Amerant Bancorp

What Amerant Bancorp does

Amerant Bancorp Inc. (NYSE: AMTB) is a Florida-headquartered bank holding company operating primarily through its FDIC-member subsidiary Amerant Bank, N.A., the largest community bank headquartered in Florida. Founded approximately 40 years ago and headquartered in Coral Gables, the company reported $9.9 billion in total assets and $7.9 billion in deposits as of Q1 2026, serving retail consumers, small and mid-sized businesses, commercial real estate borrowers, high-net-worth clients, and Latin American international clients across 23 banking centers in South Florida and Tampa following the November 2024 divestiture of its Houston branches to MidFirst Bank.

The company operates a traditional community bank product set spanning personal checking, savings, money market, CDs, credit cards, mortgages, and home equity products; business checking, SBA, HOA, asset-based, and commercial real estate loans; and premium services including wealth management, trust, and sports & entertainment banking through its Amerant Investments broker-dealer subsidiary. Technology infrastructure consists of an online and mobile banking platform (iOS/Android), the TreasuryConnect treasury management platform for business clients, the CoverMe overdraft product, and integrations including Zelle, FedNOW, RTP, Apple/Google/Samsung Pay, Allpoint ATM network, and IntraFi/ICS for deposit insurance scaling.

Amerant generates revenue primarily through net interest income on its loan and deposit portfolio (commercial real estate, residential mortgage, consumer) plus non-interest income from deposit fees, loan fees, wealth management, mortgage banking, and international banking services, with Q1 2026 revenue of $97.66M and net income of $17.9M. Its go-to-market combines a physical branch network with relationship managers for commercial and private clients, digital onboarding and self-service channels, and high-visibility sports partnerships (Miami Dolphins, Tampa Bay Rays, Florida Panthers with Amerant Bank Arena naming rights) as brand-building assets.

Name

Amerant Bancorp

Legal name

Amerant Bancorp Inc.

Website

https://amerantbank.com

Company type

Public

Founded year

1985

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Amerant Bancorp (NYSE: AMTB) is a Coral Gables, Florida-based bank holding company operating Amerant Bank, N.A., the largest community bank headquartered in Florida, serving retail, SMB, commercial, private, and Latin American international clients across 23 Florida banking centers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

National Commercial Banks (6021), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro industry

PRIMARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABACAH

Real Estate (Commercial Property, REITs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Corporate Banking (Large Corporates)

SECONDARYFSABADAD

Private Banking Advisory & Discretionary Portfolio Management

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Private Banking

Keywords

• Community banking services
• Commercial real estate lending
• Wealth management services
• International banking solutions
• Small business lending

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Net Interest Income: Interest income from loan portfolio including commercial real estate, residential mortgages, and consumer loans minus interest paid on deposits
2. Non-interest Income: Fees from deposit accounts, loan fees, wealth management services, mortgage banking, and international banking services
3. Service Charges and Fees: Monthly maintenance fees, overdraft fees, wire transfer fees, and other banking service charges

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Amerant Bancorp operates as a bank holding company through its main subsidiary Amerant Bank, N.A., providing personal and business deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (mortgages, HELOCs, credit cards, SBA, commercial real estate, construction, bridge, asset-based loans), wealth management and trust services, international banking for non-US residents, and digital banking channels (online, mobile, TreasuryConnect). It also operates wholly-owned subsidiaries Amerant Investments (broker-dealer and investment adviser) and Amerant Mortgage (residential mortgage lending).

Product overview

Amerant Bancorp Inc. operates as a bank holding company through its main subsidiary Amerant Bank, N.A., offering a comprehensive suite of banking products and financial services. The portfolio includes personal banking products (checking, savings, money market, CDs, personal loans, credit cards, and home equity products), business banking (checking, savings, commercial loans including SBA and asset-based lending), commercial real estate lending (income-producing loans, construction loans, bridge loans), international banking services for non-US residents, and premium private client banking with wealth management, trust services, and sports & entertainment banking. The bank operates digital channels including Amerant Online Banking, Amerant Mobile Banking, and TreasuryConnect for business clients. The company also maintains subsidiaries Amerant Investments (SEC-registered broker-dealer/investment adviser) and Amerant Mortgage (residential mortgage lending), collectively serving retail customers, businesses, and high-net-worth individuals across South Florida and Tampa.

