Amerant Bancorp Inc. (AMTB): Análise de Pestle [Jan-2025 Atualizado]

No cenário dinâmico do setor bancário, a Amerant Bancorp Inc. (AMTB) navega em uma complexa rede de forças externas que moldam sua trajetória estratégica. Desde os corredores financeiros ensolarados de Miami até o intrincado ecossistema bancário global, essa análise de pilões revela as influências multifacetadas que impulsionam o potencial de resiliência e crescimento operacional do banco. À medida que a transformação digital, os desafios regulatórios e as necessidades sociais em evolução convergem, a Amerant está na interseção de inovação e adaptação estratégica, oferecendo uma narrativa convincente de como um banco regional prospera em um mundo financeiro cada vez mais interconectado.

Amerant Bancorp Inc. (AMTB) - Análise de Pestle: Fatores Políticos

Os regulamentos bancários dos EUA afetam as estratégias operacionais da Amerant

Dodd-Frank Wall Street Reforma e Requisitos da Lei de Proteção ao Consumidor Índice de capital de camada 1 de 8%. Os regulamentos de Basileia III exigem que o banco mantenha US $ 243,6 milhões em capital total a partir do terceiro trimestre de 2023.

Métrica de conformidade regulatória	Status atual de Amerant
Índice de adequação de capital	12.4%
Índice de cobertura de liquidez	135%
Índice total de capital baseado em risco	14.2%

As políticas adequadas para negócios da Flórida apóiam o crescimento do setor bancário

A Flórida oferece vantagens tributárias significativas para instituições financeiras:

• Sem imposto de renda corporativo do estado
• Sem imposto de renda pessoal
• Carga regulatória reduzida para instituições financeiras

Mudanças potenciais na política monetária federal

As decisões de taxa de juros do Federal Reserve afetam diretamente as práticas de empréstimos da Amerant. Faixa atual da taxa de fundos federais: 5.25% - 5.50%.

Impacto de empréstimos	Efeito potencial
Taxa de empréstimo privilegiada	8.50%
Juros de empréstimos comerciais	6.75% - 9.25%
Taxas de hipoteca	6.75%

Tensões geopolíticas e operações bancárias internacionais

A exposição internacional da Amerant se concentra principalmente nos mercados latino -americanos, particularmente Flórida e Regiões Latino -Americanas.

• Conformidade com os regulamentos da OFAC
• Due diligence aprimorada para transações internacionais
• Monitorando riscos geopolíticos nos mercados latino -americanos

Volume total de transações internacionais em 2023: US $ 1,2 bilhão.

Amerant Bancorp Inc. (AMTB) - Análise de Pestle: Fatores Econômicos

As taxas de juros flutuantes afetam as estratégias de empréstimos e investimentos do Banco

A partir do quarto trimestre de 2023, a margem de juros líquidos da Amerant Bancorp foi de 3,81%, com receita total de juros de US $ 229,7 milhões. A taxa de juros de referência do Federal Reserve de 5,25 a 5,50% influencia diretamente as estratégias de empréstimos e investimentos do banco.

Métrica da taxa de juros	Valor	Ano
Margem de juros líquidos	3.81%	2023
Receita total de juros	US $ 229,7 milhões	2023
Taxa de fundos federais	5.25-5.50%	2023

O ambiente econômico robusto de Miami apóia o crescimento regional de Amerant

O PIB do condado de Miami-Dade foi de US $ 386,4 bilhões em 2022, com um 5,7% de taxa de crescimento anual. A carteira de empréstimos da Amerant na Flórida aumentou para US $ 4,2 bilhões em 2023.

Indicador econômico	Valor	Ano
PIB do Condado de Miami-Dade	US $ 386,4 bilhões	2022
Crescimento regional do PIB	5.7%	2022
Carteira de empréstimo da Flórida Amerant	US $ 4,2 bilhões	2023

Inflação e recuperação econômica influenciam o desempenho do setor bancário

A taxa de inflação dos EUA foi de 3,4% em dezembro de 2023. Os ativos totais da Amerant atingiram US $ 8,9 bilhões, com um Base de depósito central de US $ 6,7 bilhões.

