AMERANT BANK, NATIONAL ASSOCIATION

CORAL GABLES, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1979FDIC #22,953

Satisfactory Down

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Website

www.amerantbank.com

Address

220 Alhambra Cir, CORAL GABLES, FL

County

Miami-Dade County

Established

September 17, 1979

Total Assets

$9.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 14, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.9B

Total Deposits

$7.9B

Net Loans

$6.7B

Net Income

$21M

ROA

0.87%

Below avg for Community banks. Peer avg: 0.90%

ROE

8.78%

Risk-Based Capital

13.88%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.87%Peer avg: 0.90%▼ Below avg

Risk-Based Capital13.88%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate36.32%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$8.3B

1-Year Change

-5

5-year net change: -7 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	749	53.4%	36.32%
2023	873	57.73%	31.84%
2022	1,310	57.1%	34.66%
2021	1,121	52.01%	36.93%
2020	1,311	49.96%	36.84%
2019	1,032	42.25%	45.16%
2018	1,262	45.4%	43.58%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2025	Satisfactory	Large Bank
Jun 2022	Outstanding	Large Bank
Jun 2019	Outstanding	Large Bank

9 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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