposit services, wealth management and brokerage activities, mortgage origination and servicing, and fiduciary and trust services. These revenues are derived from a diversified customer base of retail consumers, small and medium sized enterprises, commercial clients, and high net worth individuals.

Amerant Bancorp operates in a highly competitive banking environment in South Florida, where it faces competition from large national banks, regional banks, credit unions, and other financial institutions. Its competitive advantages stem from deep local market knowledge, a relationship based banking model, and a growing digital platform that improves client experience and operational efficiency. The company also benefits from a strong brand reputation and long standing community ties in Miami Dade, Broward, and Palm Beach counties.

The company serves a broad range of customers including individual consumers, small businesses, middle market companies, large corporate clients, and high net worth individuals seeking wealth management and trust services. While the filing does not disclose specific customer names, its description indicates a focus on residents and businesses in Florida, as well as select international clients with ties to Latin America.