Métrica econômica	Valor	Ano
Taxa de inflação dos EUA	3.4%	Dezembro de 2023
Ativos totais Amerant	US $ 8,9 bilhões	2023
Base de depósito central	US $ 6,7 bilhões	2023

As possíveis crises econômicas podem afetar as taxas de inadimplência de empréstimos

Os empréstimos sem desempenho da Amerant foram de US $ 45,2 milhões em 2023, representando 0,86% do total de empréstimos. O banco mantém um Reserva de perda de empréstimo de US $ 98,3 milhões.

Métrica de desempenho do empréstimo	Valor	Ano
Empréstimos não-desempenho	US $ 45,2 milhões	2023
Razão de empréstimos não-desempenho	0.86%	2023
Reserva de perda de empréstimo	US $ 98,3 milhões	2023

Amerant Bancorp Inc. (AMTB) - Análise de Pestle: Fatores sociais

Crescente demanda por serviços bancários digitais entre dados demográficos mais jovens

De acordo com o relatório anual de 2023 do Amerant Bancorp, as taxas de adoção de bancos digitais entre 18-34 faixa etária alcançados 62.3% em suas regiões de serviço. Downloads de aplicativos bancários móveis aumentados por 27.4% em 2023 em comparação com o ano anterior.

Faixa etária	Adoção bancária digital	Uso do aplicativo móvel
18-24 anos	54.6%	38.2%
25-34 anos	71.9%	62.7%

A base de clientes diversificada na Flórida reflete as necessidades bancárias multiculturais

Os dados demográficos da Flórida mostram que a área de serviço da Amerant compreende 45.6% População hispânica, 37.2% branco não hispânico, 11.3% Preto e 5.9% Outros grupos étnicos a partir de 2023.

Grupo étnico	Percentagem	Preferência do produto bancário
hispânico	45.6%	Serviços bancários bilíngues
Branco não hispânico	37.2%	Canais bancários tradicionais

Preferência crescente por soluções financeiras personalizadas

Os dados da pesquisa de clientes indicam 73.5% dos clientes da Amerant desejam produtos financeiros personalizados. Soluções de investimento personalizadas viram um 41.2% aumento da adoção durante 2023.

Mudança em direção a interações bancárias e financeiras digitais remotas

Interações bancárias remotas aumentadas para 68.7% em 2023, com US $ 245 milhões Nas transações processadas através de plataformas digitais. As aberturas de contas online cresceram 36.8% comparado a 2022.

Canal bancário	Volume de transação	Taxa de crescimento
Mobile Banking	US $ 157 milhões	42.3%
Bancos online	US $ 88 milhões	31.5%

Amerant Bancorp Inc. (AMTB) - Análise de Pestle: Fatores tecnológicos

Investimento contínuo em plataformas bancárias digitais e segurança cibernética

A Amerant Bancorp alocou US $ 8,2 milhões para investimentos em infraestrutura digital e segurança cibernética em 2023. O banco registrou um aumento de 22% nos gastos de segurança da plataforma digital em comparação com 2022.

Categoria de investimento em tecnologia	2023 gastos ($)	Crescimento ano a ano
Infraestrutura bancária digital	5,600,000	18%
Aprimoramentos de segurança cibernética	2,600,000	27%

Implementação de IA e aprendizado de máquina para atendimento ao cliente

A Amerant implementou soluções de atendimento ao cliente, reduzindo o tempo de resposta ao suporte ao cliente em 37%. O banco implantou 3 modelos de aprendizado de máquina para detecção de fraude e otimização de interação com o cliente.

Aplicação da IA	Impacto de implementação	Custo de implementação
Suporte ao cliente Chatbot	37% tempo de resposta mais rápido	$1,250,000
Sistema de detecção de fraude	Taxa de precisão de 92%	$1,750,000

Aplicativos bancários móveis aprimorados e soluções de pagamento digital

O aplicativo bancário móvel da Amerant experimentou 45% de crescimento do usuário em 2023, com 127.000 usuários mensais ativos. O volume de transações de pagamento digital aumentou US $ 42 milhões, representando um crescimento de 28% ano a ano.

Métrica bancária móvel	2023 desempenho	Porcentagem de crescimento
Usuários ativos mensais	127,000	45%
Volume de transação de pagamento digital	$42,000,000	28%

Inovações em blockchain e fintech transformando operações bancárias

A Amerant investiu US $ 3,5 milhões em pesquisa em blockchain e fintech, explorando tecnologias distribuídas de ledger para transações transfronteiriças. O banco estabeleceu parcerias com 2 startups da FinTech para desenvolver soluções financeiras inovadoras.

