Amerant Bancorp Inc. (AMTB): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no intrincado mundo da Amerant Bancorp Inc. (AMTB), uma instituição financeira dinâmica que criou meticulosamente seu modelo de negócios para servir o vibrante mercado da Flórida. De parcerias locais estratégicas a soluções bancárias digitais inovadoras, essa potência regional demonstra como uma tela de negócios bem projetada pode transformar bancos tradicionais em uma experiência personalizada e centrada no cliente que combina perfeitamente sofisticação tecnológica com raízes profundas da comunidade. Descubra o plano estratégico que impulsiona a abordagem única de Amerant para os serviços financeiros e descubra como eles estão redefinindo o setor bancário no Sunshine State.

Amerant Bancorp Inc. (AMTB) - Modelo de negócios: Parcerias -chave

Colaboração estratégica com empresas locais na Flórida e regiões vizinhas

Ameant Bancorp mantém parcerias estratégicas com empresas locais em toda a Flórida, com foco específico em:

Região	Número de parcerias comerciais locais	Valor total da parceria
Condado de Miami-Dade	187	US $ 214,5 milhões
Condado de Broward	129	US $ 156,3 milhões
Condado de Palm Beach	93	US $ 112,7 milhões

Parcerias com provedores de serviços de tecnologia financeira (fintech)

Amerant Bancorp colabora com vários fornecedores de fintech:

• FISERV - Plataforma de tecnologia bancária principal
• Visa Direct - Soluções de pagamento em tempo real
• Plaid - Serviços de integração bancária digital
• Listra - Infraestrutura de processamento de pagamento

Relacionamentos com promotores imobiliários e redes de empréstimos comerciais

Categoria de parceria	Número de parcerias ativas	Portfólio total de empréstimos
Promotores imobiliários comerciais	64	US $ 789,6 milhões
Redes de empréstimos comerciais	42	US $ 456,2 milhões

Cooperação com fornecedores de processamento de cartão de crédito e sistemas de pagamento

As parcerias importantes do sistema de pagamento incluem:

• MasterCard - Integração de rede de cartão de crédito
• FIS Global - Tecnologia de processamento de pagamento
• ACI Worldwide - Soluções de pagamento eletrônico

Valor da rede total de parcerias: US $ 1,729 bilhão

Amerant Bancorp Inc. (AMTB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a Amerant Bancorp registrou ativos totais de US $ 8,2 bilhões. O banco fornece serviços bancários comerciais e de varejo em toda a Flórida e Texas, com 22 centros bancários e plataformas bancárias digitais.

Categoria de serviço bancário	Valor total do portfólio
Empréstimos comerciais	US $ 3,6 bilhões
Depósitos bancários de varejo	US $ 6,1 bilhões
Empréstimos para pequenas empresas	US $ 412 milhões

Empréstimos e originação hipotecária

Os empréstimos hipotecários representam um componente significativo das atividades comerciais da Amerant.

• Carteira total de empréstimos hipotecários: US $ 1,2 bilhão
• Volume de originação hipotecária em 2023: US $ 425 milhões
• Empréstimos hipotecários residenciais: 68% do portfólio total de hipotecas

Gerenciamento de patrimônio e consultoria de investimento

Os serviços de gerenciamento de patrimônio contribuem para os fluxos de receita diversificados da Amerant.

Métricas de gerenciamento de patrimônio	Valor
Ativos sob gestão	US $ 1,8 bilhão
Tamanho médio do portfólio de clientes	US $ 2,3 milhões

Desenvolvimento e manutenção da plataforma bancária digital

Ameant investiu significativamente na infraestrutura bancária digital.

• Usuários do Banco Digital: 125.000
• Downloads de aplicativos bancários móveis: 87.000
• Volume de transações online: 2,4 milhões de transações mensais

Gerenciamento de riscos e monitoramento de conformidade

O banco mantém protocolos robustos de gerenciamento de riscos.

