Amerant Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.3% lower than in Q1 2026, at -$24.6M. Amerant Bank, N.A. ranks 41st of 56 Florida banks on CET1 ratio, in the lower half at 12.91% (Q2 2026). At 12.91%, Amerant Bank, N.A.'s CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.91% |
| Tier 1 risk-based capital ratio | 12.91% |
| Total risk-based capital ratio | 14.15% |
| Tier 1 leverage ratio | 9.88% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $995.9M |
| Tier 1 capital | $995.9M |
| Total risk-based capital | $1.09B |
| Total equity capital | $986.3M |
| Risk-weighted assets | $7.71B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.60% |
| Tangible equity to tangible assets | 9.42% |
| Equity capital to average assets | 9.77% |
| Internal capital growth rate | 3.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $119.0M |
| Common stock surplus | $421.5M |
| Retained earnings | $470.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$24.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.46% | 11.46% | 12.71% | 9.37% | $7.83B |
| Q4 2023 | 10.73% | 10.73% | 11.95% | 9.03% | $8.07B |
| Q1 2024 | 11.14% | 11.14% | 12.39% | 8.97% | $7.89B |
| Q2 2024 | 10.72% | 10.72% | 11.91% | 9.09% | $8.30B |
| Q3 2024 | 11.07% | 11.07% | 12.08% | 9.34% | $8.45B |
| Q4 2024 | 11.73% | 11.73% | 12.84% | 9.50% | $8.16B |
| Q1 2025 | 11.77% | 11.77% | 13.02% | 9.69% | $8.26B |
| Q2 2025 | 12.03% | 12.03% | 13.19% | 9.76% | $8.31B |
| Q3 2025 | 12.04% | 12.04% | 13.29% | 9.57% | $8.12B |
| Q4 2025 | 12.35% | 12.35% | 13.49% | 9.47% | $7.81B |
| Q1 2026 | 12.72% | 12.72% | 13.88% | 10.02% | $7.75B |
| Q2 2026 | 12.91% | 12.91% | 14.15% | 9.88% | $7.71B |
Amerant Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerant Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Amerant Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22953) · FFIEC NIC profile (RSSD 83638)