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Amerant Bancorp (AMTB) investor relations material
Amerant Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $14.8 million ($0.35 per diluted share), down from $23.0 million in the prior quarter, reflecting higher credit loss provisions and a focus on asset quality over growth.
Total assets reached $10.4 billion, with deposits stable at $8.3 billion and assets under management and custody at $3.17 billion, up 3.4%.
Net interest margin improved to 3.92%, with net interest income at $94.2 million, while non-interest income was $17.3 million.
Core expenses rose due to legal and consulting costs, but expense reduction initiatives and leadership changes are underway.
Strategic focus shifted to core Florida markets, with new branch openings and a wind-down of the mortgage business planned for 2026.
Financial highlights
Total assets were $10.4 billion; investment securities increased to $2.3 billion; gross loans declined to $6.9 billion.
Net interest income was $94.2 million, up sequentially; non-interest income was $17.3 million, down from the prior quarter.
Non-interest expense was $77.8 million, with core non-interest expense at $75.9 million.
Pre-provision net revenue was $33.6 million, down from $35.9 million in 2Q25.
ROA and ROE were 0.57% and 6.21%, both down from the prior quarter.
Outlook and guidance
4Q loan growth expected at $125–$175 million (2.5%), with net interest margin projected at 3.75%.
Non-interest income expected between $17.5–$18 million; expenses to decrease to $74–$75 million.
Core ROA projected in the mid-80s to low 90s basis points, with efficiency ratio in the high 60s.
Expense reduction initiatives targeting $2–$3 million in quarterly savings in 2026.
Management expects continued focus on core markets, balance sheet optimization, and credit quality monitoring.
Which loan segments drove NPL increase in 3Q25?
How will Q4 loan growth be achieved?
Detail planned expense reductions
When will NPLs show sustained reduction?
Expense reduction plan and 2026 impact?
Future loan growth strategy and drivers?
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Next Amerant Bancorp earnings date
Q4 202516 Jan, 2026
Next Amerant Bancorp earnings date
Q4 202516 Jan, 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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