Amerant Bancorp Inc. · NYSE:AMTB
Amerant Bancorp — Investor Presentation (May 2026)
35 slides from Amerant Bancorp's investor presentation, May 26, 2026
Slide 1: Investor Update
Investor Update May 26, 2026 NYSE: AMTB
Slide 2: Table of Contents
Being the bank of choice in the markets we serve. Table of Contents 3 About Us 10 Company Updates 15 Performance Updates 26 Supplemental Information 32 Appendix Investor Update | 1
Slide 3: Important Notices and Disclosures
Important Notices and Disclosures Forward-Looking Statements This presentation contains “forward-looking statements” including statements with respect to the Company’s objectives, expectations and intentions and other statements that are not historical facts. Examples of forward-looking statements i
Slide 4: About Us
About Us Investor Update | 3
Slide 5: About Us
About Us Financial and non-financial information provided here is as of March 31, 2026. Founded in 1979 History Completed IPO in December 2018 Rebranded as Amerant in June 2019 Team Members 699 FTEs Assets $9.9 billion Deposits $7.9 billion AUM $3.4 billion under management/custody Investor Update |
Slide 6: Our Investment Proposition
Our Investment Proposition Established franchise with high scarcity value; presence in attractive, high- growth markets of South Florida, Tampa and Central Florida Vertically-integrated platform to serve LATAM clients Strong and diverse deposit base; organic, relationship-first focus Company focus i
Slide 7: Our Mission, Vision, and Precepts
Our Mission, Vision, and Precepts Mission To provide our customers with the products, services and advice they need to achieve financial success, through our diverse, inclusive and motivated team that is personally involved with the communities we serve, all of which result in increased shareholder
Slide 8: Experienced Leadership Team
Experienced Leadership Team Carlos Iafigliola President, Chief Executive Officer and Director Carlos Iafigliola was appointed President, CEO and Director in May 2026 after having served as Interim CEO and Director since November 2025. He previously served as SEVP, Chief Operating Officer (COO) since
Slide 9: Experienced Leadership Team
Experienced Leadership Team Mike Nursey SEVP, Chief Domestic Banking Officer Mike Nursey serves as SEVP, Chief Domestic Banking Officer. In this role, he leads Commercial Banking, Corporate Banking, and Commercial Real Estate, while also assuming leadership of Retail, Private, and Business Banking.
Slide 10: Our Team
Our Team Workforce Demographics as of 12/31/25 Most Loved Workplace® released the 2025 America’s Top 100 Most Loved Workplaces®. The rankings, published in the Wall Street Journal, highlight 100 organizations across industries that are transforming employee experience and redefining workplace cultur
Slide 11: Company Updates
Company Updates Investor Update | 10
Slide 12: Executing Our Strategic Priorities
Executing Our Strategic Priorities Executing Strategic Plan: Our three priorities of stabilizing the business, optimizing our credit portfolio, and growing sustainably remain the same Enhancing Credit Quality: Improved loan portfolio monitoring and reviewing processes, leading to balanced portfolio
Slide 13: Key Updates
Key Updates On May 18, 2026, Carlos Iafigliola was appointed President and CEO of Amerant Bancorp Inc. and Amerant Bank, N.A.,. Carlos has provided strong and effective leadership as Interim CEO and has also served as CFO and COO since Amerant became a public company. He has deep knowledge of our bu
Slide 14: Digital Innovation
Digital Innovation Building on our FIS technology foundation, we are executing a secure, digital strategy that enables Amerant’s Relationship-First model, drive operational efficiency, and supports scalable, profitable growth. Deepen client relationships & revenue growth - Leverage improved data qua
Slide 15: Right-sizing partnerships to maximize impact
Right-sizing partnerships to maximize impact Unlocking the full potential of Sports Partnerships while prioritizing profitability Amerant Bank x Florida Panthers: A Championship Partnership Amerant Bank x Tampa Bay Rays: Expanding Our Presence in Tampa Amerant Bank x Miami Dolphins: A Touchdown on a
Slide 16: Performance Updates
Performance Updates Investor Update | 15
Slide 17: Key Performance Metrics
Key Performance Metrics (as of March 31, 2026) NIB Deposits/ Total Deposits Net Interest Margin 95.19% Efficiency Ratio 68.52% ROA Other Highlights 1Q26 Loan to deposit ratio was 85.07% compared to 86.01% in 4Q25 ROE Total deposits remained stable Tier 1 Capital Ratio All capital ratios substantiall
Slide 18: Deposit Composition
Deposit Composition (as of March 31, 2026) Deposit Composition ($ in millions, except for percentages) Domestic International Deposits Deposits 66% of Total Deposits 34% of Total Deposits Avg. account balance: Avg. account balance: $124,000 (2) $46,000 (2) (1) Brokered Deposits : There were $9 milli
