Amerant Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.31 percentage points in Q2 2026, from 229.67% to 220.36%. 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. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Amerant Bank, N.A. sits 4.71 points lower, at 82.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.87B |
| Net loans and leases | $6.78B |
| Loans held for sale | $122.6M |
| Loans to total assets | 66.82% |
| Loan-to-deposit ratio | 82.12% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.01% |
| Multifamily (5+ residential) | 3.74% |
| Commercial and industrial | 21.68% |
| Consumer | 3.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 220.36% |
| Construction concentration (Tier 1 capital + allowance) | 49.56% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.13% |
| Interest income on loans | $103.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.14B | $7.60B | 38.74% | 20.30% | 6.12% |
| Q4 2023 | $7.26B | $7.94B | 38.42% | 20.65% | 5.35% |
| Q1 2024 | $7.01B | $7.94B | 40.91% | 22.08% | 4.79% |
| Q2 2024 | $7.32B | $7.87B | 41.35% | 21.97% | 4.14% |
| Q3 2024 | $7.56B | $8.22B | 39.98% | 22.69% | 3.75% |
| Q4 2024 | $7.27B | $7.95B | 36.93% | 24.06% | 3.69% |
| Q1 2025 | $7.22B | $8.24B | 36.47% | 23.72% | 3.43% |
| Q2 2025 | $7.19B | $8.32B | 38.30% | 21.69% | 3.44% |
| Q3 2025 | $6.94B | $8.34B | 36.83% | 21.81% | 3.48% |
| Q4 2025 | $6.70B | $7.80B | 36.73% | 21.58% | 3.60% |
| Q1 2026 | $6.75B | $7.95B | 35.08% | 21.99% | 3.27% |
| Q2 2026 | $6.87B | $8.36B | 34.01% | 21.68% | 3.05% |
Amerant Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerant Bank, N.A., freeSource: Call Report Schedule RC-C, 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)