Amerant Bancorp Inc. · NYSE:AMTB
Amerant Bancorp — Investor Presentation (September 2026)
35 slides from Amerant Bancorp's investor presentation, Sep 9, 2026
Slide 1: Investor Update
Investor Update September 9, 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 June 30, 2026. Founded in 1979 History Completed IPO in December 2018 Rebranded as Amerant in June 2019 Team Members 704 FTEs Assets $10.3 billion Deposits $8.4 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 Pedro Parra SEVP, Chief International Banking Officer Pedro Parra serves as SEVP, Chief International Banking Officer. In this role, he leads Amerant’s international banking platform, overseeing Private, Retail, Corporate and Commercial Banking, and Client Services. He is
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: Strategic Initiatives
Strategic Initiatives We are executing our Strategic Plan with conviction and momentum, stabilizing the business, optimizing our credit portfolio, and growing sustainably to deliver lasting shareholder value 1. Transform Credit • Completed credit policy reviews and enhanced portfolio management prac
Slide 13: Outlook
Outlook Balance Sheet • Total loans projected to reach $7.3 billion by 4Q26 • Total deposits projected to reach $9.1 billion by 4Q26, primarily driven by low-cost international deposit growth Income Statement • Net Interest Margin ("NIM") projected to be 3.50% for the remainder of the year • Project
Slide 14: Digital Innovation
Digital Innovation Building on our FIS technology foundation, we are executing a secure, digital strategy that enables Amerant’s Relationship-First model, drives operational efficiency, and supports scalable, profitable growth. Deepen client relationships & revenue growth - Leverage improved data qu
Slide 15: Right-sizing partnerships to maximize impact
Right-sizing partnerships to maximize impact Unlocking the full potential of Sports Partnerships while prioritizing profitability Amerant Bank x Florida Panthers: A Championship Partnership Amerant Bank x Tampa Bay Rays: Expanding Our Presence in Tampa Amerant Bank x Miami Dolphins: A Touchdown on a
Slide 16: Performance Updates
Performance Updates Investor Update | 15
Slide 17: Key Performance Metrics
Key Performance Metrics (as of June 30, 2026) NIB Deposits/ Total Deposits Net Interest Margin Efficiency Ratio ROA Other Highlights 2Q26 Loan to deposit ratio was 82.17% compared to 85.07% in 1Q26 ROE Total deposits remained stable Tier 1 Capital Ratio All capital ratios substantially above “well-c
Slide 18: Deposit Composition
Deposit Composition (as of June 30, 2026) Deposit Composition ($ in millions, except for percentages) Domestic International Deposits Deposits 61% of Total Deposits 39% of Total Deposits Avg. account balance: Avg. account balance: $120,000 (2) $56,000 (2) (1) Brokered Deposits : 2Q25 includes $635 m
Slide 19: Loan Composition
Loan Composition (as of June 30, 2026) Loan Composition (1) ($ in millions, except for percentages) $7,189 $6,942 $6,866 $6,697 $6,753 Loans by Domicile (1) Geographic Mix of Loans (1) 99.6% (1) 2Q26, 1Q26 and 4Q25 includes both mortgage loans held for sale carried at fair value and loans held for s
Slide 20: Non-Performing Assets
Non-Performing Assets (as of June 30, 2026) Non-Performing Assets ($ in millions except for %) $186.9 $191.6 $186.6 $139.9 $97.9 Non-Performing Loans ($ in millions) $176.1 $171.4 $171.1 $124.3 $82.5 Investor Update | 19
Slide 21: Non-Performing Loans
Non-Performing Loans Highlights NPAs were $186.6 million, which includes $171.1 million in NPLs and $15.5 million in OREO. As of 2Q26, the NPLs had the following composition: • $66.5 million had real estate collateral with a weighted avg. LTV of 63% • $66.7 million were cashflow-dependent loans • $1
Slide 22: Classified Loans
Classified Loans Highlights As of 2Q26 the Classified loans had the following composition: • $152.0 million had real estate collateral with a weighted avg. LTV of 60% • $85.2 million were cash flow-dependent loans • $12.4 million were secured with other non-real estate collateral types • The remaini
Slide 23: Special Mention Loans
Special Mention Loans Highlights As of 2Q26 the Special Mention loans had the following composition: • $108.1 million had real estate collateral with a weighted avg. LTV of 63% • The remaining loans were smaller commercial loans ($ in millions) $(54.1) Investor Update | 22
Slide 24: Allowance for Credit Losses Composition
Allowance for Credit Losses Composition ($ in millions) ($ in thousands) (1) Includes ACL on purchased seasoned loans ("PSLs"). See Glossary for more details on the Company's early adoption of ASU 2025-08. NCO-to-Average Total Loans Ratio (% are annualized) Investor Relations | 23
Slide 25: Capital
Capital (as of June 30, 2026) Total Capital Ratio 14.34% Regulatory Minimum : 10.00% (1) Common Equity Tier 1 Capital (CET1) Ratio Regulatory Minimum (1): 6.50% 11.94% 8.69% TCE Ratio (2,3) TBV/Share (3) $22.78 Capital Allocation Strategy Class A Common Stock Repurchase Program As of June 30, 2026,
Slide 26: Liquidity
Liquidity (as of June 30, 2026) Our standard liquidity management practices include: Semi-annual regular testing of lines of credit; satisfactory results have been obtained as of June 30, 2026 Daily monitoring of Federal Reserve Bank account balances as well as large fund providers Daily analysis of
Slide 27: Supplemental Information
Supplemental Information Investor Update | 26
Slide 28: Investment Portfolio and Net Interest Income
Investment Portfolio Fixed vs. Floating (2) Balances and Yields (1) March 2026 June 2026 Expected Prepayments & Maturities Available for Sale Securities by Type ($ in millions) As of June 30, 2026, 100.0% of the Available for Sale portfolio consists of MBS issued or guaranteed by Government agencies
Slide 29: Interest Rate Sensitivity
Interest Rate Sensitivity Impact on NII from Interest Rate Change (1) (2) As of June 30, 2026 Impact on AFS from Interest Rate Change (1) Expected pre-tax AOCL As of June 30, 2026 Improvement Loan Portfolio Details As of June 30, 2026 By Rate Type By Repricing Term By Interest Type By Floors (1) NII
Slide 30: CRE Loans Held for Investment - Detail
CRE Loans Held for Investment - Detail Outstanding as of June 30, 2026 ($ in millions, except %) % Total % Total Income Land and CRE Type FL TX NY Other Total CRE Loans (1) Producing (2) Construction Retail $514 $10 $60 $26 $610 26.8% 9.0% $610 0 Multifamily 296 58 44 62 460 20.2% 6.9% 234 226 Offic
Slide 31: EPS Trend
EPS Trend Change in Diluted Earnings Per Common Share (1) Non-GAAP Financial Measure. See Appendix 1 for a reconciliation to GAAP. Investor Update | 30
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: 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
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