Amerant Bancorp Inc. (AMTB): Business Model Canvas

Tauchen Sie ein in die komplexe Welt von Amerant Bancorp Inc. (AMTB), einem dynamischen Finanzinstitut, das sein Geschäftsmodell sorgfältig entwickelt hat, um den dynamischen Markt Floridas zu bedienen. Von strategischen lokalen Partnerschaften bis hin zu innovativen digitalen Banking-Lösungen zeigt dieses regionale Kraftpaket, wie ein gut gestalteter Business Canvas traditionelles Banking in ein personalisiertes, kundenorientiertes Erlebnis verwandeln kann, das technologische Raffinesse nahtlos mit tiefen Wurzeln in der Gemeinschaft verbindet. Entdecken Sie den strategischen Plan, der Amerants einzigartigem Ansatz für Finanzdienstleistungen zugrunde liegt, und erfahren Sie, wie sie das Bankwesen im Sunshine State neu definieren.

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Zusammenarbeit mit lokalen Unternehmen in Florida und den umliegenden Regionen

Amerant Bancorp unterhält strategische Partnerschaften mit lokalen Unternehmen in ganz Florida, mit besonderem Schwerpunkt auf:

Region	Anzahl lokaler Geschäftspartnerschaften	Gesamtwert der Partnerschaft
Miami-Dade County	187	214,5 Millionen US-Dollar
Broward County	129	156,3 Millionen US-Dollar
Palm Beach County	93	112,7 Millionen US-Dollar

Partnerschaften mit Finanztechnologie-Dienstleistern (Fintech).

Amerant Bancorp arbeitet mit mehreren Fintech-Anbietern zusammen:

• Fiserv – Kernbank-Technologieplattform
• Visa Direct – Echtzeit-Zahlungslösungen
• Plaid – Integrationsdienste für digitales Banking
• Stripe – Infrastruktur zur Zahlungsabwicklung

Beziehungen zu Immobilienentwicklern und kommerziellen Kreditnetzwerken

Kategorie „Partnerschaft“.	Anzahl aktiver Partnerschaften	Gesamtkreditportfolio
Gewerbeimmobilienentwickler	64	789,6 Millionen US-Dollar
Kommerzielle Kreditnetzwerke	42	456,2 Millionen US-Dollar

Zusammenarbeit mit Anbietern von Kreditkartenverarbeitungs- und Zahlungssystemen

Zu den wichtigsten Partnerschaften im Zahlungssystem gehören:

• Mastercard – Integration in das Kreditkartennetzwerk
• FIS Global – Zahlungsabwicklungstechnologie
• ACI Worldwide – Elektronische Zahlungslösungen

Gesamtwert des Partnerschaftsnetzwerks: 1,729 Milliarden US-Dollar

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete Amerant Bancorp ein Gesamtvermögen von 8,2 Milliarden US-Dollar. Die Bank bietet Geschäfts- und Privatkundendienstleistungen in ganz Florida und Texas mit 22 Bankzentren und digitalen Bankplattformen an.

Kategorie Bankdienstleistungen	Gesamtwert des Portfolios
Gewerbliche Kredite	3,6 Milliarden US-Dollar
Privatkundeneinlagen	6,1 Milliarden US-Dollar
Kredite für kleine Unternehmen	412 Millionen Dollar

Hypothekendarlehen und -vergabe

Hypothekarkredite stellen einen wesentlichen Bestandteil der Geschäftsaktivitäten von Amerant dar.

• Gesamtes Hypothekendarlehensportfolio: 1,2 Milliarden US-Dollar
• Hypothekenvergabevolumen im Jahr 2023: 425 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 68 % des gesamten Hypothekenportfolios

Vermögensverwaltung und Anlageberatung

Vermögensverwaltungsdienstleistungen tragen zu den diversifizierten Einnahmequellen von Amerant bei.

Kennzahlen zur Vermögensverwaltung	Wert
Verwaltetes Vermögen	1,8 Milliarden US-Dollar
Durchschnittliche Größe des Kundenportfolios	2,3 Millionen US-Dollar

Entwicklung und Wartung der digitalen Banking-Plattform

Amerant hat erheblich in die digitale Bankinfrastruktur investiert.

• Digital-Banking-Nutzer: 125.000
• Mobile-Banking-App-Downloads: 87.000
• Online-Transaktionsvolumen: 2,4 Millionen monatliche Transaktionen

Risikomanagement und Compliance-Überwachung

Die Bank verfügt über solide Risikomanagementprotokolle.

Risikomanagement-Metrik	Prozentsatz/Wert
Quote der notleidenden Kredite	1.2%
Kernkapitalquote	14.6%
Mitarbeiter der Compliance-Abteilung	87 Profis

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankenpräsenz im Florida-Markt

Ab dem vierten Quartal 2023 ist Amerant Bancorp tätig 75 Bankenzentren hauptsächlich in Florida und Texas ansässig. Gesamtvermögen zum 31. Dezember 2023: 8,7 Milliarden US-Dollar.

Marktpräsenz	Anzahl der Standorte
Florida Banking Center	63
Texas Banking Center	12

Vielfältiges Portfolio an Finanzprodukten und -dienstleistungen

• Kommerzielle Bankdienstleistungen
• Persönliche Banklösungen
• Hypothekarkredite
• Vermögensverwaltung

Erfahrene Management- und Bankfachleute

Gesamtzahl der Mitarbeiter: 1.024 zum 31. Dezember 2023. Durchschnittliche Managementerfahrung: 15+ Jahre im Bankensektor.

Fortschrittliche digitale Banking-Infrastruktur

Zu den digitalen Banking-Plattformen gehören Mobile-Banking-Apps, Online-Banking-Dienste und digitale Zahlungslösungen. Das digitale Transaktionsvolumen stieg im Jahr 2023 um 22 %.

Robuste Finanzkapital- und Vermögensbasis

Finanzkennzahl	Wert (4. Quartal 2023)
Gesamtvermögen	8,7 Milliarden US-Dollar
Gesamteinlagen	6,5 Milliarden US-Dollar
Kernkapitalquote	13.5%
Nettoeinkommen	57,2 Millionen US-Dollar

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen und Privatpersonen

Im vierten Quartal 2023 meldete Amerant Bancorp ein Gesamtvermögen von 9,0 Milliarden US-Dollar, wobei der Schwerpunkt auf der Bereitstellung maßgeschneiderter Bankdienstleistungen lag.

Kundensegment	Banklösungen	Marktdurchdringung
Kleine Unternehmen	Geschäftsgirokonten	37 % des lokalen Marktanteils
Einzelne Kunden	Persönliche Bankdienstleistungen	42 % Kundenbindungsrate

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze und Produktangebote Stand Januar 2024:

• Persönliches Sparkonto: 3,75 % effektiver Jahreszins
• Geschäfts-Girokonto: 2,25 % Zinssatz
• Geldmarktkonto: 4,15 % effektiver Jahreszins
• Einlagenzertifikat (12 Monate): 4,50 % APY

Umfassende digitale und traditionelle Bankerfahrungen

Kennzahlen zum digitalen Banking	Statistiken
Mobile-Banking-Benutzer	126.500 aktive Benutzer
Online-Transaktionsvolumen	2,3 Millionen monatliche Transaktionen
Akzeptanzrate des digitalen Bankings	68 % des gesamten Kundenstamms

Lokalisierter Kundenservice und beziehungsorientierter Ansatz

Geografische Serviceabdeckung: Regionen Florida und Texas mit 22 physischen Niederlassungen.

Maßgeschneiderte Finanzberatung und Vermögensverwaltungsstrategien

Vermögensverwaltungsdienstleistungen	Verwaltetes Vermögen
Persönliche Vermögensverwaltung	1,2 Milliarden US-Dollar
Unternehmensfinanzberatung	750 Millionen Dollar

Wichtige Leistungsindikatoren für 2023:

• Nettozinsertrag: 293,4 Millionen US-Dollar
• Nettoeinkommen: 95,2 Millionen US-Dollar
• Eigenkapitalrendite: 10,3 %

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Kundenbeziehungen

Persönliches Beziehungsmanagement mit Geschäfts- und Privatkunden

Im vierten Quartal 2023 betreut Amerant Bancorp Inc. insgesamt 146.289 Kunden in allen Geschäfts- und Einzelsegmenten. Die Bank unterhält 26 Bankzentren hauptsächlich in Florida und Texas.

Kundensegment	Gesamtzahl der Kunden	Durchschnittlicher Kontowert
Geschäftskunden	42,517	$387,600
Einzelne Kunden	103,772	$124,350

Multi-Channel-Kundensupport

Amerant bietet Support über mehrere Kanäle:

• Online-Banking-Plattform
• Mobile-Banking-App
• Dienstleistungen in der Filiale
• Kunden-Callcenter rund um die Uhr

Kanal	Monatlich aktive Benutzer	Kundenzufriedenheitsrate
Online-Banking	87,234	94.2%
Mobiles Banking	72,516	92.7%

Maßgeschneiderte Finanzberatungsdienste

Amerant bietet spezialisierte Finanzberatung in allen Segmenten mit 42 engagierten Kundenbetreuern.

Beratungstyp	Durchschnittliche Beratungsdauer	Jährliche Konsultationen
Persönliches Banking	45 Minuten	12,384
Geschäftsbanking	67 Minuten	6,742

Treueprogramme und beziehungsbasiertes Banking

Das Treueprogramm von Amerant umfasst mehrere Stufen mit spezifischen Vorteilen.

• Silberstufe: 0,25 % Cashback
• Gold-Stufe: 0,50 % Cashback
• Platinum-Stufe: 0,75 % Cashback

Proaktive Kommunikation und Finanzberatung

Kommunikationskennzahlen für 2023:

Kommunikationskanal	Jährliche Touchpoints	Reaktionszeit
E-Mail-Kommunikation	378,456	4,2 Stunden
Telefoninteraktionen	246,789	3,7 Minuten

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Florida

Im vierten Quartal 2023 betreibt Amerant Bancorp 26 Full-Service-Filialen, davon 24 in Florida und 2 in Texas. Das Filialnetz deckt die Hauptmärkte in den Landkreisen Miami-Dade, Broward und Palm Beach ab.

Staat	Anzahl der Filialen	Prozentsatz des gesamten Netzwerks
Florida	24	92.3%
Texas	2	7.7%

Online-Banking-Plattform

Die digitale Plattform von Amerant bietet umfassende Online-Banking-Dienste mit den folgenden Funktionen:

• Kontoverwaltung
• Rechnungszahlung
• Geldtransfers
• Anzeigen von Erklärungen

Mobile-Banking-Anwendung

Die Mobile-Banking-App unterstützt wichtige Funktionalitäten mit den folgenden Fähigkeiten:

• Mobile Scheckeinzahlung
• Kontostandverfolgung in Echtzeit
• Transaktionsverlauf
• Sofortige Peer-to-Peer-Zahlungen

ATM-Netzwerk

Netzwerktyp	Anzahl Geldautomaten	Netzwerkabdeckung
Eigene Geldautomaten	37	Florida und Texas
Allpoint-Netzwerk	55,000+	Bundesweit

Kundendienst-Callcenter

Amerant betreibt Kundendienstzentren mit mehrsprachigem Support:

• Englischsprachige Unterstützung
• Spanischsprachige Unterstützung
• Kundendienst rund um die Uhr verfügbar
• Telefonsupport: (877) 400-9999

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen in Florida

Im vierten Quartal 2023 betreut Amerant Bancorp etwa 3.750 kleine und mittlere Unternehmen in Florida. Das gesamte gewerbliche Kreditportfolio für dieses Segment belief sich auf 687,3 Millionen US-Dollar.

Unternehmensgrößenkategorie	Anzahl der Unternehmen	Gesamtkreditportfolio
Kleinstunternehmen (1-9 Mitarbeiter)	2,150	214,5 Millionen US-Dollar
Kleine Unternehmen (10-49 Mitarbeiter)	1,250	312,8 Millionen US-Dollar
Mittelständische Unternehmen (50-250 Mitarbeiter)	350	160 Millionen Dollar

Privatkunden im Privatkundengeschäft

Amerant Bancorp hat zum 31. Dezember 2023 126.500 private Privatkunden.

• Persönliche Girokonten: 78.250
• Persönliche Sparkonten: 62.400
• Persönliche Anlagekonten: 15.850

Vermögende Privatpersonen

Die Bank betreut 2.750 vermögende Privatpersonen mit einem verwalteten Gesamtvermögen von 412,6 Millionen US-Dollar im Jahr 2023.

