Amerant Bancorp Inc-A 2026年季度报告

FORM 10-Q (Mark One)☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended March 31, 2026 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from __________ to __________ Commission File Number: 001-38534 Amerant Bancorp Inc.(Exact name of registrant as specified in its charter) Florida (Address of principal executive offices) 460-4728 (Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: 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 12months(or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of RegulationS-T (§232.405 of thischapter) during the preceding 12months (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. Seethe definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule12b-2 of the Exchange Act. 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 is a shell company (as defined in Rule12b-2 of the Exchange Act). Yes☐ Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date. Outstanding as of April 30, 202639,354,839 shares of Class A Common Stock AMERANT BANCORP INC. AND SUBSIDIARIES FORM 10-Q March31, 2026 INDEX PART I.FINANCIAL INFORMATIONItem 1Financial Statements3Consolidated Balance Sheets as of March 31, 2026 (Unaudited) and December 31, 20253Consolidated Statements of Operations and Comprehensive Income for the three months ended March 31, 2026 and 2025(Unaudited)4Consolidated Statements of Changes in Stockholders’ Equity for the three months ended March 31, 2026 and 2025 (Unaudited)6Consolidated Statements of Cash Flows for the three months ended March 31, 2026 and 2025 (Unaudited)8Notes to Interim Consolidated Financial Statements (Unaudited)9Item 2Management’s Discussion and Analysis of Financial Condition and Results of Operations49Cautionary Notice Regarding Forward-Looking Statements49Overview52Results of Operations60Financial Condition75Item 3Quantitative and Qualitative Disclosures About Market Risk97Item 4Controls and Procedures100PART IIOTHER INFORMATIONItem 1Legal Proceedings101Item 1ARisk Factors101Item 2Unregistered Sales of Equity Securities and Use of Proceeds102Item 3Defaults Upon Senior Securities102Item 4Mine Safety Disclosures103Item 5Other Information103Item 6Exhibits104Signatures105 Part 1. FINANCIAL INFORMATION Amerant Bancorp Inc. and SubsidiariesConsolidated Balance Sheets Table of Contents The accompanying notes are an integral part of these consolidated financial statements (unaudited). Table of Contents (in thousands, except per share data) The accompanying notes are an integral part of these consolidated financial statements (unaudited). Table of Contents Amerant Bancorp Inc. and SubsidiariesConsolidated Statements of Changes in Stockholders’ Equity (Unaudited)Three Months Ended March31, 2026 Table of Contents Amerant Bancorp Inc. and SubsidiariesConsolidated Statements of Changes in Stockholders’ Equity (Unaudited)Three Months Ended March 31, 2025 Table of Contents Amerant Bancorp Inc. and SubsidiariesConsolidated Statements of Cash Flows (Unaudited) Table of Contents Amerant Bancorp Inc. and SubsidiariesNotes to Interim Consolidated Financial Statements (Unaudited) 1.Business, Basis of Presentation and Summary of Significant Accounting Policies a) Business Amerant Bancorp Inc. (the “Company”) is a Florida corporation incorporated in 1985, which has operated since January1987. TheCompany is a bank holding company registered under the Bank Holding Company Act of 1956 (“BHC Act”), as a result of its 100%ownership of Amerant Bank, N.A. (the “Bank”). The Company’s principal office is in the City of Coral Gables, FL. The Bank is a memberof the Federal Deposit Insurance Corporation (“FDIC”), the Federal Reserve Bank of Atlanta (“Federal Reserve”) and the Federal HomeLoan Bank of Atlanta (“FHLB”). The Bank is a national bank subject t