Área de Inovação Fintech	Investimento ($)	Parcerias estratégicas
Pesquisa em blockchain	2,100,000	1 Startup de blockchain
Inovação de pagamento digital	1,400,000	1 startup de fintech

Amerant Bancorp Inc. (AMTB) - Análise de Pestle: Fatores Legais

Conformidade com regulamentos bancários rigorosos e requisitos de relatório

A Ameant Bancorp Inc. está sujeita a uma supervisão regulatória abrangente de várias agências federais e estaduais. O banco deve cumprir os requisitos de relatório do Federal Reserve Bank, Securities and Exchange Commission (SEC), e Escritório do Controlador da Moeda (OCC).

Agência regulatória	Frequência de relatório	Métricas principais de conformidade
Federal Reserve	Trimestral	Razão de adequação de capital: 13,5%
Sec	Anual	Os registros de 10-K e 10-Q concluídos
Oc	Semestral	Pontuação de conformidade regulatória: 95%

Adesão à lavagem anti-dinheiro (AML) e a conhecer as leis do seu cliente (KYC)

Amerant Bancorp sustenta Programas abrangentes de conformidade com LBC e KYC com métricas de implementação específicas:

• Sistemas de monitoramento de transações que cobrem 100% das contas de clientes
• Taxa anual de conclusão do treinamento da ABC: 99,8%
• Horário de conclusão do processo de verificação do cliente: 24-48 horas

Desafios legais potenciais nas operações bancárias transfronteiriças

Jurisdição	Regiões operacionais	Desafios de conformidade
Estados Unidos	Flórida, Texas	Conformidade regulatória doméstica
América latina	Colômbia, Brasil	Regulamentos de transações internacionais

Escrutínio regulatório das práticas bancárias e proteção do consumidor

Amerant Bancorp enfrenta um exame regulatório em andamento com métricas específicas de supervisão:

• Taxa de resolução de reclamação do consumidor: 97,5%
• Frequência do exame regulatório: Bienal
• Multas de violação de proteção ao consumidor em 2023: $ 0

Amerant Bancorp Inc. (AMTB) - Análise de Pestle: Fatores Ambientais

Práticas bancárias sustentáveis ​​e iniciativas de financiamento verde

A partir de 2024, a Amerant Bancorp Inc. alocou US $ 47,3 milhões para iniciativas de financiamento verde, representando 2,8% de sua carteira total de empréstimos. A quebra de empréstimos sustentáveis ​​do banco é a seguinte:

Categoria de financiamento verde	Investimento total ($)	Porcentagem de portfólio
Projetos de energia renovável	18,920,000	1.1%
Empréstimos de eficiência energética	15,640,000	0.9%
Infraestrutura sustentável	12,740,000	0.8%

Impacto das mudanças climáticas nas estratégias de empréstimos e investimentos

A avaliação de risco climático revelou possíveis vulnerabilidades financeiras em todo o portfólio da Amerant:

• As zonas climáticas de alto risco representam 12,4% do total de empréstimos comerciais
• Perda de crédito potencial estimada de riscos relacionados ao clima: US $ 23,6 milhões
• Prêmio de risco ajustado para setores climáticos-vulneráveis: 0,75%

Foco crescente em relatórios ambientais, sociais e de governança (ESG)

Métricas de relatórios de 2024 ESG do Bancorp Amerant:

Esg métrica	Valor atual	Mudança de ano a ano
Redução de emissões de carbono	Redução de 22%	+5.3%
Compras sustentáveis	68% dos fornecedores	+12.6%
Uso de energia renovável	45% da energia total	+8.2%

Avaliação de risco para vulnerabilidades financeiras relacionadas ao clima

Análise detalhada de exposição ao risco climático:

Setor	Pontuação de vulnerabilidade climática	Impacto financeiro potencial ($)
Imobiliária	High (7.2/10)	16,450,000
Agricultura	Médio (5.6/10)	9,230,000
Fabricação	Baixo (3,4/10)	4,670,000

Amerant Bancorp Inc. (AMTB) - PESTLE Analysis: Social factors

The social landscape for Amerant Bancorp Inc. is a clear map of opportunity and operational pressure, largely driven by the demographic and wealth shifts in its core Florida and Texas markets. You're seeing the direct impact of wealth migration and the non-negotiable demand for digital services forcing a dual investment strategy: build out the digital bank while simultaneously expanding the physical footprint to service high-net-worth (HNW) clients.

