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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Amerant Bank National Association

Coral Gables, Florida · $10.27B in assets · beside the 6 other Florida banks over $10B

The filing

2.49%
NPA / loans
7th of 7
65.1%
Efficiency
7th of 7
-4.5%
Loans, year over year
7th of 7, largest first

Amerant Bank National Association is the smallest of the 7 Florida banks over $10B, with $10.27B in assets at 30 June 2026. Loans are 82.1% of deposits, 2nd of 7 against a median of 89.8%, and equity is 9.6% of assets, 4th of 7. Loans grew -4.5% in the year, the slowest in the cohort, and deposits grew 0.5%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 2.49% of the book, the highest in the cohort against a median of 0.81%; 0.47% is 30 to 89 days past due, and the allowance covers them 0.5 times. Net charge-offs are 0.25% of loans, 6th of 7. Commercial real estate is 34.7% of loans, 4th of 7 against a median of 34.7%, and 218% of capital, below the 300% screen, with construction at 49% against the 100% screen.

Return on assets is 0.89%, 5th of 7 against a median of 0.99%, on an efficiency ratio of 65.1%, the highest in the cohort. Five years ago it was 0.91%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.81% RJ Raymond James Bank 0.28% SB Southstate Bank N.A. 0.54% SN Seacoast National Bank 0.66% CN City National Bank of Florida 0.81% EN Everbank National Association 1.42% BN Bankunited National Association 1.69% AB Amerant Bank National Association 2.49%
Loans, year over yearFL banks over $10B · 30 June 2026 · no better direction, largest first
median +7.7% SN Seacoast National Bank +24.0% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% BN Bankunited National Association -0.1% AB Amerant Bank National Association -4.5%

SBA 7(a), FY2008 to FY2026

Amerant Bank National Association is the 64th largest 7(a) lender into Florida of 528, with $107M across 134 loans, 0.4% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 7 of its 17 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Miami-Dade, FL$81M17th of 2152.0%-0.7 pts
Harris, TX$52M38th of 3140.6%-0.5 pts
Broward, FL$10M57th of 2090.3%thin
Palm Beach, FL$9M52nd of 1950.4%thin
Fort Bend, TX$4M69th of 1800.2%-0.9 pts
Comal, TX$4M26th of 981.2%thin
Pasco, FL$2M55th of 1340.4%thin
Bexar, TX$2M131st of 2370.1%thin
Polk, FL$2M69th of 1290.4%quiet FY2022
Montgomery, TX$2M92nd of 1650.2%quiet FY2022
Wharton, TX$2M5th of 266.4%quiet FY2017
Brazoria, TX$1M79th of 1290.2%quiet FY2016
Orange, FL$984K138th of 2010.0%thin
4 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade66$64M36.4%0.25%73rd of 1,651
Manufacturing27$36M20.7%0.09%197th of 2,246
Professional & technical services13$13M7.6%0.04%241st of 1,955
Health care & social assistance9$10M5.7%0.02%384th of 2,172
Educational services5$9M5.0%0.17%122nd of 1,136
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Amerant Bank National Association
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans AB Amerant Bank, National Association 0.4% $107M · 134 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Amerant Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen218%4th of 7218%
Construction against capital, the 100% screen49%7th of 740%
Construction and land development, share of loans7.8%6th of 75.7%
Non-owner-occupied nonfarm nonresidential, share of loans23.2%4th of 723.2%
Total CRE, the guidance definition, share of loans34.7%4th of 734.7%
CRE growth over 36 months, the third prong-12.6%1st of 7+20.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Amerant Bank National Association$10.27B0.9%65.1%2.49%0.25%1.2%82.1%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Amerant Bank National AssociationCohort median
20212026Change20212026Change
Loans$5.61B$6.87B+22%$22.89B$23.93B+5%
Deposits$5.72B$8.36B+46%$27.00B$29.09B+8%
NPA / loans2.16%2.49%+0.33 pts0.71%0.81%+0.09 pts
Efficiency73.0%65.1%-7.8 pts55.1%52.7%-2.4 pts
ROA0.91%0.89%-0.02 pts1.19%0.99%-0.20 pts

This read was prepared for Amerant Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Amerant Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks over $10B
Institution www.amerantbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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