Differentiator

Problem solved

Functional benefit

Brands

• Amerant Investments: Dually registered broker-dealer and investment adviser providing investment services to clients
• Amerant Mortgage
• Amerant Bank Arena
• Amerant Online Banking
• Amerant Mobile
• Amerant CoverMe
• Amerant TreasuryConnect

Products and services

• Value Checking Basic personal checking account with no minimum balance requirement, unlimited transactions, Mastercard debit card, online/mobile banking, Zelle, and Amerant CoverMe overdraft protection up to $100; $5 monthly fee waived with 4 debit transactions, online statements, or direct deposit.
• Interest Checking Interest-earning personal checking account with tiered interest rates designed for customers with higher balances; $15 monthly fee waived with $2,500 balance.
• Student Checking Checking account for students aged 18-24 with no monthly balance requirements, free first-year safe deposit box, $0 cashier's checks, and Zelle access.
• Personal Savings Interest-bearing personal savings account with tiered interest rates and easy access to funds; $5 monthly fee waived with $1 balance in linked checking.
• Money Market Interest-bearing savings account offering higher returns than traditional savings with tiered interest rates and check-writing capabilities.
• Relationship Money Market Premium money market account with the highest variable interest rate, check-writing privileges, and Amerant CoverMe overdraft protection.
• Certificates of Deposit (CDs) Fixed-rate savings products with terms from 3 to 60 months, guaranteeing fixed rates for the term length with FDIC insurance up to $250,000; $10,000 minimum opening.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including traditional and Roth IRAs with various investment options through Amerant Investments.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity allowing borrowers to access funds as needed with variable rates.
• Personal Loans Unsecured and secured personal loans for home improvements, debt consolidation, and major purchases.
• Maximum Rewards Visa Signature Card Premium credit card offering maximum rewards on purchases with points or cash back benefits.
• Complete Rewards Visa Signature Card Credit card offering a comprehensive rewards program with competitive earning rates on various spending categories.
• Platinum Edition Visa Card Credit card offering platinum-level benefits including travel perks, purchase protection, and extended warranty coverage.
• BucksBack Secured Visa Card Secured credit card that earns cash back on purchases, designed for individuals building or rebuilding credit.
• Business Checking Business checking accounts with options including Business Checking, Business Interest Checking, Business Advantage Checking, and Business Edge Checking tailored to business size and needs.
• Business Savings Business savings and money market accounts designed to help businesses build capital with competitive interest rates.
• SBA Loans Small Business Administration loans including 7(a) loans and export financing through EWCP and Export Express programs; Amerant provided $20+ million in such financing in 2023.
• HOA Loans Specialized lending products for homeowners associations including reserve banking and operational financing solutions.
• Asset Based Lending Commercial lending solution secured by company assets such as inventory, receivables, and equipment for working capital and growth needs.
• Income Producing Loans Commercial real estate loans for income-producing properties including multifamily, retail, office, and industrial properties.
• Construction Loans Short-term financing for commercial construction projects including ground-up development and renovation of income-producing properties.
• Bridge Loans Short-term commercial financing bridging permanent financing solutions for acquisitions, repositionings, and time-sensitive opportunities.
• International Checking U.S. dollar-denominated checking accounts for non-US residents, including Value Checking Intl, Value Plus Checking Intl, Interest Checking Intl, and International Premier Checking with minimum balance requirements of $5,000-$25,000.
• International Savings Savings accounts for international clients including International Business Savings, Money Market Intl, and International CDs with higher minimum balance requirements.
• Private Client Banking High-net-worth banking services including deposit solutions, lending solutions, residential mortgages, wealth management, trust services, and specialized sports and entertainment banking.
• Wealth Management Comprehensive wealth management services including investment management, portfolio advisory, asset allocation, fixed income portfolios, and trust services for high-net-worth individuals, delivered through Amerant Bank and Amerant Investments.
• Trust Services Fiduciary services including trust administration, estate planning support, and beneficiary management through Amerant Bank, N.A.
• Sports & Entertainment Banking Specialized banking services for professional athletes, entertainers, and other high-profile individuals with unique financial planning needs.
• Amerant Investments SEC-registered broker-dealer and investment adviser offering brokerage services, investment advisory, Smart Portfolio robo-advisory, IRAs, and access to alternative investments through the iCapital partnership.
• Amerant Mortgage Residential mortgage lending subsidiary providing home purchase financing, refinancing, and mortgage services.
• Amerant Online Banking Secure online banking platform for account management, bill pay, fund transfers, Zelle, alerts, and debit card management.
• Amerant Mobile Banking Mobile banking app for iOS and Android enabling check deposits, bill payments, Zelle transfers, account management, and card controls.
• Amerant CoverMe Overdraft protection service that automatically transfers available funds to cover transactions up to $100 without charging overdraft fees.
• Credit Insights Credit monitoring tool providing free credit score access, full credit reports, financial goal planning with credit simulator, and real-time notifications on score changes.
• Personal Finance Tool Comprehensive financial management tool enabling budgeting, expense tracking, goal setting, and consolidated view of all accounts.
• Amerant TreasuryConnect Treasury management platform for businesses providing cash management, payment processing, and account reporting solutions, plus a dedicated Treasury Management team for larger clients.

