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Dec 31, 2025
Amerant Q4 2025 Earnings Report
Amerant reported its fourth quarter and full-year 2025 results, highlighting strategic efforts to position the bank for long-term success despite elevated non-interest expenses and ongoing credit normalization.
Key Takeaways
Amerant Bancorp Inc. reported a net income of $2.7 million for the fourth quarter of 2025, or $0.07 per diluted share, a significant decrease from the previous quarter. The company's total assets were $9.8 billion, down 6.1%, and total deposits decreased by 6.2%. Non-performing assets increased by 33.6% to $186.9 million, reflecting ongoing credit normalization. Despite these challenges, the company maintained a strong funding mix, high liquidity, and a solid capital position, with a healthy financial margin and solid core PPNR for the full year.
Net income attributable to Amerant Bancorp Inc. for Q4 2025 was $2.7 million, or $0.07 per diluted share, a substantial decline from $14.8 million in Q3 2025.
Total assets decreased by $633.2 million (6.1%) to $9.8 billion, and total deposits fell by $514.0 million (6.2%) to $7.8 billion quarter-over-quarter.
Non-performing assets rose by $47.0 million (33.6%) to $186.9 million, indicating ongoing credit normalization and strategic actions to address credit matters.
The efficiency ratio increased significantly to 95.19% in Q4 2025 from 69.84% in Q3 2025, driven by elevated non-interest expenses.
Revenue by Geographic Location
Forward Guidance
Amerant's forward-looking statements indicate a strategic focus on strengthening asset quality, optimizing the balance sheet and operational processes, and accelerating profitable growth in 2026. The company aims to deliver value to customers, communities, and shareholders, while acknowledging known and unknown risks and uncertainties.
Positive Outlook
- Prioritizing sustainable growth supported by disciplined credit management.
- Maintaining a strong funding mix, high liquidity levels, and a solid capital position.
- Focusing on strengthening asset quality in the upcoming year.
- Optimizing the balance sheet and operational processes for improved efficiency.
- Accelerating profitable growth to deliver value to stakeholders.
Challenges Ahead
- Incurred elevated non-interest expenses in Q4 2025.
- Experienced ongoing credit normalization, impacting financial performance.
- Strategic actions to address credit matters and enhance risk-selection processes contributed to increased expenses.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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