The core challenge is balancing the cost of this expansion and technology build-out-like the higher core noninterest expense we saw in 3Q 2025-with the need to attract and retain the right talent to serve a more diverse and demanding customer base.

Continued high-net-worth migration to Florida and Texas driving wealth management demand.

The persistent inflow of affluent individuals and businesses into Florida and Texas is Amerant Bancorp Inc.'s primary social tailwind. These are people moving from higher-tax states, bringing significant capital that needs sophisticated management. This migration directly fuels the bank's wealth management segment, which is a key driver of non-interest income.

Here's the quick math on the opportunity: Amerant's Assets Under Management and custody (AUM) reached $3.07 billion as of the second quarter of 2025, marking a strong 4.5% increase from the first quarter of the year. This growth is a direct result of net new assets flowing in, plus favorable market valuations. This trend strongly validates the bank's strategy of focusing on the South Florida and Texas markets, where it operates 27 banking centers.

Growing customer expectation for seamless, 24/7 digital banking services.

Customers, whether HNW or commercial, now expect a seamless, always-on digital experience. It's not a nice-to-have; it's table stakes. Amerant is responding by focusing on a 'digital-forward' strategy, which is showing up in the expense line.

In the third quarter of 2025, Amerant reported that its core noninterest expense of $75.9 million exceeded guidance, partially due to higher consulting expenses related to its AI governance build-out and Enterprise Risk Management (ERM) enhancements. This is the cost of staying competitive.

• Implementing Digital Onboarding for faster client acquisition.
• Developing a Customer-Facing API Library (Application Programming Interface) for easier integration with business clients.
• Launching Customer Self-Servicing Portals to reduce call center load.
• Integrating AI-Enhanced Team Member Experiences to boost internal efficiency.

The bank has to keep investing heavily in technology, or it risks losing digitally-native clients to fintechs and larger institutions.

Workforce demographic shifts requiring investment in diverse talent acquisition and retention.

The financial services workforce is evolving, and Amerant Bancorp Inc. operates in one of the most diverse regions in the US, making diversity and inclusion (D&I) a business imperative for both talent acquisition and client service. You need a team that looks like your market.

The bank is making a concerted effort to improve its workplace culture and diversity metrics. Amerant Bank was ranked #29 on the 2025 America's Top 100 Most Loved Workplaces list, moving up 12 spots from the prior year. This recognition is critical for retaining its approximately 698 full-time equivalent employees and attracting top talent in a tight labor market.

The firm has set clear, quantifiable goals for its workforce composition, demonstrating a commitment to aligning its internal structure with its diverse operating environment.

Diversity Metric	2021 Baseline	2025 Target
Women in Executive Positions (EEO-1)	40%	50%
Overall Minority Representation	50%	60%
Team Member Engagement Score	N/A	80%

Community reinvestment requirements influencing local lending and branch strategy.

Community Reinvestment Act (CRA) compliance is a major social factor that dictates where and how a bank deploys capital and physical resources. Amerant Bancorp Inc. has consistently maintained an 'Outstanding' CRA rating for 20 consecutive years, a testament to its commitment to low- and moderate-income areas within its assessment areas (AA).

This commitment translates into concrete, high-impact lending goals. The bank has a strategic goal to provide over $1 billion in community development loans and investments between 2021 and 2025. This focus on local economic mobility directly influences its physical expansion strategy.

For instance, the bank's recent branch openings in 2025 are a clear reflection of this dual strategy-servicing both HNW migration and community needs:

• New banking center opened in West Palm Beach in September 2025.
• New banking center opened in Miami Beach in September 2025.
• New banking center opened in Downtown Tampa in October 2025.

These new locations ensure the bank maintains a reasonable accessibility of branch offices to geographies and individuals of different income levels, which is a core component of the CRA Service Test.

Amerant Bancorp Inc. (AMTB) - PESTLE Analysis: Technological factors

Significant investment needed to compete with large national banks and FinTech disruptors.

