Amerant Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 68.1% in Q2 2026, from $177.5M to $298.3M. It was the largest change from Q1 2026 among the key lines here. Within Florida, Amerant Bank, N.A. is 32nd of 81 on loan-to-deposit ratio, 82.12% as of Q2 2026, above the middle of the field. Amerant Bank, N.A. reported 82.12% on loan-to-deposit ratio for Q2 2026, 4.71 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $298.3M |
| Cash and noninterest-bearing balances to assets | 2.90% |
| Cash and securities | $2.85B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $702.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.12% |
| Net loans and leases to deposits | 81.10% |
| Loans and leases to core deposits | 89.28% |
| Core deposits to total deposits | 86.02% |
| Brokered deposits to total deposits | 5.96% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 93.99% | 81.10% | $0 | $595.0M |
| Q4 2023 | 91.48% | 82.00% | $0 | $645.0M |
| Q1 2024 | 88.28% | 82.93% | $0 | $715.0M |
| Q2 2024 | 93.09% | 82.09% | $0 | $765.0M |
| Q3 2024 | 92.02% | 82.23% | $0 | $915.0M |
| Q4 2024 | 91.41% | 81.99% | $0 | $745.0M |
| Q1 2025 | 87.60% | 82.62% | $0 | $715.0M |
| Q2 2025 | 86.43% | 83.43% | $0 | $765.0M |
| Q3 2025 | 83.28% | 84.45% | $0 | $831.7M |
| Q4 2025 | 85.81% | 84.68% | $0 | $712.0M |
| Q1 2026 | 84.98% | 84.02% | $0 | $732.3M |
| Q2 2026 | 82.12% | 86.02% | $0 | $702.6M |
Amerant Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerant Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)