Amerant Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Amerant Bank, N.A. is an FDIC-insured commercial bank headquartered in Coral Gables, FL, established in 1979 (FDIC certificate 22953), and it is supervised by the OCC. At Q2 2026 it reported total assets of $10.27B, down 0.4% from Q2 2025, the 7th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 12.91% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22953
- Headquarters
- Coral Gables, FL
- Established
- 1979
- Total assets, Q2 2026
- $10.27B
- Assets vs Q2 2025
- -0.4%
- CET1 ratio, Q2 2026
- 12.91%
- Domestic offices
- 24 FDIC institution directory, current count
- Routing number
- 067010509
- Latest call report
- Q2 2026, FFIEC 031 · Amerant Bank, N.A. call report
- Holding company
- AMERANT BANCORP INC.
- Asset rank in state
- 7th of 81 in Florida
Problem loans are rising at Amerant Bank, N.A.. The Coral Gables, Florida bank had $10.3 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.46% of loans from 1.13% a year earlier. It carries problem assets equal to 17.6% of the capital and reserves that would absorb them, 4.2 times the median of 4.2% for the 127 banks with $10 billion to $100 billion in assets. It also shrank its loan book 4.5% over the year, lower than about 9 in 10 banks its size (median 6.3%).
Loans and deposits moved in opposite directions: over the year loans fell 4.5% and deposits rose 0.5%. The commercial and industrial book ($1.5 billion) is worsening: 5.55% of it is past due or on nonaccrual, up from 4.83% a year earlier. Costs are the weak spot: it spends about 66 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
As of June 30, 2026, Amerant Bank, N.A. reported a CET1 capital ratio of 12.91%, a return on assets of 0.93%, a nonperforming-loan ratio of 2.49% and a Texas ratio of 17.57%. The figures come from its call report filed with the FFIEC.
Amerant Bank, N.A. ranks as the 7th largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $10.27B, loans rose 1.7% and deposits rose 5.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.2%. Its 24 offices in the FDIC Summary of Deposits are in 17 cities in FL; its Coral Gables 2 offices book 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Amerant Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 220 Alhambra Cir, Coral Gables, FL 33134
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- September 17, 1979
- Former names
- Mercantil Bank, National Association (2017-2018); Mercantil Commercebank, National Association (2007-2017); Commercebank, National Association (1982-2007)
- Domestic offices
- 24 FDIC institution directory, current count
- Employees (FTE)
- 704
- Domestic deposits
- $8.36B
- Allowance for credit losses
- $85.5M
- Net charge-offs (YTD)
- $8.6M
- Average total assets
- $10.09B
- Average total loans
- $6.75B
- Average interest-bearing deposits
- $6.62B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 17, 1979
- FDIC Cert
- 22953
- Fed RSSD
- 83638
- SEC CIK
- 1734342 → filed by AMERANT BANCORP INC.
- Website
- www.amerantbank.com →
- Parent Holding Company
- AMERANT BANCORP INC. (RSSD 1135972) · AMTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Gerald P Plush | CEO | Chairman, President & CEO |
| Sharymar Calderon | CFO | SEVP - Chief Financial Officer |
| Carlos Iafigliola | COO | SEVP Chief Operating Officer |
| Tirado Camacho Yecimar | CRO | EVP, Chief Risk Officer |
| Cragg Lee Ann | CCO | SEVP, Chief Credit Officer |
| Martin Silvio Marshall | GC | EVP & Chief Legal Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Amerant Bank, N.A.'s total assets moved between a low of $9.33B (Q3 2023) and a high of $10.39B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$10.27B total assets against $10.31B; $9.29B total liabilities against $9.33B.
$6.78B net loans and leases against $7.10B; $8.36B total deposits against $8.32B.
$2.55B securities against $1.79B; $298.3M cash and balances due against $628.5M.
$135.6M total interest income against $151.1M; $51.8M total interest expense against $59.1M.
$83.9M net interest income against $91.9M.
$17.6M total noninterest income against $20.0M; $67.0M total noninterest expense against $73.4M.
$4.8M provision for credit losses against $6.1M.
$23.4M net income against $25.0M.
0.93% return on assets against 0.98%; 3.53% net interest margin against 3.78%.
12.91% CET1 capital ratio against 12.03%; 9.88% tier 1 leverage ratio against 9.76%.
Inside the full Amerant Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Amerant Bank, N.A. rankings
Its closest position to the top of a national ranking is 154 of 4,196, for total assets; its furthest is 2,656 of 3,611, for ROA.
Metric pages for Amerant Bank, N.A.: Texas Ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.81% (Q3 2024) to 0.98% (Q2 2025) and its net interest margin ran from 3.53% (Q1 2026) to 3.97% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.91% | 0.93% | 2.49% | 17.57% | 3.53% |
| Q1 2026 | 12.72% | 0.87% | 2.61% | 18.27% | 3.53% |
| Q4 2025 | 12.35% | 0.29% | 2.56% | 17.81% | 3.82% |
| Q3 2025 | 12.04% | 0.67% | 1.79% | 13.08% | 3.97% |
| Q2 2025 | 12.03% | 0.98% | 1.15% | 9.18% | 3.78% |
| Q1 2025 | 11.77% | 0.60% | 1.71% | 13.55% | 3.74% |
| Q4 2024 | 11.73% | 0.79% | 1.43% | 12.17% | 3.82% |
| Q3 2024 | 11.07% | -1.81% | 1.52% | 12.99% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 24 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Amerant Bank, N.A. (main office) | Coral Gables , FL | 33134 | $5.13B |
| Coral Gables Branch | Coral Gables , FL | 33134 | $866.7M |
| Galloway Branch | Doral , FL | 33172 | $210.1M |
| Pinecrest Branch | Miami , FL | 33156 | $174.6M |
| Cypress Creek Branch | Fort Lauderdale , FL | 33309 | $171.5M |
| Downtown Miami Banking Center Branch | Miami , FL | 33131 | $163.0M |
| Aventura Branch | Aventura , FL | 33180 | $158.8M |
| Kendall Branch | Miami , FL | 33176 | $136.5M |
| Coral Way Branch | Miami , FL | 33155 | $136.3M |
| West Palm Beach Banking Center Branch | West Palm Beach , FL | 33401 | $127.5M |
| Coral Springs Branch | Coral Springs , FL | 33071 | $123.0M |
| Tampa Banking Center Branch | Tampa , FL | 33609 | $122.1M |
| Weston Branch | Weston , FL | 33331 | $118.2M |
| Key Biscayne Banking Center Branch | Key Biscayne , FL | 33149 | $106.7M |
| East Las Olas Banking Center Branch | Fort Lauderdale , FL | 33301 | $101.7M |
| Boca Raton Banking Center | Boca Raton , FL | 33431 | $91.8M |
| West 41 Street Branch | Doral , FL | 33178 | $81.6M |
| Miami Lakes Banking Center Branch | Miami Lakes , FL | 33014 | $80.1M |
| Davie Banking Center | Davie , FL | 33328 | $73.4M |
| Delray Beach Banking Center Branch | Delray Beach , FL | 33483 | $69.5M |
| Hialeah Gardens Branch | Hialeah , FL | 33012 | $67.2M |
| Bay Harbor Banking Center Branch | Bay Harbor Islands , FL | 33154 | $20.5M |
| Miami Beach Banking Center Branch | Miami Beach , FL | 33140 | $14.6M |
| Downtown Tampa Banking Center Branch | Tampa , FL | 33602 | $10.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2021 | Structure Change | Acquired Amerant Trust, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2006 | Structure Change | Acquired Florida Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 5, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1990 | Structure Change | Acquired Imperial Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 23, 1990 | Structure Change | Acquired Miami National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 22, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- November 12, 1992, OCC: Formal Agreement: Commercebank, N. A.
- Period: Most recent institution action November 12, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in FL, rank 19 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 786 applications, 356 loans originated, $187.8M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $9.5M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Amerant Bank, N.A.
What are Amerant Bank, N.A.'s total assets?
As of the Q2 2026 filing, Amerant Bank, N.A. reported total assets of $10.27 billion in its FFIEC call report.
Where is Amerant Bank, N.A. headquartered?
It is headquartered in Coral Gables, FL, United States.
When was Amerant Bank, N.A. founded?
It was established in 1979, per the FDIC institution directory.
Is Amerant Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amerant Bank, N.A.?
Amerant Bank, N.A.'s primary federal regulator is the OCC.
What is Amerant Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Amerant Bank, N.A. operate?
It operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amerant Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 17.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Amerant Bank, N.A. previously called?
The charter now named Amerant Bank, N.A. has also operated as Mercantil Bank, National Association (2017-2018), Mercantil Commercebank, National Association (2007-2017), Commercebank, National Association (1982-2007), per FDIC structure-change records.
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