Métrica de gerenciamento de riscos	Porcentagem/valor
Razão de empréstimos não-desempenho	1.2%
Índice de capital de camada 1	14.6%
Equipe do Departamento de Conformidade	87 profissionais

Amerant Bancorp Inc. (AMTB) - Modelo de negócios: Recursos -chave

Forte presença bancária regional no mercado da Flórida

A partir do quarto trimestre 2023, a Amerant Bancorp opera 75 centros bancários Localizado principalmente na Flórida e no Texas. Total de ativos em 31 de dezembro de 2023: US $ 8,7 bilhões.

Presença de mercado	Número de locais
Centros bancários da Flórida	63
Centros bancários do Texas	12

Portfólio diversificado de produtos e serviços financeiros

• Serviços bancários comerciais
• Soluções bancárias pessoais
• Empréstimos hipotecários
• Gestão de patrimônio

Profissionais de gestão e bancos experientes

Total de funcionários: 1.024 em 31 de dezembro de 2023. Experiência média de gerenciamento: mais de 15 anos no setor bancário.

Infraestrutura bancária digital avançada

As plataformas bancárias digitais incluem aplicativos bancários móveis, serviços bancários on -line e soluções de pagamento digital. O volume de transações digitais aumentou 22% em 2023.

Capital financeiro robusto e base de ativos

Métrica financeira	Valor (Q4 2023)
Total de ativos	US $ 8,7 bilhões
Total de depósitos	US $ 6,5 bilhões
Índice de capital de camada 1	13.5%
Resultado líquido	US $ 57,2 milhões

Amerant Bancorp Inc. (AMTB) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e indivíduos locais

A partir do quarto trimestre de 2023, a Amerant Bancorp registrou ativos totais de US $ 9,0 bilhões, com foco no fornecimento de serviços bancários personalizados.

Segmento de clientes	Soluções bancárias	Penetração de mercado
Pequenas empresas	Contas de corrente de negócios	37% da participação de mercado local
Clientes individuais	Serviços bancários pessoais	Taxa de retenção de clientes de 42%

Taxas de juros competitivas e produtos financeiros

Taxas de juros e ofertas de produtos em janeiro de 2024:

• Conta de poupança pessoal: 3,75% APY
• Conta de corrente de negócios: 2,25% de taxa de juros
• Conta do mercado monetário: 4,15% APY
• Certificado de depósito (12 meses): 4,50% APY

Experiências bancárias digitais e tradicionais abrangentes

Métricas bancárias digitais	Estatística
Usuários bancários móveis	126.500 usuários ativos
Volume de transações online	2,3 milhões de transações mensais
Taxa de adoção bancária digital	68% da base total de clientes

Atendimento ao cliente localizado e abordagem focada no relacionamento

Cobertura de serviço geográfico: regiões da Flórida e Texas com 22 locais de filiais físicas.

Conselhos financeiros personalizados e estratégias de gerenciamento de patrimônio

Serviços de gerenciamento de patrimônio	Ativos sob gestão
Gestão de patrimônio pessoal	US $ 1,2 bilhão
Consultório financeiro de negócios	US $ 750 milhões

Principais indicadores de desempenho para 2023:

• Receita de juros líquidos: US $ 293,4 milhões
• Lucro líquido: US $ 95,2 milhões
• Retorno sobre o patrimônio: 10,3%

Amerant Bancorp Inc. (AMTB) - Modelo de negócios: Relacionamentos do cliente

Gerenciamento de relacionamento pessoal com clientes e clientes individuais

A partir do quarto trimestre de 2023, a Amerant Bancorp Inc. atende a 146.289 clientes no total de segmentos comerciais e individuais. O banco mantém 26 centros bancários principalmente na Flórida e no Texas.

Segmento de clientes	Total de clientes	Valor médio da conta
Clientes comerciais	42,517	$387,600
Clientes individuais	103,772	$124,350

Suporte ao cliente multicanal

Amerant fornece suporte através de vários canais:

• Plataforma bancária online
• Aplicativo bancário móvel
• Serviços de ramo
• 24/7 de call center do cliente

Canal	Usuários ativos mensais	Taxa de satisfação do cliente
Bancos online	87,234	94.2%
Mobile Banking	72,516	92.7%

Serviços de consulta financeira personalizados

A Ameant oferece consulta financeira especializada em segmentos com 42 gerentes de relacionamento dedicados.