You're a regional bank, so you face a constant, capital-intensive race against giants like JPMorgan Chase and nimble, venture-backed FinTech firms. Amerant Bancorp's core noninterest expense was $75.9 million in the third quarter of 2025, a figure that includes the cost of this technological catch-up. This isn't just routine IT spending; it's a strategic investment to modernize the entire operational stack.

For Q4 2025, management projects core noninterest expenses to be between $74 million and $75 million, a slight reduction, but the underlying need for high-cost consulting and system integration remains a major headwind. This investment is critical to avoid being relegated to a niche player, especially in the competitive Florida market. Honestly, if you don't spend big on tech, you can't compete on customer experience or efficiency.

Here's the quick math on recent expense pressure:

Metric	Q3 2025 Actual	Q4 2025 Projected	Driver (Q3 2025)
Total Assets	$10.4 billion	Approx. $9.9 billion	Balance sheet optimization, lower wholesale funding
Core Noninterest Expense	$75.9 million	$74 million to $75 million	Higher consulting for AI governance and ERM enhancements
Efficiency Ratio	69.84%	N/A	Impacted by higher expenses

Use of Artificial Intelligence (AI) to improve fraud detection and loan underwriting efficiency.

Amerant is defintely leaning into Artificial Intelligence (AI) as a tool for both defense and efficiency, which is smart. The bank incurred higher consulting expenses in Q3 2025 specifically for its AI governance build-out and Enterprise Risk Management (ERM) enhancements. This signals a formal, structured move beyond pilot programs into production-ready AI systems.

The primary opportunities lie in two areas:

• Fraud Detection: AI analyzes real-time transaction patterns to detect anomalies, which is a massive upgrade from older, rule-based systems. Industry-wide, this proactive approach is essential as financial services fraud rose 14.5% in 2023.
• Loan Underwriting: AI-driven models can analyze up to 10,000 data points per borrower, compared to just 50-100 in traditional scoring. This precision helps Amerant assess risk more accurately and can reduce manual underwriting time by as much as 40%, speeding up decisions for clients.

The goal is to automate mundane tasks, reduce human error, and free up human analysts to focus on complex, high-value decisions.

Cybersecurity risks escalating, requiring a larger portion of the operating budget for defense.

Cybersecurity is no longer an IT cost; it's a cost of doing business, and it's escalating. The rise of Generative AI (GenAI) is making fraud attacks faster and more sophisticated, requiring a constant, defensive capital allocation. The Amerant Board of Directors oversees the annual review and approval of the Company's Information Security Program, underscoring its strategic importance.

The consulting expenses for ERM enhancements mentioned in the Q3 2025 earnings are directly tied to strengthening the bank's digital perimeter. What this estimate hides is the true cost of talent-hiring and retaining top-tier cybersecurity experts is incredibly expensive for a regional bank like Amerant, putting pressure on the noninterest expense line well beyond the consulting fees.

Digital channel adoption critical for maintaining the bank's projected 12% loan portfolio growth.

Digital channel adoption is the engine for future growth, especially to hit ambitious targets. Amerant's strategic goal is to maintain a high-growth trajectory, with a long-term target of 12% loan portfolio growth, and that simply won't happen without a seamless digital experience. While Q3 2025 saw a decrease in gross loans to $6.9 billion, the Q4 2025 projection of $125 million to $175 million in net loan growth shows the bank is pushing for a return to expansion.

To support this, the bank must ensure its digital channels-mobile, online, and virtual meetings-are best-in-class. If the digital onboarding process takes 14+ days, churn risk rises immediately. The bank already holds its annual shareholder meeting in a virtual meeting format only, which is a clear sign of its digital-first operational mindset. Ultimately, a strong digital platform is what translates a loan pipeline into funded assets, making it a critical success factor for the entire growth strategy.

Amerant Bancorp Inc. (AMTB) - PESTLE Analysis: Legal factors

You're operating a bank with over $10 billion in assets in a high-growth, but highly regulated, market like South Florida. The legal landscape is not just a compliance checklist; it's a direct cost driver and a source of significant litigation risk, especially in 2025. We need to focus on the costs of regulatory rigor and the specific exposure in your loan book.

The core challenge is that Amerant Bancorp Inc. (AMTB) sits right at the threshold for intense regulatory scrutiny, specifically from the Consumer Financial Protection Bureau (CFPB), which targets banks with assets over $10 billion. Plus, the complex commercial real estate market is creating tangible, quantifiable non-performing loan issues right now.

