Amerant Bank, National Association
Coral Gables, Florida, Miami-Dade County
$10.3B in total assets, the 163rd largest of 4,309 US banks and 7th of 84 headquartered in Florida.
- FDIC certificate
- 22953
- Established
- 1979
- Owned by
- Amerant Bcorp Inc
- Primary regulator
- OCC
- Website
- www.amerantbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $10.3B | 2% | $22.5B | |
| Loans | $6.9B | 6% | $14.5B | |
| Deposits | $8.4B | 4% | $18.4B | |
| Return on assets | 0.68% | 10% | 1.30% | |
| Net interest margin | 3.57% | 46% | 3.62% | |
| Efficiency ratio | 65.0% | 83% | 55.1% | |
| Equity to assets | 9.60% | 21% | 11.60% | |
| Loans to deposits | 82% | 32% | 87% |
Growth
Total assets grew 6.4% a year over the last 5 years and 2.2% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2021 | Amerant Trust, National Association Coral Gables, FL | $9M |
| May 2006 | Florida Savings Bank Miami, FL | $134M |
| Apr 2005 | First Texoma Bank Houston, TX | $43M |
| Mar 1990 | Imperial Bank Coral Gables, FL | $23M |
| Mar 1990 | Miami National Bank Miami, FL | $46M |
Where they operate
24 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $7.4B | 3.5% | 8 of 58 |
| Broward County, FL | $588M | 0.8% | 18 of 43 |
| Palm Beach County, FL | $289M | 0.4% | 27 of 56 |
| Hillsborough County, FL | $133M | 0.3% | 27 of 51 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (24 branches then and now). 17 opened, 0 acquired, 17 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 24 | |||
| 2016 | Opened Houston and Sugar LandClosed 3 in 2 states | 2 | 3 | −1 | 23 |
| 2017 | Opened Pembroke PinesClosed Miami | 1 | 1 | 0 | 23 |
| 2018 | Opened Coral Springs and KatyClosed Parkland | 2 | 1 | +1 | 24 |
| 2019 | Opened 3 in Florida | 3 | 0 | +3 | 27 |
| 2020 | Opened Delray BeachClosed Fort Lauderdale and Shenandoah | 1 | 2 | −1 | 26 |
| 2021 | Closed Wellington | 0 | 1 | −1 | 25 |
| 2022 | Closed Pembroke Pines | 0 | 1 | −1 | 24 |
| 2023 | Opened Key BiscayneClosed Houston and Miami | 1 | 2 | −1 | 23 |
| 2024 | Opened 3 in Florida | 3 | 0 | +3 | 26 |
| 2025 | Sold 6 branches to MidFirst BankOpened 3 in Florida | 3 | 6 | −3 | 23 |
| 2026 through Q2 | Opened Bay Harbor Islands | 1 | 0 | +1 | 24 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 34% | 25% | |
| 1-4 family residential | 28% | 21% | |
| Business (C&I) | 22% | 17% | |
| Construction and land | 8% | 6% | |
| Multifamily | 4% | 8% | |
| Consumer | 3% | 10% | |
| Other | 1% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 57% | 62% | |
| Time deposits | 23% | 18% | |
| Noninterest-bearing | 20% | 20% |
Brokered deposits are 6.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.46% | 0.63% |
| Net charge-offs, annualized | 0.26% | 0.14% |
| Reserves to loans | 1.25% | 1.14% |
| Leverage ratio | 9.88% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Miami-dade County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/amerant