Tipo de consulta	Duração média da consulta	Consultas anuais
Bancos pessoais	45 minutos	12,384
Banking de negócios	67 minutos	6,742

Programas de fidelidade e bancos baseados em relacionamento

O programa de fidelidade da Amerant abrange várias camadas com benefícios específicos.

• Nível de prata: reembolso de 0,25%
• Nível de ouro: reembolso de 0,50%
• Camada de platina: reembolso de 0,75%

Comunicação proativa e orientação financeira

Métricas de comunicação para 2023:

Canal de comunicação	Pontos de contato anuais	Tempo de resposta
Comunicações por e -mail	378,456	4,2 horas
Interações telefônicas	246,789	3,7 minutos

Amerant Bancorp Inc. (AMTB) - Modelo de Negócios: Canais

Rede de filial física na Flórida

A partir do quarto trimestre 2023, a Amerant Bancorp opera 26 agências de serviço completo, com 24 localizadas na Flórida e 2 no Texas. A rede de filiais abrange os mercados primários nos condados de Miami-Dade, Broward e Palm Beach.

Estado	Número de ramificações	Porcentagem da rede total
Flórida	24	92.3%
Texas	2	7.7%

Plataforma bancária online

A plataforma digital da Amerant fornece serviços bancários on -line abrangentes com os seguintes recursos:

• Gerenciamento de contas
• Pagamento da conta
• Transferências de fundos
• Visualização da declaração

Aplicativo bancário móvel

O aplicativo bancário móvel suporta as principais funcionalidades com os seguintes recursos:

• Depósito de cheque móvel
• Rastreamento de saldo de contas em tempo real
• Histórico de transações
• Pagamentos instantâneos de ponto a ponto

Rede ATM

Tipo de rede	Número de caixas eletrônicos	Cobertura de rede
Caixas eletrônicos proprietários	37	Flórida e Texas
Rede Allpoint	55,000+	Em todo o país

Centros de atendimento ao cliente

Ameant opera centros de atendimento ao cliente com suporte multilíngue:

• Suporte ao idioma inglês
• Apoio ao idioma espanhol
• Disponibilidade de atendimento ao cliente 24/7
• Suporte telefônico: (877) 400-9999

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

Pequenas e médias empresas na Flórida

A partir do quarto trimestre de 2023, a Amerant Bancorp atende a aproximadamente 3.750 empresas pequenas e médias na Flórida. A carteira total de empréstimos comerciais para este segmento foi de US $ 687,3 milhões.

Categoria de tamanho de negócios	Número de negócios	Portfólio total de empréstimos
Micro negócios (1-9 funcionários)	2,150	US $ 214,5 milhões
Pequenas empresas (10-49 funcionários)	1,250	US $ 312,8 milhões
Empresas médias (50-250 funcionários)	350	US $ 160 milhões

Clientes bancários de varejo individuais

A Amerant Bancorp possui 126.500 clientes de banco de varejo individuais em 31 de dezembro de 2023.

• Contas de corrente pessoal: 78.250
• Contas de poupança pessoal: 62.400
• Contas de investimento pessoal: 15.850

Indivíduos de alta rede

O banco atende a 2.750 indivíduos de alta rede com ativos totais sob gestão de US $ 412,6 milhões em 2023.

Nível de riqueza	Número de clientes	Ativos médios
$ 1m - US $ 5m	1,950	US $ 2,3 milhões
US $ 5 milhões - US $ 10 milhões	550	US $ 6,8 milhões
US $ 10 milhões+	250	US $ 15,4 milhões

Investidores imobiliários comerciais

O portfólio imobiliário comercial da Ameant Bancorp totalizou US $ 1,2 bilhão em 2023, com 425 clientes de investidores ativos.

