AMTB Amerant Bancorp Inc.

Margins & Returns

Amerant Bancorp Inc. functions as the parent entity for Amerant Bank, N.A., delivering a comprehensive array of banking and financial solutions to both individual consumers and corporate clients. The bank operates domestically within the United States and extends its reach to international markets. For deposit needs, the bank offers standard checking, savings, and money market accounts, alongside certificates of deposit. Its diverse lending portfolio includes variable and fixed-rate commercial real estate loans, financing for owner-occupied properties, and personal loans for both domestic and international clients, frequently secured by their residences. For businesses, Amerant provides working capital, asset-based lending, participation in shared national credits, purchased receivables, and Small Business Administration (SBA) loans. It also extends credit facilities to other financial institutions and issues acceptances. On the consumer side, offerings encompass vehicle and personal loans, lines of credit secured by cash or other assets, and revolving credit card options. The firm further offers specialized wealth management and advisory services, including trust and estate planning for high-net-worth individuals, alongside brokerage and investment guidance in global capital markets. Standard banking conveniences such as debit and credit cards, night depositories, direct deposits, cashier's checks, safe deposit boxes, and letters of credit are also available. Its treasury management suite features services like wire transfers, remote deposit capture, and automated clearinghouse (ACH) processing. Digital banking is a core focus, with online and mobile platforms enabling customers to monitor balances, access statements, transfer funds, pay bills, and receive electronic statement deliveries. Customers can additionally access services through automated teller machines (ATMs), mobile devices, telephone, and traditional mail. As of the close of 2021, the company maintained 24 banking centers, consisting of 17 in Florida and 7 in Texas, complemented by a loan production office in Tampa, Florida. Founded in 1979 and headquartered in Coral Gables, Florida, the entity adopted its current name, Amerant Bancorp Inc., in June 2019, having previously operated as Mercantil Bank Holding Corporation.