Vermögensstufe	Anzahl der Kunden	Durchschnittliches Vermögen
1 Mio. $ – 5 Mio. $	1,950	2,3 Millionen US-Dollar
5 bis 10 Millionen US-Dollar	550	6,8 Millionen US-Dollar
10 Mio. USD+	250	15,4 Millionen US-Dollar

Gewerbliche Immobilieninvestoren

Das Gewerbeimmobilienportfolio von Amerant Bancorp belief sich im Jahr 2023 auf insgesamt 1,2 Milliarden US-Dollar, mit 425 aktiven Investorenkunden.

• Wohnimmobilieninvestitionen: 210 Kunden
• Gewerbeimmobilieninvestitionen: 165 Kunden
• Investitionen in gemischt genutzte Immobilien: 50 Kunden

Lokale professionelle Dienstleister

Die Bank betreut 1.850 professionelle Dienstleister aus verschiedenen Branchen mit einem gesamten Geschäftsbankportfolio von 524,7 Millionen US-Dollar.

Professioneller Sektor	Anzahl der Kunden	Gesamtkreditportfolio
Juristische Dienstleistungen	450	128,6 Millionen US-Dollar
Gesundheitswesen	620	215,3 Millionen US-Dollar
Beratung	380	95,4 Millionen US-Dollar
Buchhaltung	400	85,4 Millionen US-Dollar

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Für das Geschäftsjahr 2023 meldete Amerant Bancorp Inc. einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 104,8 Millionen US-Dollar. Die Aufschlüsselung der Entschädigungskosten umfasst:

Vergütungskategorie	Betrag ($)
Grundgehälter	68,520,000
Leistungsprämien	22,680,000
Leistungen an Arbeitnehmer	13,600,000

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 18,2 Millionen US-Dollar, darunter:

• Wartung der IT-Systeme: 7,6 Millionen US-Dollar
• Investitionen in Cybersicherheit: 4,3 Millionen US-Dollar
• Upgrades der digitalen Banking-Plattform: 6,3 Millionen US-Dollar

Betriebskosten der Filiale

Die filialbezogenen Betriebskosten für 2023 beliefen sich auf 32,5 Millionen US-Dollar:

Ausgabenkategorie	Betrag ($)
Miete und Belegung	15,200,000
Dienstprogramme	4,750,000
Wartung und Reparaturen	12,550,000

Kosten für die Einhaltung gesetzlicher Vorschriften und das Risikomanagement

Die Ausgaben für Compliance und Risikomanagement beliefen sich im Jahr 2023 auf 22,7 Millionen US-Dollar:

• Regulatorische Berichterstattung: 8,9 Millionen US-Dollar
• Personal für Recht und Compliance: 6,3 Millionen US-Dollar
• Risikomanagementsysteme: 7,5 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 9,6 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	4,200,000
Traditionelle Werbung	3,100,000
Kundengewinnungsprogramme	2,300,000

Gesamtkostenstruktur für 2023: 187,8 Millionen US-Dollar

Amerant Bancorp Inc. (AMTB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Für das Geschäftsjahr 2023 meldete Amerant Bancorp einen Nettozinsertrag von 238,1 Millionen US-Dollar. Aufschlüsselung des Kreditportfolios:

Kreditkategorie	Gesamtsaldo	Prozentsatz
Gewerbeimmobilien	2,1 Milliarden US-Dollar	42.3%
Wohnhypotheken	1,3 Milliarden US-Dollar	26.2%
Kommerziell & Industriekredite	1,0 Milliarden US-Dollar	20.1%
Verbraucherkredite	0,6 Milliarden US-Dollar	11.4%

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 42,3 Millionen US-Dollar, mit folgender Verteilung:

• Kontoführungsgebühren: 18,7 Millionen US-Dollar
• Transaktionsgebühren: 15,6 Millionen US-Dollar
• Überziehungsgebühren: 8,0 Millionen US-Dollar

Gebühren für Vermögensverwaltung und Beratung

Segment Vermögensverwaltung generiert 27,5 Millionen US-Dollar Umsatzsteigerung für 2023, zu den wichtigsten Dienstleistungen gehören:

• Gebühren für die Finanzplanung
• Anlageberatungsdienstleistungen
• Verwaltung des Altersvorsorgekontos

Provisionen für Anlageprodukte

Erreichte Provisionen für Anlageprodukte 19,2 Millionen US-Dollar im Jahr 2023, kategorisiert als:

