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Amerant Bancorp
Amerant Bancorp (AMTB) investor relations material
Amerant Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Approved a three-year strategic plan focused on stabilization, optimization, and sustainable growth, emphasizing credit quality, operational efficiency, and human capital development.
Launched initiatives to improve credit performance, optimize the balance sheet, and enhance operational efficiency, including an AI project for process optimization.
Immediate priorities include credit transformation, operational efficiency, and expense reduction.
Net income for Q4 2025 was $2.7M ($0.07/diluted share), down from $14.8M in Q3 2025; full-year 2025 net income was $52.4M ($1.26/diluted share) versus a net loss of $15.8M in 2024.
Identified growth opportunities in Venezuela due to recent geopolitical developments and increased oil sector activity.
Financial highlights
Total assets at Q4 2025 were $9.8B, down from $10.4B sequentially and 1.3% year-over-year.
Total deposits fell by $514M to $7.8B, with broker deposits down to $435.7M.
Gross loans declined by $244.6M to $6.7B, mainly due to prepayments and repayments.
Net interest income for Q4 2025 was $90.2M, down from $94.2M sequentially but up 2.9% year-over-year; full-year NII was $360.7M, up 10.7%.
Non-interest income for Q4 2025 was $22.0M, up 27.3% sequentially; non-interest expense for Q4 2025 was $106.8M, up 37.2% sequentially.
Efficiency ratio for Q4 2025 was 95.19%, up from 69.84% in Q3; core efficiency ratio was 72.58%.
ROA and ROE for Q4 2025 were 0.10% and 1.12%, respectively, both down sequentially.
CET1 ratio improved to 11.8% from 11.54%; total capital ratio at 14.10%.
Outlook and guidance
Projecting flat loan balances in Q1 2026, with full-year loan growth of 7%-9%.
Deposit growth expected to match loan growth; focus on improving deposit mix and cost of funds.
Net interest margin projected at 3.65%-3.70%; expenses expected to decline from $70-$71M in 1H 2026 to $67-$68M by year-end.
Long-term targets include achieving 1% ROA and a 60% efficiency ratio by year-end 2026.
Continued prudent capital management balancing growth, buybacks, and dividends.
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Next Amerant Bancorp earnings date
Q1 202623 Apr, 2026
Amerant Bancorp
Next Amerant Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Amerant Bancorp Inc is a bank holding company that operates through its principal subsidiary, Amerant Bank. The company provides personal and commercial banking, wealth management, and mortgage services to customers primarily in Florida and Texas. It offers services through branches, digital banking platforms, and business banking specialists. Amerant Bancorp Inc is headquartered in Coral Gables, Florida, and its shares are listed on the NASDAQ.
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