Amerant Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.09 percentage points between Q1 2026 and Q2 2026, to 6.13%. Within Florida, Amerant Bank, N.A. is 48th of 79 on net interest margin, 3.53% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin; Amerant Bank, N.A. reported 3.53% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | 6.13% |
| Yield on securities | 4.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.53% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $103.4M |
| Total interest expense | $51.8M |
| Interest expense on deposits | $44.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.23% | 2.80% | 3.62% | 6.73% | 3.67% |
| Q4 2023 | 6.51% | 2.96% | 3.76% | 7.06% | 3.79% |
| Q1 2024 | 6.34% | 3.01% | 3.52% | 6.92% | 3.88% |
| Q2 2024 | 6.39% | 3.03% | 3.56% | 6.95% | 3.98% |
| Q3 2024 | 6.45% | 3.11% | 3.55% | 7.03% | 3.98% |
| Q4 2024 | 6.50% | 2.86% | 3.82% | 6.97% | 4.66% |
| Q1 2025 | 6.22% | 2.64% | 3.74% | 6.67% | 4.73% |
| Q2 2025 | 6.22% | 2.62% | 3.78% | 6.77% | 4.84% |
| Q3 2025 | 6.34% | 2.55% | 3.97% | 6.90% | 4.81% |
| Q4 2025 | 6.15% | 2.48% | 3.82% | 6.69% | 4.87% |
| Q1 2026 | 5.76% | 2.37% | 3.53% | 6.22% | 4.70% |
| Q2 2026 | 5.70% | 2.32% | 3.53% | 6.13% | 4.76% |
Amerant Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerant Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)