Amerant Bancorp
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.
- Company typePublic
- Founded1985
- HeadquartersCoral Gables, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
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.
Amerant Bancorp firmographics
Firmographics- 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
Amerant Bancorp industry classification
Industry- 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 primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Real Estate (Commercial Property, REITs) (FSABACAH), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)
Keywords
Where Amerant Bancorp is headquartered
LocationHeadquarters
- HQ city
- Coral Gables
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Amerant Bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Net Interest Income: Interest income from loan portfolio including commercial real estate, residential mortgages, and consumer loans minus interest paid on deposits
- Non-interest Income: Fees from deposit accounts, loan fees, wealth management services, mortgage banking, and international banking services
- Service Charges and Fees: Monthly maintenance fees, overdraft fees, wire transfer fees, and other banking service charges
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Value Checking - $5 monthly fee, $50 minimum opening |
| Subscription | Monthly | Interest Checking - $15 monthly fee, $100 minimum opening |
| Subscription | Monthly | Savings Account - $5 monthly fee, $50 minimum opening |
| One time/ perpetual license | Multi-year contract | Certificates of Deposit - $10,000 minimum, various terms |
| Subscription | Monthly | International Checking - $5,000-$25,000 minimums |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels5 records
Amerant Bancorp product offering
Product offeringCore 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
Companies that use Amerant Bancorp
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
Amerant Bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature4 records
Amerant Bancorp partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Miami DolphinscoreMulti-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 RayscoreOfficial Bank of the Tampa Bay Rays partnership marking Amerant's expanding presence across the Tampa Bay area.
- Florida PantherscoreOfficial Bank of the Florida Panthers and naming rights partner for Amerant Bank Arena, home of the NHL team.
- Habitat for HumanityminorCommunity partnership allowing Amerant team members to volunteer in home construction for deserving families.
- United Way MiamiminorPartnership supporting local neighborhood preservation and community service initiatives.
- Camillus HouseminorArt Therapy program funding supporting those recovering from behavioral issues underlying homelessness.
Scale indicators9 records
Recent moves8 records
Expansion highlights6 records
Amerant Bancorp competitors and assessment
Company assessmentDirect 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
Amerant Bancorp social profiles
Digital presenceAmerant Bancorp compliance and trust
Trust signalCompliance5 records
Amerant Bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Amerant Bancorp leadership team
Management profileNumber of profiles
Profiles9 records
Amerant Bancorp subsidiaries and ownership
Company hierarchySubsidiaries2 records
Amerant Bancorp funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Amerant Bancorp M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Amerant Bancorp
What does Amerant Bancorp do?
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).
Is Amerant Bancorp a public or private company?
Amerant Bancorp is a public company. It is classified as public and is currently operating.
When was Amerant Bancorp founded?
Amerant Bancorp was founded in 1985. It employs 501 to 1,000 people.
Where is Amerant Bancorp based?
Amerant Bancorp is headquartered in Coral Gables, United States, in the North America region.
How does Amerant Bancorp make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-interest Income and service Charges and Fees.
Who are Amerant Bancorp's main competitors?
Direct peers on record are Seacoast Banking Corporation of Florida, BankUnited, First Horizon Corporation, Synovus Financial, Trustmark Corporation, Home BancShares, United Community Banks and Pinnacle Financial Partners. Bank of Tampa is listed as a regional player. Regions Financial is listed as a broad incumbent.
Does Amerant Bancorp have an API?
No public API is recorded for Amerant Bancorp.
What industry is Amerant Bancorp in?
Amerant Bancorp's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 522110 and its SIC code is 6021.