The bank's capital structure has undergone a major shift, with the equity-to-assets ratio rising to 0.34 in 2026Q1 following a significant reduction in the total asset base to $2.7 billion.
| Cash & Short Term Investments | 6.31B | 2.5B | 2B | 1.51B | 1.31B | 1.45B | 1.44B | 1.69B | 1.67B | 1.84B | 2.26B |
| Cash & Due from Banks | 188.71M | 470.15M | 565.99M | 296.02M | 248.44M | 274.21M | 214.39M | 121.32M | 85.71M | 153.44M | 134.99M |
| Short Term Investments | 2.37B | 2.02B | 1.44B | 1.22B | 1.06B | 1.18B | 1.23B | 1.57B | 1.59B | 1.69B | 2.12B |
| Total Investments | 2.37B | 8.65B | 8.63B | 8.62B | 8.15B | 6.79B | 7.04B | 7.36B | 7.53B | 7.78B | 7.81B |
| Investments Growth % | -70.8% | 0.22% | 0.12% | 5.75% | 19.96% | -3.52% | -4.34% | -2.27% | -3.18% | -0.38% | - |
| Long-Term Investments | 24.48B | 6.62B | 7.19B | 7.4B | 7.09B | 5.62B | 5.81B | 5.79B | 5.94B | 6.09B | 5.68B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 156.01M | 92.5M | 93.77M | 66.89M | 73.65M | 73.08M | 70.03M |
| Goodwill & Intangibles | 0 | 19.19M | 19.19M | 19.19M | 19.51M | 19.51M | 19.51M | 19.51M | 19.19M | 19.19M | 19.19M |
| Goodwill | 0 | 19.19M | 19.19M | 19.19M | 19.51M | 19.51M | 19.51M | 19.51M | 19.19M | 19.19M | 19.19M |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 108.98M | 110.59M | 131.84M | 162.09M | 181.76M | 179M | 109.99M | 128.82M | 123.5M | 129.36M | 148.71M |
| Other Assets | 0 | 496.13M | 505.16M | 567.3M | 326.15M | 270.5M | 282.56M | 284.79M | 276.33M | 270.25M | 224.35M |
| Total Current Assets | 2.56B | 2.5B | 2B | 1.51B | 1.46B | 1.54B | 1.53B | 1.76B | 1.75B | 1.91B | 2.33B |
| Total Non-Current Assets | 151.51M | 7.28B | 7.9B | 8.2B | 7.67B | 6.1B | 6.24B | 6.23B | 6.38B | 6.52B | 6.11B |
| Total Assets | 2.71B | 9.78B | 9.9B | 9.72B | 9.13B | 7.64B | 7.77B | 7.99B | 8.12B | 8.44B | 8.43B |
| Asset Growth % | -68.03% | -1.26% | 1.91% | 6.45% | 19.5% | -1.7% | -2.69% | -1.71% | -3.7% | 0.03% | - |
| Return on Assets (ROA) | 0.7% | 0.53% | -0.16% | 0.34% | 0.76% | 1.47% | -0.02% | 0.64% | 0.55% | 0.51% | 0.28% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 69.23M | 53.05M |
| Total Debt | 0 | 1.04B | 1B | 921.33M | 1.2B | 1.07B | 1.17B | 1.33B | 1.28B | 1.29B | 1.1B |
| Net Debt | -188.71M | 570.71M | 438.72M | 625.3M | 950.86M | 795.04M | 958.37M | 1.21B | 1.2B | 1.14B | 964.12M |
| Long-Term Debt | 0 | 923.41M | 838.8M | 798.16M | 1.06B | 932.65M | 1.17B | 1.33B | 1.28B | 1.29B | 1.05B |
| Short-Term Debt | 0 | 0 | 59.84M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50M |
| Other Liabilities | 0 | 2.01B | 151.96M | 164.07M | 178.57M | 106.41M | 83.07M | 66.31M | 60.13M | 0 | 0 |
| Total Current Liabilities | 0 | 5.79B | 7.91B | 7.89B | 7.04B | 5.63B | 5.73B | 5.76B | 6.03B | 6.39B | 6.68B |
| Total Non-Current Liabilities | 0 | 3.05B | 1.1B | 1.09B | 1.38B | 1.18B | 1.26B | 1.39B | 1.34B | 1.29B | 1.05B |
| Total Liabilities | 8.99B | 8.84B | 9.01B | 8.98B | 8.42B | 6.81B | 6.99B | 7.15B | 7.38B | 7.68B | 7.73B |
| Total Equity | 913.92M | 938.8M | 890.47M | 736.07M | 705.73M | 831.87M | 783.42M | 834.7M | 747.42M | 753.45M | 704.74M |
| Equity Growth % | 36.8% | 5.43% | 20.98% | 4.3% | -15.16% | 6.18% | -6.14% | 11.68% | -0.8% | 6.91% | - |
| Equity / Assets (Capital Ratio) | 33.72% | 9.6% | 8.99% | 7.58% | 7.73% | 10.89% | 10.08% | 10.45% | 9.2% | 8.93% | 8.36% |
| Return on Equity (ROE) | 6.27% | 5.73% | -1.94% | 4.51% | 8.23% | 13.98% | -0.21% | 6.49% | 6.11% | 5.91% | 3.35% |
| Book Value per Share | 22.56 | 22.84 | 24.90 | 21.86 | 20.67 | 22.17 | 18.77 | 19.44 | 17.59 | 21.58 | 20.18 |
| Tangible BV per Share | 22.56 | 22.37 | 24.37 | 21.29 | 20.10 | 21.65 | 18.30 | 18.98 | 17.14 | 21.03 | 19.63 |