Stricter enforcement of Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations.

The regulatory environment for BSA and Anti-Money Laundering (AML) is defintely not easing up, especially for a bank with a significant international component like Amerant. Your Board of Directors explicitly oversees the BSA, AML, and Office of Foreign Assets Control (OFAC) sanctions compliance program, which tells you this is a top-tier operational risk.

The cost of this vigilance is substantial. Here's the quick math: Amerant's non-interest expense in the second quarter of 2025 was $74.4 million. For a mid-sized bank, compliance costs typically run between 2.9% and 8.7% of non-interest expenses. That means your annual compliance spend is likely between $8.6 million and $25.9 million, just to maintain a clean bill of health and avoid massive fines. This is a non-negotiable operating cost.

New state-level data privacy laws (like CCPA) increasing compliance complexity and cost.

Data privacy is a growing legal headache that crosses state lines, forcing a national compliance strategy. Amerant Bank, N.A. specifically addresses compliance with federal and state laws, including the Gramm-Leach-Bliley Act (GLB Act), and even provides a dedicated page for California Consumer Privacy Act (CCPA) Rights on its website. Even though you're headquartered in Florida, serving clients in other states means you must adhere to the strictest state law, like CCPA, which dictates how you collect, safeguard, and share customer information.

This complexity drives up your technology and legal spend. You must implement a privacy framework that can handle:

• Processing opt-out requests for data sharing.
• Managing data subject access requests (DSARs).
• Updating third-party vendor contracts for data security.

What this estimate hides is the potential cost of a breach, which can easily dwarf the annual compliance budget. One clean one-liner: Compliance is expensive, but a breach is catastrophic.

Consumer Financial Protection Bureau (CFPB) focus on overdraft fees and fair lending practices.

The CFPB's aggressive stance on so-called 'junk fees' continues to shape the consumer banking environment in 2025. Because Amerant's total assets were $10.3 billion as of the second quarter of 2025, you are subject to the CFPB's most stringent oversight.

While Congress overturned the CFPB's December 2024 final rule that would have capped overdraft fees at $5, the risk of enforcement actions for unfair, deceptive, or abusive acts or practices (UDAAP) remains high. Other regional banks have faced steep penalties; for instance, Regions Bank was ordered to pay $191 million for illegal surprise overdraft fees. You must ensure your overdraft and non-sufficient fund (NSF) fee disclosures and practices are fully compliant with fair lending laws and UDAAP prohibitions, as the CFPB is actively scrutinizing these revenue streams.

Litigation risk from complex commercial real estate transactions in a changing market.

The biggest near-term legal risk is directly tied to asset quality. Amerant's non-performing assets totaled $140.8 million in Q1 2025, dropping to $97.9 million in Q2 2025, but the underlying Commercial Real Estate (CRE) exposure is clear. The litigation risk stems from the legal process of resolving these distressed assets, including foreclosures, bankruptcies, and workouts.

In the third quarter of 2025, Amerant reported a specific increase in non-performing loans (NPLs) driven by the downgrade of 3 CRE loans totaling $31.0 million. These specific NPLs are geographically and segmentally diversified, which is a key factor in managing risk, but each one carries a high legal cost for resolution.

CRE Non-Performing Loan Detail (Q3 2025)	Amount (in millions)	Property Type	Location
CRE Loan 1	$31.0 (Total for 3 loans)	Construction	Texas
CRE Loan 2	Included in $31.0M	Multifamily	New York
CRE Loan 3	Included in $31.0M	Retail Property	Florida

To be fair, the company noted that these three loans had adequate collateral coverage and did not require immediate reserves, but the legal costs and time involved in working through a $31 million portfolio of defaulted CRE assets will impact non-interest expense in Q4 2025 and beyond.

Next Step: Legal and Compliance: Review the legal costs associated with the Q3 2025 CRE NPLs and model a 10% increase in outside counsel spend for Q4 2025 to manage the workout pipeline.

Amerant Bancorp Inc. (AMTB) - PESTLE Analysis: Environmental factors

You operate a bank headquartered in South Florida, so environmental factors are not just a compliance issue; they are a direct risk to your loan collateral and a clear opportunity for new revenue streams. The key environmental challenge for Amerant Bancorp Inc. is managing the high physical risk exposure in your core operating markets while meeting the increasing demands for transparent environmental, social, and governance (ESG) performance.

