Amerant Bancorp Inc-A 2024年度报告

FORM10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year endedDecember 31, 2024OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from__________ to __________Commission File Number001-38534 Amerant Bancorp Inc.(Exact Name of Registrant as Specified in Its Charter) Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.Yes☐No☒ Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d) of the Act.Yes☐No☒ Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or forsuch shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of thischapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See thedefinitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☐Accelerated filer☒Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accountingstandards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting underSection 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an errorto previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s executiveofficers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ The aggregate market value of the Class A common stock held by non-affiliates of the registrant, based on the closing price of a share of the registrant’s common stock on June 30, 2024 asreported by the NASDAQ Global Select Market on such date, was approximately $666.9million. The number of shares outstanding of the registrant’s classes of common stock as of February27, 2025:Common Stock Class A, par value $0.10 per share,41,920,381shares DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant’s definitive proxy statement pursuant to Regulation 14A for the 2025 Annual Meeting of Shareholders, to be filed within 120 days of the registrant’s fiscal year end,are incorporated by reference into Part III hereof. AMERANT BANCORP INC. FORM 10-K December31, 2024 TABLE OF CONTENTS PART IItem 1.Business4Supp. ItemInformation about our Executive Officers35Item 1A.Risk Factors38Item 1B.Unresolved Staff Comments64Item 1C.Cybersecurity65Item 2.Properties67Item 3.Legal Proceedings68Item 4.Mine Safety Disclosures68PART IIItem 5.Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecurities69Item 6.Reserved71Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations72Item 7A.Quantitative and Qualitative Disclosures about Market Risk142Item 8.Financial Statements and Supplementary Data147Item 9.Changes in and Disagreements With Accountants on Accounting and Financial Disclosure147Item 9A.Controls and Procedures147Item 9B.Other Information148Item 9C.Disclosure Regarding Foreign Jurisdictions That Prevent Inspections149PART IIIItem 10.Directors, Executive Officers and Corporate Governance150Item 11.Executive Compensation150Item 12.Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters150Item 13.Certain Relationships and Related Transactions, and Director Independence150Item 14.Principal Accountant Fees and Services151PART IVItem 15.Exhibit and Financial Statement Sched