Quantifiable outcome

• 20 consecutive years of CRA Outstanding and High rating
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Miami DolphinscoreGTM or Marketing Partner · 1 September 2025Multi-year Hometown Bank partnership including Hard Rock Stadium, creating brand awareness and exclusive experiences for customers and communities with signage in The NINE luxury hospitality experience.
• Tampa Bay RayscoreGTM or Marketing Partner · 1 July 2024Official Bank of the Tampa Bay Rays partnership marking Amerant's expanding presence across the Tampa Bay area.
• Florida PantherscoreGTM or Marketing Partner · 1 September 2023Official Bank of the Florida Panthers and naming rights partner for Amerant Bank Arena, home of the NHL team.
• Habitat for HumanityminorStrategic or Co-development PartnerCommunity partnership allowing Amerant team members to volunteer in home construction for deserving families.
• United Way MiamiminorStrategic or Co-development PartnerPartnership supporting local neighborhood preservation and community service initiatives.
• Camillus HouseminorStrategic or Co-development PartnerArt Therapy program funding supporting those recovering from behavioral issues underlying homelessness.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Seacoast Banking Corporation of Florida: Publicly traded Florida-headquartered community bank (NASDAQ: SBCF) with a similar asset size, comparable consumer and commercial banking mix, and overlapping South Florida deposit franchise. Most direct geographic and business-model comparable to Amerant.
• BankUnited: Publicly traded Florida-headquartered bank (NYSE: BKU) with similar community/commercial banking focus, comparable CRE lending exposure, and overlapping Miami-Dade and Broward customer base. Closest public-market Florida competitor to Amerant.
• First Horizon Corporation: Publicly traded Southeast regional bank holding company (NYSE: FHB) with a similar mix of consumer, commercial, and wealth management banking. Larger scale but the same community-bank franchise template applied across the Southeast.
• Synovus Financial: Publicly traded Southeast regional bank (NYSE: SNV) headquartered in Georgia with a comparable mix of commercial banking, CRE lending, and wealth management. Operates at similar scale to Amerant and competes for the same Southeast SMB and consumer relationships.
• Trustmark Corporation: Publicly traded community bank (NASDAQ: TRMK) operating across the Southeast with a comparable mix of consumer, commercial, and CRE lending. Similar asset size and community-bank operating model to Amerant.
• Home BancShares: Publicly traded community bank holding company (NYSE: HOMB) operating across the Southeast with a comparable CRE-heavy loan book and community-bank focus. Comparable in scale and operating philosophy to Amerant.
• United Community Banks: Publicly traded Southeast community bank (NYSE: UCBI) with similar asset size, CRE lending orientation, and consumer/commercial banking model. Operates across the same Southeast geographies as Amerant.
• Pinnacle Financial Partners: Publicly traded community/regional bank holding company (NYSE: PNFP) with similar focus on relationship banking, commercial lending, and wealth management. Operates at comparable scale and follows a similar community-bank playbook.

Regional players

• Bank of Tampa: Privately held Tampa-headquartered community bank with a similar Florida geographic focus, comparable CRE and commercial lending book, and overlapping HNW / private client services. Direct in-market competitor to Amerant's Tampa expansion strategy.

Broad incumbents

• Regions Financial: Large publicly traded Southeast regional bank (NYSE: RF) with overlapping Florida presence and broad consumer/commercial/wealth offering. Larger scale competitor that competes for the same deposit and SMB relationships across Amerant's footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/AmerantBank
• YouTubeyoutube.com/amerant
• Facebookfacebook.com/AmerantBank
• LinkedInlinkedin.com/company/amerantbank
• Instagraminstagram.com/amerantbank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Amerant Bancorp