Slide 19: Loan Composition
Loan Composition (as of March 31, 2026) Loan Composition (1) ($ in millions, except for percentages) $7,219 $7,189 $6,942 $6,697 $6,753 Loans by Domicile (1) Geographic Mix of Loans (1) 99.5% (1) 1Q26, 4Q25 and 1Q25 includes both mortgage loans held for sale carried at fair value and loans held for
Slide 20: Non-Performing Assets
Non-Performing Assets (as of March 31, 2026) Non-Performing Assets ($ in millions except for %) $186.9 $191.6 $140.7 $139.9 $97.9 Non-Performing Loans ($ in millions) $171.4 $176.1 $123.2 $124.3 $82.5 Investor Update | 19
Slide 21: Non-Performing Loans
Non-Performing Loans Highlights NPAs as of 1Q26 were $191.6 million, which includes $176.1 million in NPLs and $15.5 million in OREO. NPLs as of 1Q26 had the following composition: • $71.8 million had real estate collateral with a weighted avg. LTV of 73 % • $71.0 million were cashflow-dependent loa
Slide 22: Classified Loans
Classified Loans Highlights As of 1Q26 the Classified loans had the following composition: • $198.8 million had real estate collateral with a weighted avg. LTV of 64% • $84.7 million were cashflow-dependent loans • $10.8 million were ABL monitored loans • $9.4 million were secured with other non-rea
Slide 23: Special Mention Loans
Special Mention Loans Highlights As of 1Q26 the Special Mention loans had the following composition: • $147.2 million had real estate collateral with a weighted avg. LTV of 59% ($59.9 million were Classified as held-for-sale) • The remaining loans were smaller commercial loans QTD highlights: • 2 CR
Slide 24: Allowance for Credit Losses Composition
Allowance for Credit Losses Composition ($ in millions) ($ in thousands) NCO-to-Average Total Loans Ratio (% are annualized) Investor Relations | 23
Slide 25: Capital
Capital (as of March 31, 2026) Total Capital Ratio 14.16% Regulatory Minimum : 10.00% (1) Common Equity Tier 1 Capital (CET1) Ratio Regulatory Minimum (1): 6.50% 11.84% 9.02% TCE Ratio (2,3) TBV/Share (3) $22.38 Capital Allocation Strategy Class A Common Stock Repurchase Program YTD as of May 21, 20
Slide 26: Liquidity
Liquidity (as of March 31, 2026) Our standard liquidity management practices include: Semi-annual regular testing of lines of credit; satisfactory results have been obtained as of December 31, 2025 Daily monitoring of Federal Reserve Bank account balances as well as large fund providers Daily analys
Slide 27: Supplemental Information
Supplemental Information Investor Update | 26
Slide 28: Investment Portfolio and Net Interest Income and NIM
Investment Portfolio Fixed vs. Floating (2) Balances and Yields (1) DECEMBER 2025 MARCH 2026 ($ in millions) Expected Prepayments & Maturities Available for Sale Securities by Type ($ in millions) As of March 31, 2026, 100.0% of the Available for Sale portfolio consists of MBS issued or guaranteed b
Slide 29: Interest Rate Sensitivity
Interest Rate Sensitivity Impact on NII from Interest Rate Change (1) (2) As of March 31, 2026 Impact on AFS from Interest Rate Change (1) As of March 31, 2026 Expected pre-tax AOCL Improvement Loan Portfolio Details As of March 31, 2026 By Rate Type By Repricing Term By Interest Type By Floors (1)
Slide 30: CRE Loans Held for Investment - Detail; Credit Quality
CRE Loans Held for Investment - Detail Outstanding as of March 31, 2026 ($ in millions, except %) % Total % Total Income Land and CRE Type FL TX NY Other Total CRE Loans (1) Producing (2) Construction Retail $462 $10 $62 $26 $560 24.7% 8.5% $562 0 Multifamily 324 15 45 77 461 20.3% 7.0% 261 199 Offi
Slide 31: EPS Trend; New Banking Center Performance Update
EPS Trend Change in Diluted Earnings Per Common Share (1) Non-GAAP Financial Measure. See Appendix 1 for a reconciliation to GAAP. New Banking Center Performance Update ($ in millions) Total deposit and loan balances reflect Retail and Business Banking, Private Banking and International Banking (in-
Slide 32: Glossary
Glossary • ACL - Allowance for Credit Losses • MV - Market Value • AFS - Available for Sale • NCO - Net Charge-Offs • AOCL - Accumulated Other Comprehensive Loss • NII - Net Interest Income • AUM - Assets Under Management • NIM – Net Interest Margin • CET 1 - Common Equity Tier 1 capital ratio • NPA
Slide 33: Appendix
Appendix Investor Update | 32
Slide 34: Appendix 1 - Non-GAAP Financial Measures Reconciliation
Appendix 1 - Non-GAAP Financial Measures Reconciliation The following tables set forth selected financial information derived from the Company’s interim unaudited and annual audited consolidated financial statements, adjusted for certain items, including the provision for credit losses, income taxes
Slide 35: Thank You
Thank You NYSE: AMTB