Amerant Bancorp Inc. (AMTB): Canvas du modèle d'entreprise [Jan-2025 Mis à jour]

Plongez dans le monde complexe d'Amerant Bancorp Inc. (AMTB), une institution financière dynamique qui a méticuleusement conçu son modèle commercial pour servir le marché dynamique de la Floride. Des partenariats locaux stratégiques aux solutions bancaires numériques innovantes, cette centrale régionale montre comment une toile commerciale bien conçue peut transformer les services bancaires traditionnels en une expérience personnalisée et centrée sur le client qui mélange de manière transparente la sophistication technologique avec des racines communautaires profondes. Découvrez le plan stratégique qui stimule l'approche unique d'Amerant pour les services financiers et découvre comment ils redéfinissent les services bancaires dans l'État de Sunshine.

Amerant Bancorp Inc. (AMTB) - Modèle commercial: partenariats clés

Collaboration stratégique avec les entreprises locales en Floride et les régions environnantes

Amerant Bancorp maintient des partenariats stratégiques avec des entreprises locales à travers la Floride, avec un accent spécifique sur:

Région	Nombre de partenariats commerciaux locaux	Valeur du partenariat total
Comté de Miami-Dade	187	214,5 millions de dollars
Comté de Broward	129	156,3 millions de dollars
Comté de Palm Beach	93	112,7 millions de dollars

Partenariats avec les fournisseurs de services de la technologie financière (FINTECH)

Amerant Bancorp collabore avec plusieurs fournisseurs de fintech:

• Fiserv - plateforme de technologie bancaire de base
• Visa Direct - Solutions de paiement en temps réel
• Plaid - services d'intégration bancaire numérique
• Stripe - Infrastructure de traitement des paiements

Relations avec les promoteurs immobiliers et les réseaux de prêts commerciaux

Catégorie de partenariat	Nombre de partenariats actifs	Portefeuille de prêts totaux
Promoteurs immobiliers commerciaux	64	789,6 millions de dollars
Réseaux de prêt commercial	42	456,2 millions de dollars

Coopération avec les fournisseurs de traitements de carte de crédit et de système de paiement

Les partenariats du système de paiement clés comprennent:

• MasterCard - Intégration du réseau de cartes de crédit
• FIS Global - Technologie de traitement des paiements
• ACI Worldwide - Solutions de paiement électronique

Valeur totale du réseau de partenariat: 1,729 milliard de dollars

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Au quatrième trimestre 2023, Amerant Bancorp a déclaré un actif total de 8,2 milliards de dollars. La banque fournit des services bancaires commerciaux et de détail à travers la Floride et le Texas, avec 22 centres bancaires et plateformes bancaires numériques.

Catégorie de service bancaire	Valeur totale du portefeuille
Prêts commerciaux	3,6 milliards de dollars
Dépôts bancaires au détail	6,1 milliards de dollars
Prêts aux petites entreprises	412 millions de dollars

Prêts hypothécaires et origine

Les prêts hypothécaires représentent une composante importante des activités commerciales d'Amerant.

• Portfolio total de prêts hypothécaires: 1,2 milliard de dollars
• Volume d'origine hypothécaire en 2023: 425 millions de dollars
• Prêts hypothécaires résidentiels: 68% du portefeuille total hypothécaire

Advisory de gestion de la patrimoine et d'investissement

Les services de gestion de patrimoine contribuent aux sources de revenus diversifiées d'Amerant.

Métriques de gestion de la patrimoine	Valeur
Actifs sous gestion	1,8 milliard de dollars
Taille moyenne du portefeuille client	2,3 millions de dollars

Développement et maintenance de la plate-forme bancaire numérique

Amerant a investi considérablement dans les infrastructures bancaires numériques.

• Utilisateurs bancaires numériques: 125 000
• Téléchargements d'applications bancaires mobiles: 87 000
• Volume de transactions en ligne: 2,4 millions de transactions mensuelles

Gestion des risques et surveillance de la conformité

La banque maintient des protocoles de gestion des risques robustes.

Métrique de gestion des risques	Pourcentage / valeur
Ratio de prêts non performants	1.2%
Ratio de capital de niveau 1	14.6%
Personnel du département de conformité	87 professionnels

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: Ressources clés

Forte présence bancaire régionale sur le marché de la Floride

Depuis le quatrième trimestre 2023, Amerant Bancorp fonctionne 75 centres bancaires principalement situé en Floride et au Texas. Actif total au 31 décembre 2023: 8,7 milliards de dollars.

Présence du marché	Nombre d'emplacements
Centres bancaires de Floride	63
Centres bancaires du Texas	12

Portefeuille diversifié de produits et services financiers

• Services bancaires commerciaux
• Solutions bancaires personnelles
• Prêts hypothécaires
• Gestion de la richesse

Professionnels de la gestion et de la banque expérimentés

Total des employés: 1 024 au 31 décembre 2023. Expérience de gestion moyenne: 15 ans et plus dans le secteur bancaire.

Infrastructure bancaire numérique avancée

Les plates-formes bancaires numériques comprennent l'application bancaire mobile, les services bancaires en ligne et les solutions de paiement numérique. Le volume des transactions numériques a augmenté de 22% en 2023.

Capital financier robuste et base d'actifs

Métrique financière	Valeur (Q4 2023)
Actif total	8,7 milliards de dollars
Dépôts totaux	6,5 milliards de dollars
Ratio de capital de niveau 1	13.5%
Revenu net	57,2 millions de dollars

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers locaux

Au quatrième trimestre 2023, Amerant Bancorp a déclaré un actif total de 9,0 milliards de dollars, en mettant l'accent sur la fourniture de services bancaires sur mesure.

Segment de clientèle	Solutions bancaires	Pénétration du marché
Petites entreprises	Comptes de chèques d'entreprise	37% de la part de marché locale
Clients individuels	Services bancaires personnels	Taux de rétention de 42%

Taux d'intérêt concurrentiels et produits financiers

Taux d'intérêt et offres de produits en janvier 2024:

• Compte d'épargne personnelle: 3,75% apy
• Compte de courant des entreprises: taux d'intérêt de 2,25%
• Compte de marché monétaire: 4,15% apy
• Certificat de dépôt (12 mois): 4,50% APY

Expériences bancaires numériques et traditionnelles complètes

Métriques bancaires numériques	Statistiques
Utilisateurs de la banque mobile	126 500 utilisateurs actifs
Volume de transaction en ligne	2,3 millions de transactions mensuelles
Taux d'adoption des banques numériques	68% de la clientèle totale

Service client localisé et approche axée sur les relations

Couverture des services géographiques: Floride et régions du Texas avec 22 emplacements de succursales physiques.

Conseils financiers sur mesure et stratégies de gestion de la patrimoine

Services de gestion de la patrimoine	Actifs sous gestion
Gestion de la richesse personnelle	1,2 milliard de dollars
Avis financier des entreprises	750 millions de dollars

Indicateurs de performance clés pour 2023:

• Revenu des intérêts nets: 293,4 millions de dollars
• Revenu net: 95,2 millions de dollars
• Retour des capitaux propres: 10,3%

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: relations clients

Gestion des relations personnelles avec des entreprises et des clients individuels

Depuis le quatrième trimestre 2023, Amerant Bancorp Inc. dessert 146 289 clients totaux à travers les segments des entreprises et des individus. La banque maintient 26 centres bancaires principalement en Floride et au Texas.

Segment de clientèle	Total des clients	Valeur moyenne du compte
Clients commerciaux	42,517	$387,600
Clients individuels	103,772	$124,350

Support client multicanal

Amerant fournit un support via plusieurs canaux:

• Plateforme bancaire en ligne
• Application bancaire mobile
• Services en branche
• Centre d'appels client 24/7

Canal	Utilisateurs actifs mensuels	Taux de satisfaction client
Banque en ligne	87,234	94.2%
Banque mobile	72,516	92.7%

Services de consultation financière personnalisés

Amerant propose une consultation financière spécialisée entre les segments avec 42 gestionnaires de relations dédiées.

Type de consultation	Durée de consultation moyenne	Consultations annuelles
Banque personnelle	45 minutes	12,384
Banque d'affaires	67 minutes	6,742

Programmes de fidélité et banque basée sur les relations

Le programme de fidélité d'Amerant couvre plusieurs niveaux avec des avantages spécifiques.

• Tier argenté: 0,25% de cashback
• Tier d'or: 0,50% de cashback
• Platinum Tier: 0,75% de cashback

Communication proactive et guidage financier

Métriques de communication pour 2023:

Canal de communication	Points de contact annuels	Temps de réponse
Communications par e-mail	378,456	4,2 heures
Interactions téléphoniques	246,789	3,7 minutes

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: canaux

Réseau de succursale physique en Floride

Au quatrième trimestre 2023, Amerant Bancorp exploite 26 succursales à service complet, avec 24 situées en Floride et 2 au Texas. Le réseau de succursales couvre les marchés primaires dans les comtés de Miami-Dade, de Broward et de Palm Beach.

État	Nombre de branches	Pourcentage du réseau total
Floride	24	92.3%
Texas	2	7.7%

Plateforme bancaire en ligne

La plate-forme numérique d'Amerant fournit des services bancaires en ligne complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Paiement de facture
• Transferts de fonds
• Affichage de la déclaration

Application bancaire mobile

L'application bancaire mobile prend en charge les fonctionnalités clés avec les capacités suivantes:

• Dépôt de chèques mobiles
• Suivi du solde du compte en temps réel
• Historique des transactions
• Paiements instantanés entre les pairs

Réseau ATM

Type de réseau	Nombre de distributeurs automatiques de billets	Couverture réseau
MAT propriétaires	37	Floride et Texas
Réseau AllPoint	55,000+	À l'échelle nationale

Centres d'appels de service client

Amerant exploite des centres de service à la clientèle avec un support multilingue:

• Support de langue anglaise
• Support de langue espagnole
• Disponibilité du service client 24/7
• Prise en charge du téléphone: (877) 400-9999

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises en Floride

Depuis le quatrième trimestre 2023, le Bancorp Amerant dessert environ 3 750 petites et moyennes entreprises de Floride. Le portefeuille total de prêts commerciaux pour ce segment était de 687,3 millions de dollars.

Catégorie de taille d'entreprise	Nombre d'entreprises	Portefeuille de prêts totaux
Micro-entreprises (1-9 employés)	2,150	214,5 millions de dollars
Petites entreprises (10-49 employés)	1,250	312,8 millions de dollars
Entreprises moyennes (50-250 employés)	350	160 millions de dollars

Clients bancaires de détail individuels

Amerant Bancorp compte 126 500 clients bancaires de détail individuels au 31 décembre 2023.

• Comptes de chèques personnels: 78 250
• Comptes d'épargne personnels: 62 400
• Comptes d'investissement personnel: 15 850

Individus à haute nette

La banque dessert 2 750 personnes à haute teneur en naissance avec un actif total sous gestion de 412,6 millions de dollars en 2023.

Niveau de richesse	Nombre de clients	Actifs moyens
1 M $ - 5 M $	1,950	2,3 millions de dollars
5 M $ - 10 M $	550	6,8 millions de dollars
10 M $ +	250	15,4 millions de dollars

Investisseurs immobiliers commerciaux

Le portefeuille immobilier commercial de Bancorp Amerant a totalisé 1,2 milliard de dollars en 2023, avec 425 clients des investisseurs actifs.

• Investissements immobiliers résidentiels: 210 clients
• Investissements immobiliers commerciaux: 165 clients
• Investissements immobiliers à usage mixte: 50 clients

Fournisseurs de services professionnels locaux

La banque dessert 1 850 prestataires de services professionnels dans divers secteurs, avec un portefeuille bancaire total de 524,7 millions de dollars.

Secteur professionnel	Nombre de clients	Portefeuille de prêts totaux
Services juridiques	450	128,6 millions de dollars
Soins de santé	620	215,3 millions de dollars
Consultant	380	95,4 millions de dollars
Comptabilité	400	85,4 millions de dollars

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: Structure des coûts

Salaires et avantages sociaux des employés

Pour l'exercice 2023, Amerant Bancorp Inc. a déclaré des frais totaux de rémunération des employés de 104,8 millions de dollars. La répartition des coûts de rémunération comprend:

Catégorie de compensation	Montant ($)
Salaires de base	68,520,000
Bonus de performance	22,680,000
Avantages sociaux	13,600,000

Maintenance de la technologie et des infrastructures numériques

Les coûts d'infrastructure technologique pour 2023 ont totalisé 18,2 millions de dollars, ce qui comprend:

• Maintenance des systèmes informatiques: 7,6 millions de dollars
• Investissements en cybersécurité: 4,3 millions de dollars
• Mises à niveau de la plate-forme bancaire numérique: 6,3 millions de dollars

Dépenses de fonctionnement de la succursale

Les coûts opérationnels liés à la succursale pour 2023 s'élevaient à 32,5 millions de dollars:

Catégorie de dépenses	Montant ($)
Loyer et occupation	15,200,000
Services publics	4,750,000
Entretien et réparations	12,550,000

Contacments de conformité réglementaire et de gestion des risques

Les dépenses de conformité et de gestion des risques pour 2023 étaient de 22,7 millions de dollars:

• Représentation réglementaire: 8,9 millions de dollars
• Personnel juridique et conformité: 6,3 millions de dollars
• Systèmes de gestion des risques: 7,5 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 ont totalisé 9,6 millions de dollars:

Canal de marketing	Montant ($)
Marketing numérique	4,200,000
Publicité traditionnelle	3,100,000
Programmes d'acquisition de clients	2,300,000

Structure totale des coûts pour 2023: 187,8 millions de dollars

Amerant Bancorp Inc. (AMTB) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et hypothèques

Pour l'exercice 2023, Amerant Bancorp a déclaré un revenu net d'intérêts de 238,1 millions de dollars. Répartition du portefeuille de prêts:

Catégorie de prêt	Solde total	Pourcentage
Immobilier commercial	2,1 milliards de dollars	42.3%
Hypothèques résidentielles	1,3 milliard de dollars	26.2%
Commercial & Prêts industriels	1,0 milliard de dollars	20.1%
Prêts à la consommation	0,6 milliard de dollars	11.4%

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 42,3 millions de dollars, avec la distribution suivante:

• Frais de maintenance du compte: 18,7 millions de dollars
• Frais de transaction: 15,6 millions de dollars
• Frais de découvert: 8,0 millions de dollars

Frais de gestion de la patrimoine et des services de consultation

Segment de gestion de patrimoine généré 27,5 millions de dollars en revenus pour 2023, avec des services clés, notamment:

• Frais de planification financière
• Services de conseil en investissement
• Gestion des comptes de retraite

Commissions de produits d'investissement

Commissions de produits d'investissement atteints 19,2 millions de dollars en 2023, catégorisé comme:

Type de produit	Revenus de commission
Fonds communs de placement	8,6 millions de dollars
Services de courtage	6,9 millions de dollars
Transactions ETF	3,7 millions de dollars

Frais de transaction bancaire numérique

Les revenus bancaires numériques pour 2023 sont équipés de 12,8 millions de dollars, y compris:

• Transactions bancaires mobiles: 6,4 millions de dollars
• Traitement des paiements en ligne: 4,2 millions de dollars
• Frais de transfert numérique: 2,2 millions de dollars

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.