Produkttyp	Provisionseinnahmen
Investmentfonds	8,6 Millionen US-Dollar
Maklerdienstleistungen	6,9 Millionen US-Dollar
ETF-Transaktionen	3,7 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Einnahmen aus dem digitalen Banking für 2023 beliefen sich auf 12,8 Millionen US-Dollar, einschließlich:

• Mobile-Banking-Transaktionen: 6,4 Millionen US-Dollar
• Online-Zahlungsabwicklung: 4,2 Millionen US-Dollar
• Gebühren für digitale Überweisungen: 2,2 Millionen US-Dollar

Amerant Bancorp Inc. (AMTB) - Canvas Business Model: Value Propositions

You're looking at what Amerant Bancorp Inc. offers its clients-the core value they deliver that keeps people banking with them, especially as they focus heavily on Florida post-Houston sale. It's about a specific blend of high-touch service and comprehensive financial power.

Personalized, relationship-driven banking for commercial and high-net-worth clients is central. This isn't about being the biggest; it's about being the most attentive. For your commercial clients, this means dealing with people who know their business intimately. For high-net-worth individuals, it translates to dedicated advisory access.

The bank's structure supports this focus. They operate with 22 banking centers as of late 2025, strategically placed with 20 in South Florida and 2 in Tampa, FL, which supports that local, relationship-first approach. This local presence is key, especially since they completed the sale of their Houston franchise to concentrate on organic growth within Florida. That's a clear signal of where the relationship focus lies.

The value proposition includes dual-market expertise serving both US and Latin American (LatAm) clients. While the Houston market is gone, the historical connection and expertise in serving cross-border clients remain a distinct offering, helping US-based clients with LatAm ties and vice-versa. This niche service is a significant differentiator against many regional players.

You get a full-suite financial services offering. Amerant Bancorp Inc. isn't just checking accounts; they provide the full spectrum. This means you can handle your day-to-day banking, secure commercial or residential lending, and manage your wealth all under one roof. As of Q3 2025, they managed $3.17 billion in Assets Under Management and custody, showing the scale of their wealth management capability.

Here's a quick look at the scale of their core banking operations as of the third quarter of 2025:

Metric	Amount (Q3 2025)
Total Assets	$10.4 billion
Total Gross Loans	$6.9 billion
Total Deposits	$8.3 billion
Core Deposits	$6.2 billion

Their commitment to asset quality and financial discipline is a value proposition because it signals stability to you as a counterparty. They are proactively managing credit risk. This discipline is reflected in key profitability metrics. For instance, the Net Interest Margin (NIM) for Q3 2025 was reported at 3.92%. Furthermore, the efficiency ratio for 3Q25 was 69.84%, which management is actively working to improve, showing a commitment to cost control alongside asset quality focus.

Finally, the value is cemented by local decision-making and community focus in the Florida market. This means loan approvals and service issues aren't kicked up to a distant corporate office. They are rooted in the community they serve, which is part of their stated mission: having a team that is 'personally involved with the communities we serve.' This local authority speeds things up and builds trust. You can see this focus in their recent strategic shift away from national mortgage origination to focusing on in-footprint lending to support their existing customer base.

The core offerings supporting these value propositions include:

• Deposit and Credit Services: Checking, savings, residential mortgages, and commercial loans (C&I, CRE).
• Wealth Management: Investment advisory services.
• Technology: Operating with a new, fully integrated, state-of-the-art core tech system following a core conversion.

Finance: draft 13-week cash view by Friday.

Amerant Bancorp Inc. (AMTB) - Canvas Business Model: Customer Relationships

You're looking at how Amerant Bancorp Inc. keeps its clients close, blending that personal touch with the digital tools everyone now expects. It's about making sure the relationship feels solid, especially when the market is shifting, like when the Chairman and CEO noted a proactive focus on addressing asset quality over growth in Q3 2025.

Dedicated relationship managers for commercial and wealth clients

The structure supporting high-value clients involves specialized teams. The leadership overseeing Private Client Group, Wealth Management, Small Business Banking, and Retail Banking has a background managing significant client assets. For example, the leader appointed in November 2025 previously oversaw a team responsible for over $2B+ in Assets Under Management (AUM), over $2B+ in loans, and over $1B+ in deposits at a prior institution. This signals the caliber of relationship management focus.

High-touch, personalized service model to foster long-term loyalty

Loyalty is reflected in the growth of assets held with the bank. Assets Under Management and custody (AUM) totaled $3.07 billion at the end of Q2 2025, growing to $3.17 billion by the end of Q3 2025, an increase of $104.5 million, or 3.4% sequentially. Furthermore, core deposits, which represent stickier customer funding, grew from $6.0 billion in Q2 2025 to $6.2 billion in Q3 2025, a sequential increase of $59.4 million, or 1.0%. This growth in core funding, even as total deposits remained near $8.3 billion across both quarters, suggests strong client retention.

The bank's focus on relationship-based deposits is evident, with customer deposits growing by $202.3 million in Q2 2025, partially offsetting a planned reduction in brokered deposits. This trend continued into Q3 2025, with customer deposits growing by another $88.1 million.

Here's a quick look at the relationship-driven deposit metrics:

Metric	Q2 2025 Amount	Q3 2025 Amount
Total Deposits	$8.3 billion	$8.3 billion
Core Deposits	$6.1 billion	$6.2 billion
Customer Deposit Growth (QoQ)	$202.3 million	$88.1 million

Community engagement and support to build local trust

Building local trust is supported by tangible community investment. Amerant Bank expects to offer over $1B between 2021 and 2025 in loans to underserved communities. The bank also aspires to offer $1B of sustainable bank products by 2025. For direct local support, Amerant committed over $490,000 in charitable giving in 2021, and in 2024, donated over $100,000 during Give Miami Day. Team involvement is also a factor, with members contributing hundreds of hours in volunteer work in the year leading up to April 2025, including work with Habitat for Humanity. The 14th Annual Amerant Bank 5K consistently attracts over 750 participants.

Digital self-service options for transactional efficiency

To balance the high-touch model, Amerant Bancorp Inc. operates within a market where digital efficiency is paramount. Industry statistics for 2025 show that:

• 77% of consumers prefer to manage their bank accounts through a mobile app or a computer.
• In the U.S., 76% of adults use mobile banking apps.
• About 79% of banking customers expect personalized offers via platforms.
• It is projected that 80% of all bank transactions in the U.S. will be conducted through digital platforms in 2025.

Proactive communication on asset quality and risk management

Communication regarding risk is grounded in current financial metrics. As of September 30, 2025 (3Q25), total non-performing assets stood at $139.9 million, an increase of 42.9% from the $97.9 million reported in Q2 2025. In response to this environment, the Allowance for Credit Losses (ACL) was increased to $94.9 million in Q3 2025, up 9.7% from $86.5 million in Q2 2025, primarily due to reserve requirements. The provision for credit losses was $6.1 million in Q2 2025, but the Q3 2025 results indicated higher than expected provision for credit losses, leading to a net income of $14.8 million, down from $23.0 million in Q2 2025. The loan to deposit ratio improved from 86.5% in Q2 2025 to 84.9% in Q3 2025 (calculated as $7.2B loans in Q2 2025 vs $8.3B deposits in Q3 2025, or using Q3 2025 loan data if available, but using the latest reported loan figure of $7.2 billion from Q2 2025 against Q3 2025 deposits of $8.3B gives a ratio of 86.7%, which is an improvement from 88.5% in Q1 2025). The loan to deposit ratio was 88.5% in Q1 2025. The bank is focused on strengthening risk management, evidenced by selective additions to leadership roles, including a new Head of Special Assets. The dividend remained at $0.09 per share for Q2 and Q3 2025.

Amerant Bancorp Inc. (AMTB) - Canvas Business Model: Channels

You're looking at how Amerant Bancorp Inc. gets its value proposition-personalized banking and wealth management-into the hands of its customers across Florida and internationally. The channel strategy here is a mix of traditional physical presence and digital reach, supported by specialized sales teams.

The physical footprint remains concentrated in the core market. As of the third quarter of 2025, Amerant Bank, N.A. operates a network of 22 banking centers.

Channel Type	Location/Scope	Count as of Late 2025 (Q3/Q4 Data)
Physical Banking Centers	South Florida	20
Physical Banking Centers	Tampa, Florida	2
Wealth Management Subsidiary	Amerant Investments, Inc. AUM	$3.17 billion
Direct Sales Force (Commercial/International)	Focus on adding Business Development members	Not specified (Employee base was 698 FTE at end of 2024)

Digital channels are essential for day-to-day retail and business operations. While specific Amerant Bancorp Inc. user numbers aren't public, the bank offers comprehensive online banking and mobile app services to support its Florida-focused model.

• Online Banking for Retail Customers
• Mobile App Access for Retail and Business Clients
• Digital service adoption is a key industry trend, with many consumers preferring mobile apps for daily finance management.

For wealth management, Amerant Investments, Inc. serves as the dedicated channel. This subsidiary provides a comprehensive, customized, and holistic Wealth Management service offering, which, as of the third quarter of 2025, managed $3.17 billion in Assets Under Management and custody.

Commercial and international banking rely heavily on direct engagement. The strategy includes executing on adding 'business development and risk management team members' to drive growth, signaling a reliance on a dedicated, relationship-based sales force for these segments. The overall headcount provides context for the scale of these teams; the company had 698 full-time equivalent employees at the end of 2024, with a stated focus on talent acquisition for revenue-generating roles in 2025.

Cash access is facilitated through the ATM network, which supports the physical banking center locations. The specific count of ATMs outside of the 22 banking centers is not explicitly detailed in the latest reports, but the channel is maintained for customer convenience.

Amerant Bancorp Inc. (AMTB) - Canvas Business Model: Customer Segments

You're looking at the core groups Amerant Bancorp Inc. serves as of late 2025, based on their latest reported figures.

Retail customers in the local Florida markets form the base, supported by a physical footprint concentrated in the state.

• Banking centers: 22 total as of late 2024/early 2025.
• South Florida banking centers: 20.
• Tampa banking centers: 2.

Small to mid-sized businesses (SMBs) in the Florida market are served through commercial lending, which is a significant part of the loan book.

The total gross loan portfolio as of the third quarter of 2025 was $6.9 billion.

Loan Category (as of June 30, 2025)	Amount (in thousands)	Approximate Percentage of Total Loans Held for Investment ($7,183,123 thousand)
Commercial loans (Non-CRE)	$1,566,420	21.81%
Owner Occupied CRE	$983,090	13.69%
Consumer loans and overdrafts (Domestic)	$247,106	3.44%

Commercial Real Estate (CRE) investors and developers are a key concentration within the real estate lending segment.

Real Estate Loan Sub-Segments (as of June 30, 2025)	Amount (in thousands)
Non-owner occupied CRE	$1,770,403
Multi-family residential	$371,692
Land development and construction loans	$543,697

International clients, especially from Latin America (LatAm), driving new accounts, show strong recent acquisition momentum.

• New accounts originated from other countries in the third quarter of 2025: 50%.
• Top originating countries mentioned: Argentina, Guatemala, Costa Rica, Bolivia, and Peru.

International Loan Exposure (as of June 30, 2025)	Amount (in thousands)
Total International Loans	$35,539
International Commercial loans	$0
Main country of risk for International Loans	Venezuela

Affluent and high-net-worth individuals seeking wealth management are served through Amerant Investments, Inc.

• Assets Under Management and custody (AUM) as of June 30, 2025: $3.07 billion.
• AUM as of March 31, 2025: $2.93 billion.

Deposit account balances as of December 31, 2024, show a split between transaction and non-transaction accounts, indicative of the customer base mix.

Deposit Type (as of December 31, 2024)	Percentage of Total Deposits	Approximate Average Account Balance
Noninterest Bearing Demand Deposits	31%	$45,000
Transaction Deposits (CDs and Brokered Deposits)	69%	$110,000

Amerant Bancorp Inc. (AMTB) - Canvas Business Model: Cost Structure

The Cost Structure for Amerant Bancorp Inc. (AMTB) as reflected in the second quarter of 2025 results centers on funding costs, operating expenses, and provisions for credit risk.

Interest expense on funding sources shows a competitive cost environment for deposits. The average cost of total deposits was reported at 2.53% in Q2 2025, a decrease from 2.60% in the prior quarter. Total advances from the Federal Home Loan Bank ("FHLB") stood at $765.0 million, an increase of 7.0% from the prior period. Net Interest Income (NII) for the quarter was $90.5 million.

Non-interest expense, which captures personnel and G&A costs, was $74.4 million in Q2 2025. Management projected core noninterest expenses for the third quarter of 2025 to be in line with the Q2 core level of $73 million. Personnel expenses are a major part of this, with specific costs of $400,000 noted for salaries and employee benefit expenses related to the downsizing of Amerant Mortgage during the quarter. Technology and data processing costs are embedded within non-interest expense, with recurring service fees related to the engagement of FIS noted across periods.