Here's the quick math: Climate risk in Florida directly impacts the quality of your real estate-secured assets, which represented 71% of your total loan portfolio as of Q1 2025.

Growing pressure from investors and regulators for detailed Environmental, Social, and Governance (ESG) reporting.

The push for detailed ESG reporting is intensifying, driven by both institutional investors and federal regulators. Amerant Bancorp Inc. is facing scrutiny from stakeholders who want to see measurable progress beyond just stated intentions. The Governance Committee of the Board of Directors is the primary body overseeing the company's Impact Program, which signals that ESG is viewed as a high-level governance priority.

This pressure means you must move past simple disclosures and provide granular data, especially on climate risk. Your commitment to tracking Scope 1 and Scope 2 carbon emissions is a necessary first step, but the market is now demanding a clear path to reducing those emissions, not just offsetting them.

The regulatory landscape is shifting, too. The ongoing evaluation of the Community Reinvestment Act (CRA) changes also has an environmental component, pushing banks to better serve low- and moderate-income communities that are often disproportionately affected by climate change.

Physical risk exposure to climate change (e.g., hurricane frequency) impacting insured collateral values in Florida.

Your concentration in South Florida and the greater Tampa area means physical climate risk is a significant, near-term financial threat. Severe weather events like hurricanes and tropical storms directly threaten the stability of the deposit base and the ability of borrowers to repay loans, which impairs collateral values.

A third-party risk assessment ranks Amerant Bancorp Inc.'s Physical Risk Level as High. Critically, 100.0% of your 25 physical assets are classified as 'Stressed' under a 2030 climate pathway scenario. This is defintely a material risk that requires immediate capital allocation decisions.

This exposure is reflected in asset quality trends. Non-performing assets (NPAs) were $140.8 million in Q1 2025 and increased to $140 million in Q3 2025, representing 1.3% of total assets. While not all of this is climate-related, the underlying risk of catastrophic loss from a major hurricane event remains a key driver for the Allowance for Credit Losses (ACL) calculation.

Climate Risk Metric	Data/Value (2025 Fiscal Year Context)	Strategic Implication
Physical Risk Level	High (as per third-party analysis)	Requires enhanced stress testing and higher capital reserves for real estate-secured loans.
Assets Classified as 'Stressed'	100.0% of 25 physical assets	Indicates all branch/operations centers face material climate-related hazard risk by 2030.
Top Adaptation Priority	Cyclone (Florida, United States)	Mandates investment in facility hardening and business continuity planning for hurricane season.
Non-Performing Assets (Q3 2025)	$140 million (1.3% of total assets)	Climate-related asset impairment is a constant, unquantified risk factor in this figure.

Opportunities in 'green financing' for commercial clients focused on energy efficiency projects.

The shift to a low-carbon economy creates a clear opportunity to grow your loan book with less environmental risk. Amerant Bancorp Inc. has set an ambitious goal to offer $1 billion in sustainable bank products by the end of 2025, which includes environmentally conscious direct or indirect financing.

To be fair, the last public figure showed $134 million in environmentally conscious loans originated as of December 31, 2022, which means you need a significant acceleration to hit the $1 billion target this year. This gap is where the opportunity lies-focusing on commercial clients seeking to finance energy efficiency upgrades, solar installations, or LEED-certified building construction across your Florida and Texas markets.

Need to reduce the bank's own carbon footprint and energy consumption in branch operations.

Reducing your operational footprint is an essential part of the 'E' in ESG, helping to manage costs and improve brand reputation. Amerant Bancorp Inc. has a public commitment to achieving carbon neutrality by 2030.

To meet this goal, you are already tracking Scope 1 and 2 emissions and using carbon offsets. Operational changes show a clear path to reduction:

• Purchased 100% Certified Wind Renewable Energy Credits for six Houston banking centers.
• Installed electric car charging stations at the Coral Gables headquarters and planned for other locations.
• Transitioned from print brochures to digital versions in 2023, providing an incremental reduction in the bank's carbon footprint.

The next concrete step is to publish the actual 2024 or 2025 Scope 1 and 2 emissions data (in metric tons of CO2e) to show the market your progress toward the 2030 carbon neutrality goal.