Amerant Bancorp reports $2.7M net income in Q4 2025

By Chris Stiles • Friday, January 23 03:24 • Permanent Link

Amerant Bancorp Inc. has reported its financial results for the fourth quarter of 2025 and the full year of 2025. The net income attributable to the company was $2.7 million in the fourth quarter of 2025, a significant decrease from the $14.8 million reported in the third quarter of 2025. For the full year 2025, net income was $52.4 million, a substantial improvement from the net loss of $15.8 million in the full year 2024.

In the fourth quarter of 2025, total assets were $9.8 billion, down $633.2 million compared to the third quarter of 2025. Total gross loans decreased to $6.7 billion, cash and cash equivalents were down to $470.2 million, and total deposits were down to $7.8 billion. The net interest margin was 3.78%, down from 3.92% in the third quarter of 2025.

Asset quality and allowance for credit losses showed an increase in non-performing assets to $186.9 million, with a decrease in the allowance for credit losses to $79.3 million. Classified loans also increased to $354.8 million.

The efficiency ratio was 95.19% in the fourth quarter of 2025, up from 69.84% in the third quarter, while the return on average assets was 0.10%, down from 0.57%.

For the full year 2025, total assets were $9.8 billion, down $124.7 million compared to the full year 2024. Total gross loans decreased to $6.7 billion, cash and cash equivalents were down to $470.2 million, and total deposits were down to $7.8 billion. The net interest margin was 3.82%, up from 3.58% in the full year 2024.

The efficiency ratio was 95.19% for the full year 2025, up from 89.17% in the full year 2024, while the return on average assets was positive 0.51%, compared to negative 0.16% in the full year 2024.

Additionally, the company declared a cash dividend of $0.09 per share of common stock, payable on February 27, 2026, to shareholders of record on February 13, 2026.

These figures depict significant changes in the company's financial metrics over the reported periods, reflecting the company's efforts to address key credit matters and improve organizational efficiencies. The market has reacted to these announcements by moving the company's shares -0.76% to a price of $20.84. If you want to know more, read the company's complete 8-K report here.

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