Amerant Bancorp Inc. (AMTB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el intrincado mundo de Amerant Bancorp Inc. (AMTB), una institución financiera dinámica que ha creado meticulosamente su modelo de negocio para servir al vibrante mercado de Florida. Desde asociaciones locales estratégicas hasta innovadoras soluciones de banca digital, esta potencia regional demuestra cómo un lienzo comercial bien diseñado puede transformar la banca tradicional en una experiencia personalizada y centrada en el cliente que combina sin problemas la sofisticación tecnológica con profundas raíces comunitarias. Descubra el plan estratégico que impulsa el enfoque único de Amerant para los servicios financieros y descubre cómo están redefiniendo la banca en el estado de Sunshine.

Amerant Bancorp Inc. (AMTB) - Modelo de negocio: asociaciones clave

Colaboración estratégica con empresas locales en Florida y regiones circundantes

Amerant Bancorp mantiene asociaciones estratégicas con empresas locales en toda Florida, con un enfoque específico en:

Región	Número de asociaciones comerciales locales	Valor de asociación total
Condado de Miami-Dade	187	$ 214.5 millones
Condado de Broward	129	$ 156.3 millones
Condado de Palm Beach	93	$ 112.7 millones

Asociaciones con proveedores de servicios de tecnología financiera (fintech)

Amerant Bancorp colabora con múltiples proveedores de fintech:

• FISERV - Plataforma de tecnología bancaria central
• Visa directa: soluciones de pago en tiempo real
• Plaid - Servicios de integración bancaria digital
• Stripe - Infraestructura de procesamiento de pagos

Relaciones con desarrolladores inmobiliarios y redes de préstamos comerciales

Categoría de asociación	Número de asociaciones activas	Cartera de préstamos totales
Desarrolladores de bienes raíces comerciales	64	$ 789.6 millones
Redes de préstamos comerciales	42	$ 456.2 millones

Cooperación con proveedores de procesamiento de tarjetas de crédito y sistema de pago

Las asociaciones clave del sistema de pago incluyen:

• MasterCard - Integración de red de tarjetas de crédito
• FIS Global - Tecnología de procesamiento de pagos
• ACI Worldwide - Soluciones de pago electrónico

Valor de red de asociación total: $ 1.729 mil millones

Amerant Bancorp Inc. (AMTB) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Amerant Bancorp informó activos totales de $ 8.2 mil millones. El banco ofrece servicios bancarios comerciales y minoristas en Florida y Texas, con 22 centros bancarios y plataformas de banca digital.

Categoría de servicio bancario	Valor total de la cartera
Préstamos comerciales	$ 3.6 mil millones
Depósitos bancarios minoristas	$ 6.1 mil millones
Préstamos para pequeñas empresas	$ 412 millones

Préstamo y origen hipotecario

Los préstamos hipotecarios representan un componente significativo de las actividades comerciales de Amerant.

• Cartera total de préstamos hipotecarios: $ 1.2 mil millones
• Volumen de origen de la hipoteca en 2023: $ 425 millones
• Préstamos hipotecarios residenciales: 68% de la cartera de hipotecas totales

Aviso de gestión de patrimonio e inversiones

Los servicios de gestión de patrimonio contribuyen a las fuentes de ingresos diversificadas de Amerant.

Métricas de gestión de patrimonio	Valor
Activos bajo administración	$ 1.8 mil millones
Tamaño promedio de la cartera de clientes	$ 2.3 millones

Desarrollo y mantenimiento de la plataforma de banca digital

Amerant ha invertido significativamente en la infraestructura bancaria digital.

• Usuarios de banca digital: 125,000
• Descargas de aplicaciones de banca móvil: 87,000
• Volumen de transacciones en línea: 2.4 millones de transacciones mensuales

Gestión de riesgos y monitoreo de cumplimiento

El banco mantiene protocolos sólidos de gestión de riesgos.

Métrica de gestión de riesgos	Porcentaje/valor
Relación de préstamos sin rendimiento	1.2%
Relación de capital de nivel 1	14.6%
Personal del departamento de cumplimiento	87 profesionales

Amerant Bancorp Inc. (AMTB) - Modelo de negocio: recursos clave

Fuerte presencia bancaria regional en el mercado de Florida

A partir del cuarto trimestre de 2023, Amerant Bancorp opera 75 centros bancarios Principalmente ubicado en Florida y Texas. Activos totales al 31 de diciembre de 2023: $ 8.7 mil millones.

Presencia en el mercado	Número de ubicaciones
Centros bancarios de Florida	63
Centros bancarios de Texas	12

Cartera diversa de productos y servicios financieros

• Servicios de banca comercial
• Soluciones bancarias personales
• Préstamo hipotecario
• Gestión de patrimonio

Profesionales de gestión y banca experimentados

Total de empleados: 1.024 al 31 de diciembre de 2023. Experiencia de gestión promedio: más de 15 años en el sector bancario.

Infraestructura de banca digital avanzada

Las plataformas de banca digital incluyen una aplicación de banca móvil, servicios de banca en línea y soluciones de pago digital. El volumen de transacción digital aumentó un 22% en 2023.

Capital financiero robusto y base de activos

Métrica financiera	Valor (cuarto trimestre 2023)
Activos totales	$ 8.7 mil millones
Depósitos totales	$ 6.5 mil millones
Relación de capital de nivel 1	13.5%
Lngresos netos	$ 57.2 millones

Amerant Bancorp Inc. (AMTB) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos locales

A partir del cuarto trimestre de 2023, Amerant Bancorp informó activos totales de $ 9.0 mil millones, con un enfoque en proporcionar servicios bancarios personalizados.

Segmento de clientes	Soluciones bancarias	Penetración del mercado
Pequeñas empresas	Cuentas corrientes de negocios	37% de la cuota de mercado local
Clientes individuales	Servicios bancarios personales	42% Tasa de retención del cliente

Tasas de interés competitivas y productos financieros

Tasas de interés y ofertas de productos a partir de enero de 2024:

• Cuenta de ahorro personal: 3.75% APY
• Cuenta corriente de negocios: 2.25% de tasa de interés
• Cuenta del mercado monetario: 4.15% APY
• Certificado de depósito (12 meses): 4.50% APY

Experiencias bancarias digitales y tradicionales integrales

Métricas bancarias digitales	Estadística
Usuarios de banca móvil	126,500 usuarios activos
Volumen de transacciones en línea	2.3 millones de transacciones mensuales
Tasa de adopción de banca digital	68% de la base total de clientes

Servicio al cliente localizado y enfoque centrado en las relaciones

Cobertura de servicio geográfico: regiones de Florida y Texas con 22 ubicaciones de ramas físicas.

Asuntos financieros personalizados y estrategias de gestión de patrimonio

Servicios de gestión de patrimonio	Activos bajo administración
Gestión de patrimonio personal	$ 1.2 mil millones
Aviso financiero comercial	$ 750 millones

Indicadores de rendimiento clave para 2023:

• Ingresos de intereses netos: $ 293.4 millones
• Ingresos netos: $ 95.2 millones
• Retorno sobre el patrimonio: 10.3%

Amerant Bancorp Inc. (AMTB) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personales con clientes y clientes individuales

A partir del cuarto trimestre de 2023, Amerant Bancorp Inc. atiende a 146,289 clientes totales en todos los segmentos comerciales e individuales. El banco mantiene 26 centros bancarios principalmente en Florida y Texas.

Segmento de clientes	Total de clientes	Valor de cuenta promedio
Clientes comerciales	42,517	$387,600
Clientes individuales	103,772	$124,350

Atención al cliente multicanal

Amerant proporciona soporte a través de múltiples canales:

• Plataforma bancaria en línea
• Aplicación de banca móvil
• Servicios en la rama
• Centro de llamadas de cliente 24/7

Canal	Usuarios activos mensuales	Tasa de satisfacción del cliente
Banca en línea	87,234	94.2%
Banca móvil	72,516	92.7%

Servicios de consulta financiera personalizada

Amerant ofrece consultas financieras especializadas en segmentos con 42 gerentes de relaciones dedicados.

Tipo de consulta	Duración de consulta promedio	Consultas anuales
Banca personal	45 minutos	12,384
Banca de negocios	67 minutos	6,742

Programas de fidelización y banca basada en relaciones

El programa de fidelización de Amerant cubre múltiples niveles con beneficios específicos.

• Nivel de plata: 0.25% de reembolso
• Nivel de oro: 0.50% de reembolso
• Nivel de platino: 0.75% de reembolso

Comunicación proactiva y orientación financiera

Métricas de comunicación para 2023:

Canal de comunicación	Puntos de contacto anuales	Tiempo de respuesta
Comunicaciones por correo electrónico	378,456	4.2 horas
Interacciones telefónicas	246,789	3.7 minutos

Amerant Bancorp Inc. (AMTB) - Modelo de negocio: canales

Red de sucursales físicas en Florida

A partir del cuarto trimestre de 2023, Amerant Bancorp opera 26 ramas de servicio completo, con 24 ubicadas en Florida y 2 en Texas. La red de sucursales cubre los mercados primarios en los condados de Miami-Dade, Broward y Palm Beach.

Estado	Número de ramas	Porcentaje de red total
Florida	24	92.3%
Texas	2	7.7%

Plataforma bancaria en línea

La plataforma digital de Amerant proporciona servicios integrales de banca en línea con las siguientes características:

• Gestión de cuentas
• Pago de facturas
• Transferencias de fondos
• Visualización de declaraciones

Aplicación de banca móvil

La aplicación de banca móvil admite funcionalidades clave con las siguientes capacidades:

• Depósito de cheque móvil
• Seguimiento de saldo de cuenta en tiempo real
• Historial de transacciones
• Pagos de pares instantáneos

Red de cajeros automáticos

Tipo de red	Número de cajeros automáticos	Cobertura de red
Cajeros automáticos	37	Florida y Texas
Red de Allanding	55,000+	A escala nacional

Centros de llamadas de servicio al cliente

Amerant opera centros de servicio al cliente con soporte multilingüe:

• Soporte en inglés
• Apoyo en español
• Disponibilidad de servicio al cliente 24/7
• Soporte telefónico: (877) 400-9999

Amerant Bancorp Inc. (AMTB) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en Florida

A partir del cuarto trimestre de 2023, Amerant Bancorp sirve aproximadamente 3.750 empresas pequeñas a medianas en Florida. La cartera total de préstamos comerciales para este segmento fue de $ 687.3 millones.

Categoría de tamaño del negocio	Número de negocios	Cartera de préstamos totales
Micro empresas (1-9 empleados)	2,150	$ 214.5 millones
Pequeñas empresas (10-49 empleados)	1,250	$ 312.8 millones
Empresas medianas (50-250 empleados)	350	$ 160 millones

Clientes de banca minorista individual

Amerant Bancorp tiene 126,500 clientes de banca minorista individual al 31 de diciembre de 2023.

• Cuentas corrientes personales: 78,250
• Cuentas de ahorro personal: 62,400
• Cuentas de inversión personal: 15,850

Individuos de alto nivel de red

El banco atiende a 2,750 individuos de alto patrimonio con activos totales bajo una administración de $ 412.6 millones en 2023.

Nivel de riqueza	Número de clientes	Activos promedio
$ 1M - $ 5M	1,950	$ 2.3 millones
$ 5M - $ 10M	550	$ 6.8 millones
$ 10M+	250	$ 15.4 millones

Inversores inmobiliarios comerciales

La cartera de bienes raíces comerciales de Amerant Bancorp totalizó $ 1.2 mil millones en 2023, con 425 clientes de inversores activos.

• Inversiones inmobiliarias residenciales: 210 clientes
• Inversiones de propiedades comerciales: 165 clientes
• Inversiones inmobiliarias de uso mixto: 50 clientes

Proveedores de servicios profesionales locales

El banco atiende a 1.850 proveedores de servicios profesionales en varios sectores, con una cartera de banca comercial total de $ 524.7 millones.

Sector profesional	Número de clientes	Cartera de préstamos totales
Servicios legales	450	$ 128.6 millones
Cuidado de la salud	620	$ 215.3 millones
Consultante	380	$ 95.4 millones
Contabilidad	400	$ 85.4 millones

Amerant Bancorp Inc. (AMTB) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

Para el año fiscal 2023, Amerant Bancorp Inc. reportó gastos totales de compensación de empleados de $ 104.8 millones. El desglose de los costos de compensación incluye:

Categoría de compensación	Monto ($)
Salarios base	68,520,000
Bonos de rendimiento	22,680,000
Beneficios para empleados	13,600,000

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2023 totalizaron $ 18.2 millones, lo que incluye:

• Mantenimiento de sistemas de TI: $ 7.6 millones
• Inversiones de ciberseguridad: $ 4.3 millones
• Actualizaciones de la plataforma de banca digital: $ 6.3 millones

Gastos de operación de rama

Los costos operativos relacionados con la sucursal para 2023 ascendieron a $ 32.5 millones:

Categoría de gastos	Monto ($)
Alquiler y ocupación	15,200,000
Utilidades	4,750,000
Mantenimiento y reparaciones	12,550,000

Costos de cumplimiento regulatorio y gestión de riesgos

Los gastos de cumplimiento y gestión de riesgos para 2023 fueron de $ 22.7 millones:

• Informes regulatorios: $ 8.9 millones
• Personal legal y de cumplimiento: $ 6.3 millones
• Sistemas de gestión de riesgos: $ 7.5 millones

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 totalizaron $ 9.6 millones:

Canal de marketing	Monto ($)
Marketing digital	4,200,000
Publicidad tradicional	3,100,000
Programas de adquisición de clientes	2,300,000

Estructura de costos totales para 2023: $ 187.8 millones

Amerant Bancorp Inc. (AMTB) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e hipotecas

Para el año fiscal 2023, Amerant Bancorp informó ingresos por intereses netos de $ 238.1 millones. Desglose de la cartera de préstamos:

Categoría de préstamo	Saldo total	Porcentaje
Inmobiliario comercial	$ 2.1 mil millones	42.3%
Hipotecas residenciales	$ 1.3 mil millones	26.2%
Comercial & Préstamos industriales	$ 1.0 mil millones	20.1%
Préstamos al consumo	$ 0.6 mil millones	11.4%

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 42.3 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 18.7 millones
• Tarifas de transacción: $ 15.6 millones
• Cargos por sobregiro: $ 8.0 millones

Cargos de gestión de patrimonio y servicio de asesoramiento

Segmento de gestión de patrimonio generado $ 27.5 millones en ingresos para 2023, con servicios clave que incluyen:

• Tarifas de planificación financiera
• Servicios de asesoramiento de inversiones
• Gestión de cuentas de jubilación

Comisiones de productos de inversión

Comisiones de productos de inversión alcanzados $ 19.2 millones en 2023, categorizado como:

Tipo de producto	Ingresos por comisión
Fondos mutuos	$ 8.6 millones
Servicios de corretaje	$ 6.9 millones
Transacciones de ETF	$ 3.7 millones

Tarifas de transacción bancaria digital

Los ingresos bancarios digitales para 2023 ascendieron a $ 12.8 millones, incluido:

• Transacciones de banca móvil: $ 6.4 millones
• Procesamiento de pagos en línea: $ 4.2 millones
• Tasas de transferencia digital: $ 2.2 millones

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.