Amerant Bancorp is a Florida-focused bank holding company headquartered in Coral Gables, operating through its subsidiary Amerant Bank across 23 banking centers concentrated in South Florida and the Tampa area. Amerant serves two distinct customer bases: domestic Florida consumers and businesses, receiving standard commercial and retail banking services including CRE and C&I loans, deposits, and treasury management; and international Latin American clients, primarily Venezuelan, who receive private banking, wealth management, and investment services through a bilingual, vertically integrated platform spanning deposits, brokerage, and trust. The international franchise holds roughly $2B in deposits across close to 50,000 customers, served largely through remote digital channels. Amerant earns primarily through net interest income, with fee income from its wealth management unit, Amerant Investments, contributing a growing share — Amerant Investments manages approximately $3.3B in AUM. Amerant is winding down its national mortgage origination business and shifting to an in-footprint mortgage model. The bank intentionally reduced its balance sheet below $10B at year-end 2025 to avoid the regulatory and cost burdens of crossing that threshold prematurely. Near-term management priorities include resolving elevated credit losses, cutting quarterly expenses toward a $67M–$68M run rate, and expanding the Florida footprint into West Palm Beach, Tampa, and St. Petersburg. Management targets approximately 1% ROA and a ~60% efficiency ratio for 2026, improving further through 2027–2028.