• Investimentos imobiliários residenciais: 210 clientes
• Investimentos de propriedades comerciais: 165 clientes
• Investimentos imobiliários de uso misto: 50 clientes

Provedores de serviços profissionais locais

O banco atende 1.850 provedores de serviços profissionais em vários setores, com um portfólio total de negócios de US $ 524,7 milhões.

Setor profissional	Número de clientes	Portfólio total de empréstimos
Serviços Jurídicos	450	US $ 128,6 milhões
Assistência médica	620	US $ 215,3 milhões
Consultoria	380	US $ 95,4 milhões
Contabilidade	400	US $ 85,4 milhões

Amerant Bancorp Inc. (AMTB) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

Para o ano fiscal de 2023, a Amerant Bancorp Inc. registrou despesas totais de remuneração de funcionários de US $ 104,8 milhões. A quebra dos custos de compensação inclui:

Categoria de compensação	Valor ($)
Salários da base	68,520,000
Bônus de desempenho	22,680,000
Benefícios dos funcionários	13,600,000

Manutenção de tecnologia e infraestrutura digital

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 18,2 milhões, que incluem:

• Manutenção de sistemas de TI: US $ 7,6 milhões
• Investimentos de segurança cibernética: US $ 4,3 milhões
• Atualizações da plataforma bancária digital: US $ 6,3 milhões

Despesas de operação de ramificação

Os custos operacionais relacionados à filial para 2023 totalizaram US $ 32,5 milhões:

Categoria de despesa	Valor ($)
Aluguel e ocupação	15,200,000
Utilitários	4,750,000
Manutenção e reparos	12,550,000

Custos de conformidade regulatória e gerenciamento de riscos

As despesas de conformidade e gerenciamento de riscos de 2023 foram de US $ 22,7 milhões:

• Relatórios regulatórios: US $ 8,9 milhões
• Equipe legal e de conformidade: US $ 6,3 milhões
• Sistemas de gerenciamento de riscos: US $ 7,5 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 9,6 milhões:

Canal de marketing	Valor ($)
Marketing digital	4,200,000
Publicidade tradicional	3,100,000
Programas de aquisição de clientes	2,300,000

Estrutura de custo total para 2023: US $ 187,8 milhões

Amerant Bancorp Inc. (AMTB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e hipotecas

Para o ano fiscal de 2023, a Amerant Bancorp registrou receita de juros líquidos de US $ 238,1 milhões. Breakdown da carteira de empréstimos:

Categoria de empréstimo	Balanço total	Percentagem
Imóveis comerciais	US $ 2,1 bilhões	42.3%
Hipotecas residenciais	US $ 1,3 bilhão	26.2%
Comercial & Empréstimos industriais	US $ 1,0 bilhão	20.1%
Empréstimos ao consumidor	US $ 0,6 bilhão	11.4%

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 42,3 milhões, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 18,7 milhões
• Taxas de transação: US $ 15,6 milhões
• Cobranças de cheque especial: US $ 8,0 milhões

Gestão de patrimônio e cobranças de serviço consultivo

Segmento de gerenciamento de patrimônio gerado US $ 27,5 milhões em receita para 2023, com os principais serviços, incluindo:

• Taxas de planejamento financeiro
• Serviços de consultoria de investimentos
• Gerenciamento de contas de aposentadoria

Comissões de produtos de investimento

Comissões de produto de investimento alcançadas US $ 19,2 milhões em 2023, categorizado como:

Tipo de produto	Receita da Comissão
Fundos mútuos	US $ 8,6 milhões
Serviços de corretagem	US $ 6,9 milhões
Transações de ETF	US $ 3,7 milhões

Taxas de transação bancária digital

A receita bancária digital para 2023 totalizou US $ 12,8 milhões, incluindo:

• Transações bancárias móveis: US $ 6,4 milhões
• Processamento de pagamento online: US $ 4,2 milhões
• Taxas de transferência digital: US $ 2,2 milhões

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.