Amerant Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.03 percentage points higher than in Q1 2026, at 50.64%. Within Florida, Amerant Bank, N.A. is 50th of 79 on return on assets, 0.93% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Amerant Bank, N.A. sits 0.37 points lower, at 0.93% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.91% |
| Tier 1 risk-based capital ratio | 12.91% |
| Total risk-based capital ratio | 14.15% |
| Tier 1 leverage ratio | 9.88% |
| Equity capital to assets | 9.60% |
| Tangible equity to tangible assets | 9.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.46% |
| Non-performing assets ratio | 1.79% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 17.75% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 50.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 9.52% |
| Net interest margin | 3.53% |
| Efficiency ratio | 65.87% |
| Yield on earning assets | 5.70% |
| Cost of funds | 2.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.12% |
| Core deposits to total deposits | 86.02% |
| Brokered deposits to total deposits | 5.96% |
| Deposits to assets | 81.37% |
| Securities to assets | 24.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.46% | 11.46% | 12.71% | 9.37% | 1.04% |
| Q4 2023 | 10.73% | 10.73% | 11.95% | 9.03% | -0.62% |
| Q1 2024 | 11.14% | 11.14% | 12.39% | 8.97% | 0.56% |
| Q2 2024 | 10.72% | 10.72% | 11.91% | 9.09% | 0.32% |
| Q3 2024 | 11.07% | 11.07% | 12.08% | 9.34% | -1.81% |
| Q4 2024 | 11.73% | 11.73% | 12.84% | 9.50% | 0.79% |
| Q1 2025 | 11.77% | 11.77% | 13.02% | 9.69% | 0.60% |
| Q2 2025 | 12.03% | 12.03% | 13.19% | 9.76% | 0.98% |
| Q3 2025 | 12.04% | 12.04% | 13.29% | 9.57% | 0.67% |
| Q4 2025 | 12.35% | 12.35% | 13.49% | 9.47% | 0.29% |
| Q1 2026 | 12.72% | 12.72% | 13.88% | 10.02% | 0.87% |
| Q2 2026 | 12.91% | 12.91% | 14.15% | 9.88% | 0.93% |
Amerant Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerant Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)