| Common Stock | 3.98M | 4.06M | 4.21M | 3.36M | 3.38M | 3.59M | 3.79M | 4.67M | 4.46M | 4.25M | 12.75M |
| Additional Paid-in Capital | 0 | 316.07M | 343.83M | 192.7M | 194.69M | 262.51M | 305.57M | 419.05M | 385.37M | 367.5M | 359.01M |
| Retained Earnings | 633.72M | 619.55M | 582.23M | 610.8M | 590.38M | 553.17M | 442.4M | 444.12M | 393.66M | 387.83M | 343.68M |
| Accumulated OCI | -21.28M | -875K | -39.81M | -70.8M | -80.64M | 15.22M | 31.66M | 13.23M | -18.16M | -6.13M | -10.7M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -46.37M | -17.91M | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE concentration and liquidity
As reported in recent financial statements, Amerant's total assets declined from $10.4 billion in 2025Q3 to $2.7 billion in 2026Q1, a sharp contraction that suggests a fundamental shift in the bank's balance sheet strategy rather than organic growth or standard seasonal fluctuations.
The dramatic reduction in total assets indicates that the bank may be aggressively shedding legacy exposures or undergoing a significant restructuring of its balance sheet. Investors should monitor whether this shrinkage is a deliberate move to improve capital ratios or a forced reaction to liquidity constraints within its international deposit base.
Based on the reported figures, the equity-to-assets ratio shifted from 0.09 in 2025Q3 to 0.34 in 2026Q1, which appears to reflect a significant deleveraging event that may temporarily bolster regulatory capital metrics at the expense of overall earning power.
While the higher equity-to-assets ratio suggests a more conservative capital position, it also implies that the bank is operating with a much smaller asset base to support its fixed cost structure. This transition warrants further investigation into whether the bank can maintain its profitability targets with a significantly reduced scale.
According to quarterly filings, cash and bank balances fluctuated from $624.0 million in 2025Q3 to $188.7 million in 2026Q1, indicating that the bank's liquidity profile remains highly sensitive to the lumpy nature of its international deposit flows.
The reduction in liquid assets suggests that the bank may be utilizing its cash reserves to manage the recent balance sheet contraction or to meet sudden deposit outflows. This volatility highlights the inherent risk in relying on a specialized, non-domestic deposit base that may not behave like traditional retail funding during periods of stress.
As evidenced by the 2026Q1 data, the bank holds $2.4 billion in investment securities against a total asset base of $2.7 billion, a concentration that suggests the balance sheet is now heavily weighted toward fixed-income instruments rather than core lending activities.
This high concentration in securities implies that the bank's future net interest income will be increasingly driven by the duration and yield of its investment portfolio rather than its commercial loan book. Such a shift may expose the bank to significant interest rate risk if the yield curve does not evolve in line with management's expectations.
Quick answers to the most common questions about buying AMTB stock.
As of 2025, Amerant Bancorp Inc. (AMTB) had total assets of $9.78B including $2.50B in current assets.
Amerant Bancorp Inc. (AMTB) carries total debt of $1.04B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Amerant Bancorp Inc. (AMTB) has total shareholders' equity (book value) of $938.8M ($22.84 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Amerant Bancorp Inc. (AMTB) reported a current ratio of 0.43x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.