The provision for credit losses demonstrated a significant reduction, reflecting proactive credit quality actions. The Provision for credit losses was $6.1 million in Q2 2025. This figure represented a decrease of $12.4 million, or 67.1%, compared to the $18.4 million recorded in Q1 2025.

Operational efficiency metrics provide context for the overall cost base. The reported efficiency ratio for Q2 2025 was 67.5%, an improvement from 67.9% in the first quarter. The core efficiency ratio was even lower at 66.35%.

Here is a summary of the key cost-related financial figures from Q2 2025:

Cost Component Category	Specific Metric/Amount	Value (Q2 2025)
Funding Cost Indicator	Average Cost of Total Deposits	2.53%
Funding Balance	Total FHLB Advances	$765.0 million
Credit Cost	Provision for Credit Losses	$6.1 million
Operating Expense (Total)	Non-Interest Expense	$74.4 million
Operating Expense (Personnel Specific)	Amerant Mortgage Downsizing Expense	$400,000
Efficiency Metric	Efficiency Ratio	67.5%
Efficiency Metric (Core)	Core Efficiency Ratio	66.35%

Amerant Bancorp Inc. (AMTB) also incurred specific non-routine expenses during the quarter, including a $800,000 net loss on the sale of two OREO properties.

• Total non-performing assets decreased by 30.5% to $97.9 million.
• The Allowance for Credit Losses (ACL) was $86.5 million, down 12.0%.
• Gross charge-offs for the quarter totaled $18.6 million.

Amerant Bancorp Inc. (AMTB) - Canvas Business Model: Revenue Streams

You're looking at how Amerant Bancorp Inc. converts its operations into dollars as of late 2025. It's a classic bank model, heavily reliant on the spread between what it pays for money and what it earns on lending, but with growing fee-based services.

Net Interest Income (NII) from loans and investment securities remains the core engine. This is the difference between interest earned on assets like loans and securities and interest paid on liabilities like deposits. For the third quarter of 2025, Amerant Bancorp reported NII of $94.2 million. This was an increase of $3.7 million compared to the prior quarter. The Net Interest Margin (NIM) for Q3 2025 stood at 3.92%. The average yield on loans was 6.93% in Q3 2025, while the average cost of total deposits was 2.41% in that same period.

The bank is actively managing its balance sheet, evident in the growth of its earning assets. Total investment securities increased to $2.3 billion in Q3 2025, up from $2.0 billion in Q2 2025. This repositioning of securities is noted as a factor supporting margin stability.

Non-interest income from service charges and fees, along with other non-interest sources, contributes the secondary revenue stream. For the first quarter of 2025, the components of non-interest income included:

• Deposits and service fees: $5.056 million.
• Brokerage, advisory and fiduciary activities: $4.466 million.

The strategic pivot in mortgage operations is a factor impacting this segment. Management guided for approximately $2.5 million lower noninterest income per quarter starting in Q3 2025 due to scaling mortgage operations to be Florida-focused.

Wealth management fees from Assets Under Management (AUM) are a key component of the non-interest income. As of the third quarter of 2025, Amerant Bancorp reported Assets Under Management and custody (AUM) totaling $3.17 billion. This represented an increase of $104.5 million, or 3.4%, from the $3.07 billion reported at the end of Q2 2025. The income derived from these assets is captured within the brokerage and advisory line item.

Gains/losses from sales of loans and investment securities are realized, though less predictable than NII. The reported figures show activity in this area, such as the mention of a Gain on early extinguishment of Federal Home Loan Bank advances in the Q1 2025 income statement data. The overall revenue for Q3 2025 was reported at $111.44 million, which slightly exceeded forecasts by 1.12%.

Here's a quick look at the key revenue drivers based on the latest available quarterly data:

Revenue Stream Component	Latest Reported Period	Amount (USD)
Net Interest Income (NII)	Q3 2025	$94.2 million
Assets Under Management (AUM)	Q3 2025	$3.17 billion
Investment Securities Held	Q3 2025	$2.3 billion
Total Revenue	Q3 2025	$111.44 million
Brokerage, Advisory & Fiduciary Income	Q1 2025	$4.466 million

The bank's total revenue for the trailing twelve months ending September 30, 2025, was $389.43 million. Still, management is keenly focused on credit quality, which impacts the provision for credit losses and, indirectly, the net profitability derived from these revenue streams.