Amerant Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Amerant Bank, N.A. is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $10.3B in assets, including $6.9B in loans. Earnings are mid-range, 0.93% ROA and a 3.53% net interest margin. Regulatory capital is solid, 12.91% CET1 and 14.15% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 2.46%. Its footprint covers 24 branches concentrated in Florida.
As of June 30, 2026, Amerant Bank, N.A. reported a CET1 capital ratio of 12.91%, a return on assets of 0.93%, a nonperforming-loan ratio of 2.46%, a Texas ratio of 17.75%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 220 Alhambra Cir, Coral Gables, FL 33134
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- September 17, 1979
- Former names
- Mercantil Bank, National Association (2017-2018); Mercantil Commercebank, National Association (2007-2017); Commercebank, National Association (1982-2007)
- Offices
- 24 domestic
- Employees (FTE)
- 704
- Domestic deposits
- $8.36B
- Allowance for credit losses
- $85.5M
- Net charge-offs (YTD)
- $8.6M
- Average total assets
- $10.09B
- Average total loans
- $6.75B
- Average interest-bearing deposits
- $6.62B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 17, 1979
- FDIC Cert
- 22953
- Fed RSSD
- 83638
- SEC CIK
- 1734342 → filed by AMERANT BANCORP INC.
- Website
- www.amerantbank.com →
- Parent Holding Company
- AMERANT BANCORP INC. (RSSD 1135972) · AMTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Plush Gerald P | CEO | Chairman, President & CEO |
| Calderon Sharymar | CFO | SEVP - Chief Financial Officer |
| Iafigliola Carlos | COO | SEVP Chief Operating Officer |
| Tirado Camacho Yecimar | CRO | EVP, Chief Risk Officer |
| Cragg Lee Ann | CCO | SEVP, Chief Credit Officer |
| Martin Silvio Marshall | GC | EVP & Chief Legal Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Amerant Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Amerant Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Amerant Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Amerant Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.91% | 0.93% | 2.46% | 17.75% | 3.53% |
| Q1 2026 | 12.72% | 0.87% | 2.57% | 18.46% | 3.53% |
| Q4 2025 | 12.35% | 0.29% | 2.51% | 18.02% | 3.82% |
| Q3 2025 | 12.04% | 0.67% | 1.77% | 13.23% | 3.97% |
| Q2 2025 | 12.03% | 0.98% | 1.13% | 9.30% | 3.78% |
| Q1 2025 | 11.77% | 0.60% | 1.69% | 13.60% | 3.74% |
| Q4 2024 | 11.73% | 0.79% | 1.38% | 12.29% | 3.82% |
| Q3 2024 | 11.07% | -1.81% | 1.50% | 13.02% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Amerant Bank, N.A. (main office) | Coral Gables , FL | 33134 | $5.13B |
| Coral Gables Branch | Coral Gables , FL | 33134 | $866.7M |
| Galloway Branch | Doral , FL | 33172 | $210.1M |
| Pinecrest Branch | Miami , FL | 33156 | $174.6M |
| Cypress Creek Branch | Fort Lauderdale , FL | 33309 | $171.5M |
| Downtown Miami Banking Center Branch | Miami , FL | 33131 | $163.0M |
| Aventura Branch | Aventura , FL | 33180 | $158.8M |
| Kendall Branch | Miami , FL | 33176 | $136.5M |
| Coral Way Branch | Miami , FL | 33155 | $136.3M |
| West Palm Beach Banking Center Branch | West Palm Beach , FL | 33401 | $127.5M |
| Coral Springs Branch | Coral Springs , FL | 33071 | $123.0M |
| Tampa Banking Center Branch | Tampa , FL | 33609 | $122.1M |
| Weston Branch | Weston , FL | 33331 | $118.2M |
| Key Biscayne Banking Center Branch | Key Biscayne , FL | 33149 | $106.7M |
| East Las Olas Banking Center Branch | Fort Lauderdale , FL | 33301 | $101.7M |
| Boca Raton Banking Center | Boca Raton , FL | 33431 | $91.8M |
| West 41 Street Branch | Doral , FL | 33178 | $81.6M |
| Miami Lakes Banking Center Branch | Miami Lakes , FL | 33014 | $80.1M |
| Davie Banking Center | Davie , FL | 33328 | $73.4M |
| Delray Beach Banking Center Branch | Delray Beach , FL | 33483 | $69.5M |
| Hialeah Gardens Branch | Hialeah , FL | 33012 | $67.2M |
| Bay Harbor Banking Center Branch | Bay Harbor Islands , FL | 33154 | $20.5M |
| Miami Beach Banking Center Branch | Miami Beach , FL | 33140 | $14.6M |
| Downtown Tampa Banking Center Branch | Tampa , FL | 33602 | $10.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2021 | Structure Change | Acquired Amerant Trust, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2006 | Structure Change | Acquired Florida Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 5, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1990 | Structure Change | Acquired Imperial Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 30, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 23, 1990 | Structure Change | Acquired Miami National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 22, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Amerant Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- November 12, 1992, OCC: Formal Agreement: Commercebank, N. A.
- Period: Most recent institution action November 12, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in FL, rank 19 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 786 applications, 356 loans originated, $187.8M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Amerant Bank, N.A.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Amerant Bank, N.A. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Amerant Bank, N.A.
What are Amerant Bank, N.A.'s total assets?
As of the Q2 2026 filing, Amerant Bank, N.A. reported total assets of $10.27 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Amerant Bank, N.A. headquartered?
Amerant Bank, N.A. is headquartered in Coral Gables, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Amerant Bank, N.A. founded?
Amerant Bank, N.A. was established in 1979, per the FDIC institution directory.
Is Amerant Bank, N.A. FDIC-insured?
Yes. Amerant Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #22953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Amerant Bank, N.A.?
Amerant Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Amerant Bank, N.A.'s CET1 capital ratio?
Amerant Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does Amerant Bank, N.A. operate?
Amerant Bank, N.A. operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Amerant Bank, N.A.'s Texas Ratio?
Amerant Bank, N.A.'s Texas Ratio is 17.75% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Amerant Bank, N.A. previously called?
The charter now named Amerant Bank, N.A. has also operated as Mercantil Bank, National Association (2017-2018), Mercantil Commercebank, National Association (2007-2017), Commercebank, National Association (1982-2007), per FDIC structure-change records.
Go deeper on Amerant Bank, N.A.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Amerant Bank, N.A., freeFree account