← Back to Institutions
Amerant Bank, National Association
Coral Gables, FL·FDIC Cert #22953·Charter: OCC·Est. 19790917.0·HC: AMERANT BCORP INC
Total Assets
$9.8B
Q4 2025
Return on Assets
0.64%
-0.11%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.43%
Peer avg: 56.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.64%-0.11
ROE
6.67%-1.24
Efficiency
71.43%+5.53
Equity/Assets
0.00%+0.00
NPL Ratio
2.59%+0.77
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.79%+2.65
Charge-offs
0.63%+0.14
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.4 | -0.3 | -0.0 | 0.6 | 0.8 | 0.7 | 0.6 |
| ROE | 6.7 | 5.3 | -3.8 | -0.4 | 6.4 | 8.4 | 7.9 | 6.7 |
| Efficiency | 68.7 | 69.6 | 69.9 | 68.2 | 64.8 | 65.1 | 65.9 | 71.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 1.4 | 1.5 | 1.4 | 1.7 | 1.2 | 1.8 | 2.6 |
| Charge-offs | 0.7 | 0.9 | 1.2 | 0.9 | 0.2 | 0.5 | 0.5 | 0.6 |
| Loan/Deposit | 87.1 | 91.9 | 91.1 | 90.3 | 86.4 | 85.4 | 82.1 | 84.8 |
Balance Sheet
Total Assets$9.8B
Total Deposits$7.8B
Total Loans$6.6B
Total Equity$978.4M
Profitability
ROA0.64%
ROE6.67%
Efficiency Ratio71.43%
Net Income$64.5M
Risk & Asset Quality
NPL Ratio2.59%
Charge-off Rate0.63%
Loan/Deposit84.79%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans