# EDGAR Filing Document

**Accession Number:** 0001734342
**File Stem:** 0001734342-26-000033
**Filing Date:** 2026-4
**Character Count:** 99279
**Document Hash:** 5dfd9e65338755b2001f7f5ffc162a43
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001734342-26-000033.hdr.sgml**: 20260423

**ACCESSION NUMBER**: 0001734342-26-000033

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 51

**CONFORMED PERIOD OF REPORT**: 20260423

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Other Events

**FILED AS OF DATE**: 20260423

**DATE AS OF CHANGE**: 20260423

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Amerant Bancorp Inc.
- **CENTRAL INDEX KEY:** 0001734342
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 650032379
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-38534
- **FILM NUMBER:** 26889138

**BUSINESS ADDRESS:**
- **STREET 1:** 220 ALHAMBRA CIRCLE
- **CITY:** CORAL GABLES
- **STATE:** FL
- **ZIP:** 33134
- **BUSINESS PHONE:** (305)460-4038

**MAIL ADDRESS:**
- **STREET 1:** 220 ALHAMBRA CIRCLE
- **CITY:** CORAL GABLES
- **STATE:** FL
- **ZIP:** 33134

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Mercantil Bank Holding Corp
- **DATE OF NAME CHANGE:** 20180312

?xml version='1.0' encoding='ASCII'? amtb-20260423

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM 8-K** 

**CURRENT REPORT**

**PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

**Date of Report (Date of earliest event reported): April 23, 2026**![amerantimagea03.jpg](amtb-20260423_g1.jpg)

**Amerant Bancorp Inc.** 

**(Exact name of registrant as specified in its charter)** 

---

| | | |
|:---|:---|:---|
| **Florida** | **001-38534** | **65-0032379** |
| **(State or other jurisdiction<br>of incorporation** | **(Commission<br>file number)** | **(IRS Employer<br>Identification Number)** |

---

---

| | |
|:---|:---|
| **220 Alhambra Circle** | |
| **Coral Gables, Florida** | **33134** |
| **(Address of principal executive offices)** | **(Zip Code)** |
| **(305) 460-8728** <br>**&nbsp;&nbsp;&nbsp;&nbsp; (Registrant's telephone number, including area code)** | **(305) 460-8728** <br>**&nbsp;&nbsp;&nbsp;&nbsp; (Registrant's telephone number, including area code)** |

---

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

<u>Title of each class</u> <u>Trading Symbols</u> <u>Name of exchange on which registered</u> <br> Class A Common Stock AMTB New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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 accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 2.02 Results of Operations and Financial Condition**

On April 23, 2026, Amerant Bancorp Inc. (the "Company") issued a press release to report the Company's financial results for the fiscal quarter March 31, 2026. The press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference to this Item 2.02.

In accordance with General Instruction B.2. of Form 8-K, the information in this Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, is being "furnished" and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such filing.

**Item 7.01 Regulation FD Disclosure**

On April 24, 2026, the Company will hold a live audio webcast to discuss its financial results for the fiscal quarter ended March 31, 2026. In connection with the webcast, the Company is furnishing to the U.S. Securities and Exchange Commission the earnings slide presentation attached as Exhibit 99.2 to this Current Report on Form 8-K and incorporated by reference to this Item 7.01.

In accordance with General Instruction B.2 of Form 8-K, the information in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2 attached hereto, is being "furnished" and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such a filing.

**Item 8.01 Other Events**

On April 23, 2026, the Company also issued a press release announcing that the Company's Board of Directors (the "Board") declared a cash dividend of $0.09 per share of its Class A common stock. The dividend is payable on May 29, 2026, to shareholders of record at the close of business on May 15, 2026.

A copy of the press release is attached as Exhibit 99.3 to this Current Report on Form 8-K.

**Item 9.01 Financial Statements and Exhibits** 

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| | |
|:---|:---|
| **<u>Number</u>** | **<u>Exhibit</u>** |
| 99.1 | <u>[Press Release of Amerant Bancorp Inc., dated April 23, 2026](amerant1q2026earningsrelea.htm)</u> |
| 99.2 | <u>[Earnings slide presentation of Amerant Bancorp Inc., dated](meidmasterearningsdeck03.htm)[April 24, 2026](meidmasterearningsdeck03.htm)</u> |
| 99.3 | <u>[Press Release of Amerant Bancorp Inc., dated April 23, 2026](amerantdividenddeclaration.htm)</u> |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| Date: April 23, 2026 | Amerant Bancorp Inc. | Amerant Bancorp Inc. |
|  | By: | /s/ Julio V. Pena |
|  |  | Name: Julio V. Pena |
|  |  | Title: Executive Vice President, <br>Associate General Counsel and Corporate Secretary |

---

## Exhibit 99.1

![amntrgba33.jpg](amntrgba33.jpg)

---

| |
|:---|
| &nbsp;&nbsp;**CONTACTS:** |
| Investors |
| &nbsp;&nbsp;Laura Rossi |
| InvestorRelations@amerantbank.com |
| (305) 460-8728 |
| &nbsp;&nbsp;Media |
| &nbsp;&nbsp;Alexis Dominguez |
| MediaRelations@amerantbank.com |
| (305) 441-8412 |

---

**AMERANT REPORTS FIRST QUARTER 2026 RESULTS** 

**CORAL GABLES, FLORIDA, April 23, 2026.** Amerant Bancorp Inc. (NYSE: AMTB) (the "Company" or "Amerant") today reported net income attributable to the Company of $17.9 million in the first quarter of 2026, or $0.44 earnings per diluted share, compared to net income of $2.7 million, or $0.07 earnings per diluted share, in the fourth quarter of 2025.

"Amerant's first quarter results reflect continued momentum in executing our strategic plan as we strengthen credit quality and position the bank for sustainable, long-term growth," stated Carlos Iafigliola, SEVP and Interim CEO. "During the quarter, we demonstrated proactive credit risk management, which led to balanced portfolio actions. We also continued to optimize our loan portfolio, including exiting certain large-exposure, out-of-footprint and criticized loans. In addition, we've maintained our focus on operational efficiency, delivering net income in line with our guidance, primarily driven by better than expected cost-savings and strong growth in lower-cost international deposits."

Mr. Iafigliola concluded, "We are keenly focused on the long-term health of the business and demonstrating our ongoing commitment to stability and predictability. With strong fundamentals, a clear path forward, and a highly capable team, we are confident in our ability to deliver sustainable value for our customers, communities, and shareholders."

Below are the results for 1Q26 and their comparison to 4Q25:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total assets were $9.9 billion, up by $126.5 million, or 1.3%, compared to $9.8 billion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total gross loans, which includes all loans held for sale, were $6.8 billion, up by $56.5 million, or 0.8%, compared to $6.7 billion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cash and cash equivalents were $188.7 million, down by $281.5 million, or 59.9%, compared to $470.2 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Investment securities were $2.4 billion, up by $346.3 million, or 16.6%, compared to $2.1 billion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total deposits were $7.9 billion, up by $152.2 million, or 2.0%, compared to $7.8 billion.

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![amntrgba33.jpg](amntrgba33.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Core deposits were $5.9 billion, up by $100.8 million, or 1.7%, compared to $5.8 billion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total advances from the Federal Home Loan Bank ("FHLB") were $732.3 million, up by $20.3 million, or 2.8%, compared to $712.0 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net Interest Margin ("NIM") was 3.55%, compared to 3.78%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Average yield on loans was 6.38%, compared to 6.73%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Average cost of total deposits was 2.31%, compared to 2.34%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan to deposit ratio was 85.07%, compared to 86.01%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset Quality and Allowance for Credit Losses ("ACL"):

–Total non-performing assets were $191.6 million, up by $4.7 million, or 2.5%, compared to $186.9 million. As of 1Q26, non-performing assets consist of $176.1 million in non-performing loans and $15.5 million in Other Real Estate Owned ("OREO").

–The ACL was $79.2 million compared to $79.3 million.

–Classified loans were $320.3 million, down by $34.6 million, or 9.7%, compared to $354.8 million, while non-performing loans were $176.1 million, up $4.7 million, or 2.7%, compared to $171.4 million. The reduction in classified loans was primarily attributable to loan payoffs and sales of loans that had been classified as held for sale in the prior quarter. Special mention loans were $148.2 million, up $11.8 million, or 8.6%, compared to $136.5 million. The increase was primarily driven by downgrades while largely offset by upgrades during the period.

–The Company has provided additional details regarding asset quality in the 1Q26 earnings presentation (https://investor.amerantbank.com).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assets Under Management and custody ("AUM") totaled $3.4 billion, up by $148.6 million, or 4.6% from $3.3 billion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pre-tax pre-provision net revenue ("PPNR")<sup>(1)</sup> was $30.7 million, up by $25.3 million, or 469.6%, compared to PPNR of $5.4 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net Interest Income ("NII") was $80.3 million, down by $9.9 million, or 11.0%, from $90.2 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Provision for credit losses was $7.8 million, up by $4.3 million, or 123.5%, compared to $3.5 million.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Noninterest income was $17.4 million, down by $4.6 million, or 21.1%, from $22.0 million. Noninterest income this quarter includes realized gains on the sale of available-for-sale securities of $0.5 million, while noninterest income in the fourth quarter included a gain of $3.3 million on the sale and leaseback of two banking centers and $2.2 million in realized gains on the sale of available-for-sale securities.

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![amntrgba33.jpg](amntrgba33.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Noninterest expense was $66.9 million, down by $39.9 million, or 37.3%, from $106.8 million. Noninterest expense this quarter includes $3.3 million in savings in vendor contract renegotiations, $1.7 million in a write-down of an equity investment carried at cost and $1.8 million in net losses on loans held for sale, while noninterest expense in the fourth quarter included $14.9 million in losses on loans held for sale, $7.5 million in contract termination costs, $3.8 million in staff separation costs, $2.5 million in an impairment charge on an investment carried at cost, and $0.5 million in an intangible asset impairment related to the downsizing of Amerant Mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The efficiency ratio was 68.52%, compared to 95.19%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Return on average assets ("ROA") was 0.73%, compared to 0.10%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Return on average equity ("ROE") was 7.63%, compared to 1.12%.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Company repurchased an aggregate of 859,493 shares of Class A common stock at a weighted average price of $21.77 per share, or 0.97x of Tangible Book Value ("TBV")<sup>(1)</sup> and 0.95x of book value per share. The aggregate purchase price for these transactions was approximately $18.7 million which includes transaction costs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On April 22, 2026, the Company's Board of Directors declared a cash dividend of $0.09 per share of common stock. The dividend is payable on May 29, 2026, to shareholders of record on May 15, 2026.

Additional details on the first quarter 2026 results can be found in the Exhibits and Glossary of Terms and Definitions to this earnings release, and the earnings presentation available under the Investor Relations section of the Company's website at https://investor.amerantbank.com. See Glossary of Terms and Definitions for definitions of financial terms.

<sup>1</sup> Non-GAAP measure, see "Non-GAAP Financial Measures" for more information and Exhibit 2 for a reconciliation to GAAP measures.

**First Quarter 2026 Earnings Conference Call**

The Company will hold an earnings conference call on Friday, April 24, 2026 at 9:00 a.m. (Eastern Time) to discuss its first quarter 2026 results. The conference call and presentation materials can be accessed via webcast by logging on from the Investor Relations section of the Company's website at https://investor.amerantbank.com. The online replay will remain available for approximately one month following the call through the above link.

**About Amerant Bancorp Inc. (NYSE: AMTB)**

Amerant Bancorp Inc. is a bank holding company headquartered in Coral Gables, Florida since 1979. The Company operates through its main subsidiary, Amerant Bank, N.A. (the "Bank"), as well as its other subsidiary Amerant Investments, Inc. The Company provides individuals and businesses with deposit, credit and wealth management services. The Bank, which has operated for over 45 years, is headquartered in Florida and has a network of 23 banking centers – 21 in South Florida and 2 in Tampa, Florida. For more information, visit investor.amerantbank.com.

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![amntrgba33.jpg](amntrgba33.jpg)

**Cautionary Notice Regarding Forward-Looking Statements** 

This press release contains "forward-looking statements" including statements with respect to the Company's objectives, expectations and intentions and other statements that are not historical facts. Examples of forward-looking statements include but are not limited to: our future operating or financial performance, including revenues, expenses, expense savings, income or loss and earnings or loss per share, and other financial items; statements regarding expectations, plans or objectives for future operations, products or services, and our expectations on loan recoveries, or reaching positive resolutions on problem loans, or significantly reducing special mention and/or non-performing loans. All statements other than statements of historical fact are statements that could be forward-looking statements. You can identify these forward-looking statements through our use of words such as "may," "will," "anticipate," "assume," "should," "indicate," "would," "believe," "contemplate," "expect," "estimate," "continue," "plan," "point to," "project," "could," "intend," "target," "goals," "outlooks," "modeled," "dedicated," "create," and other similar words and expressions of the future.

Forward-looking statements, including those relating to our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions, involve known and unknown risks, uncertainties and other factors, which may be beyond our control, and which may cause the Company's actual results, performance, achievements, or financial condition to be materially different from future results, performance, achievements, or financial condition expressed or implied by such forward-looking statements. You should not rely on any forward-looking statements as predictions of future events. You should not expect us to update any forward-looking statements, except as required by law. All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, together with those risks and uncertainties described in "Risk factors" in our annual report on Form 10-K for the fiscal year ended December 31, 2025 filed on February 27, 2026 ("the 2025 Form 10-K"), and in our other filings with the U.S. Securities and Exchange Commission (the "SEC"), which are available at the SEC's website www.sec.gov.

**Interim Financial Information**

Unaudited financial information as of and for interim periods, including the three month periods ended March 31, 2026, December 31, 2025 and March 31, 2025, may not reflect our results of operations for our fiscal year ending, or financial condition, as of December 31, 2026, or any other period of time or date.

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![amntrgba33.jpg](amntrgba33.jpg)

**Non-GAAP Financial Measures**

The Company supplements its financial results that are determined in accordance with accounting principles generally accepted in the United States of America ("GAAP") with non-GAAP financial measures, such as "pre-tax pre-provision net revenue (PPNR)", "tangible common equity ratio", and "tangible stockholders' equity (book value) per common share". This supplemental information is not required by, or is not presented in accordance with GAAP. The Company refers to these financial measures and ratios as "non-GAAP financial measures".

We use certain non-GAAP financial measures, including those mentioned above, both to explain our results to shareholders and the investment community and in the internal evaluation and management of our business. Management believes that these supplementary non-GAAP financial measures and the information they provide are useful to investors since these measures permit investors to view our performance using the same tools that our management uses to evaluate our past performance and prospects for future performance. While we believe that these non-GAAP financial measures are useful in evaluating our performance, this information should be considered as supplemental and not as a substitute for or superior to the related financial information prepared in accordance with GAAP. Additionally, these non-GAAP financial measures may differ from similar measures presented by other companies.

Exhibit 2 reconciles these non-GAAP financial measures to GAAP reported results.

Beginning in the first quarter of 2026, the Company reviewed and updated its use of non-GAAP financial measures and now presents a limited set of metrics that management uses to evaluate performance and make operating decisions. As part of this update, the Company discontinued the presentation of "Core PPNR", "core noninterest income", "core noninterest expense", "core net income", "core earnings per share (basic and diluted)", "core return on assets (Core ROA)", "core return on equity (Core ROE)", and "core efficiency ratio" as management determined these measures are no longer primary metrics used internally. This change does not reflect any change in the Company's underlying business, operations, or GAAP financial results.

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![amntrgba33.jpg](amntrgba33.jpg)

**Exhibit 1- Selected Financial Information**

The following table sets forth selected financial information derived from our interim unaudited and annual audited consolidated financial statements.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(in thousands)* | **March 31, 2026** | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** |
| **Consolidated Balance Sheets** |  | (audited) |  |  |  |
| &nbsp;&nbsp;Total assets | $9903514 | $9777018 | $10410199 | $10334678 | $10169688 |
| &nbsp;&nbsp;Total investments | 2430884 | 2084569 | 2307701 | 1970888 | 1761678 |
| Total gross loans <sup>(1)</sup> | 6753781 | 6697235 | 6941792 | 7189196 | 7219162 |
| &nbsp;&nbsp;Allowance for credit losses | 79236 | 79276 | 94918 | 86519 | 98266 |
| &nbsp;&nbsp;Total deposits | 7939101 | 7786934 | 8300969 | 8306544 | 8154978 |
| Core deposits <sup>(1)</sup> | 5891689 | 5790895 | 6203038 | 6143625 | 5993055 |
| &nbsp;&nbsp;Advances from the Federal Home Loan Bank | 732263 | 711984 | 831699 | 765000 | 715000 |
| Senior notes |  |  |  |  | 59922 |
| &nbsp;&nbsp;Subordinated notes | 29837 | 29795 | 29752 | 29710 | 29667 |
| &nbsp;&nbsp;Junior subordinated debentures | 64178 | 64178 | 64178 | 64178 | 64178 |
| Stockholders' equity | 913918 | 938802 | 944940 | 924286 | 906263 |
| Assets under management and custody <sup>(1)</sup> | 3405338 | 3256754 | 3169514 | 3065020 | 2932602 |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| *(in thousands, except percentages, share data and per share amounts)* | **March 31, 2026** | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** |
| **Consolidated Results of Operations** |  |  |  |  |  |
| &nbsp;&nbsp;Net interest income | $80281 | $90150 | $94152 | $90479 | $85904 |
| Provision for credit losses <sup>(2)</sup> | 7800 | 3490 | 14600 | 6060 | 18446 |
| &nbsp;&nbsp;Noninterest income | 17381 | 22019 | 17291 | 19778 | 19525 |
| &nbsp;&nbsp;Noninterest expense | 66919 | 106772 | 77835 | 74400 | 71554 |
| &nbsp;&nbsp;Net income attributable to Amerant Bancorp Inc. | 17873 | 2701 | 14756 | 23002 | 11958 |
| Pre-tax pre-provision net revenue (PPNR) <sup>(3)</sup> | 30743 | 5397 | 33608 | 35857 | 33875 |
| &nbsp;&nbsp;Effective income tax rate | 22.10% | (41.64)% | 22.37% | 22.80% | 22.50% |
| **Common Share Data**  |  |  |  |  |  |
| &nbsp;&nbsp;Stockholders' book value per common share | $22.96 | $23.13 | $22.90 | $22.14 | $21.60 |
| Tangible stockholders' equity (book value) per common share <sup>(3)(4)</sup> | $22.38 | $22.56 | $22.32 | $21.56 | $21.03 |
| &nbsp;&nbsp;Basic earnings per common share | $0.44 | $0.07 | $0.35 | $0.55 | $0.28 |
| Diluted earnings per common share <sup>(4)</sup> | $0.44 | $0.07 | $0.35 | $0.55 | $0.28 |
| &nbsp;&nbsp;Basic weighted average shares outstanding | 40315757 | 40915733 | 41590201 | 41805550 | 42015507 |
| Diluted weighted average shares outstanding <sup>(4)</sup> | 40510993 | 41102760 | 41774101 | 41873551 | 42186759 |
| Cash dividend declared per common share <sup>(5)</sup> | $0.09 | $0.09 | $0.09 | $0.09 | $0.09 |

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![amntrgba33.jpg](amntrgba33.jpg)

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **March 31, 2026** | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** |
| **Other Financial and Operating Data** <sup>(6)</sup> | | | | | |
| **Profitability Indicators (%)** | | | | | |
| Net interest income / Average total interest earning assets (NIM) <sup>(1)</sup> | 3.55% | 3.78% | 3.92% | 3.81% | 3.75% |
| Net income / Average total assets (ROA)<sup>(1)</sup> | 0.73% | 0.10% | 0.57% | 0.90% | 0.48% |
| Net income / Average stockholders' equity (ROE) <sup>(1)</sup> | 7.63% | 1.12% | 6.21% | 10.06% | 5.32% |
| Noninterest income / Total revenue <sup>(1)</sup> | 17.80% | 19.63% | 15.52% | 17.94% | 18.52% |
| **Capital Indicators (%)** |  |  |  |  |  |
| Total capital ratio <sup>(1)</sup> | 14.16% | 14.10% | 13.90% | 13.49% | 13.45% |
| Tier 1 capital ratio <sup>(1)</sup> | 12.62% | 12.58% | 12.28% | 11.97% | 11.84% |
| Tier 1 leverage ratio <sup>(1)</sup> | 9.91% | 9.62% | 9.73% | 9.69% | 9.73% |
| Common equity tier 1 capital ratio (CET1) <sup>(1)</sup> | 11.84% | 11.80% | 11.54% | 11.24% | 11.11% |
| Tangible common equity ratio <sup>(1)(3)(4)</sup> | 9.02% | 9.39% | 8.87% | 8.73% | 8.69% |
| **Liquidity Ratios (%)** |  |  |  |  |  |
| Loans to Deposits <sup>(1)</sup> | 85.07% | 86.01% | 83.63% | 86.55% | 88.52% |
| **Asset Quality Indicators (%)** |  |  |  |  |  |
| Non-performing assets / Total assets <sup>(1)</sup> | 1.93% | 1.91% | 1.34% | 0.95% | 1.38% |
| Non-performing loans / Total gross loans <sup>(1)</sup> | 2.61% | 2.56% | 1.79% | 1.15% | 1.71% |
| Allowance for credit losses / Total non-performing loans  | 45.01% | 46.26% | 76.37% | 104.89% | 79.75% |
| Allowance for credit losses / Total loans held for investment | 1.21% | 1.20% | 1.37% | 1.20% | 1.37% |
| Net charge-offs / Average total loans held for investment <sup>(1)</sup> | 0.45% | 1.07% | 0.39% | 0.86% | 0.22% |
| **Efficiency Indicators (% except FTE)** |  |  |  |  |  |
| Noninterest expense / Average total assets | 2.74% | 4.14% | 3.01% | 2.91% | 2.89% |
| Salaries and employee benefits / Average total assets | 1.31% | 1.50% | 1.36% | 1.41% | 1.35% |
| Other operating expenses/ Average total assets <sup>(1)</sup> | 1.43% | 2.64% | 1.66% | 1.50% | 1.54% |
| Efficiency ratio <sup>(1)</sup> | 68.52% | 95.19% | 69.84% | 67.48% | 67.87% |
| FTEs | 699 | 694 | 704 | 692 | 726 |

---

__________________

(1) &nbsp;&nbsp;&nbsp;&nbsp;See Glossary of Terms and Definitions for definitions of financial terms.

(2) In all periods shown, includes reserves on loans and contingent loans. The provision for (reversal of) unfunded commitments (contingencies) in the first quarter of 2026, and fourth, third, second and first quarters of 2025, were $1.1 million, $0.7 million, ($0.7 million), $2.5 million and $1.3 million, respectively.

(3) Non-GAAP measure. See "Non-GAAP Financial Measures" for more information and Exhibit 2 for a reconciliation to GAAP.

(4) See 2025 Form 10-K for more information on potential dilutive instruments and its impact on diluted earnings per share computation.

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![amntrgba33.jpg](amntrgba33.jpg)

(5) In all periods shown, the Company's Board of Directors declared and paid cash dividends of $0.09 per share of the Company's common stock. In connection with these dividends, the Company paid an aggregate amount of $3.7 million in each of the first quarter of 2026 and fourth quarter of 2025, and $3.8 million per quarter in all other periods.

(6) Operating data for the periods presented have been annualized.

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![amntrgba33.jpg](amntrgba33.jpg)

**Exhibit 2- Non-GAAP Financial Measures Reconciliation**

The following tables set forth selected financial information derived from the Company's interim unaudited and annual audited consolidated financial statements, adjusted for certain items, including the provision for credit losses, income taxes and goodwill and other intangible assets. The Company believes these adjusted numbers are useful to understand the Company's performance and underlying trends.

&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Three Months Ended,** | **Three Months Ended,** | **Three Months Ended,** | **Three Months Ended,** | **Three Months Ended,** |
| *(in thousands)* | **March 31, 2026** | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** |
| &nbsp;&nbsp;Net income attributable to Amerant Bancorp Inc. | $17873 | $2701 | $14756 | $23002 | $11958 |
| Plus: provision for credit losses <sup>(1)</sup> | 7800 | 3490 | 14600 | 6060 | 18446 |
| &nbsp;&nbsp;Plus: provision for income tax expense (benefit) | 5070 | (794) | 4252 | 6795 | 3471 |
| **Pre-tax pre-provision net revenue (PPNR)** | 30743 | 5397 | 33608 | 35857 | 33875 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(in thousands, except percentages, share data and per share amounts)* | **March 31, 2026** | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** |
| Stockholders' equity | $913918 | $938802 | $944940 | $924286 | $906263 |
| Less: goodwill and other intangibles <sup>(2)</sup> | (22933) | (23103) | (23784) | (24016) | (24135) |
| Tangible common stockholders' equity | $890985 | $915699 | $921156 | $900270 | $882128 |
| Total assets | 9903514 | 9777018 | 10410199 | 10334678 | 10169688 |
| Less: goodwill and other intangibles <sup>(2)</sup> | (22933) | (23103) | (23784) | (24016) | (24135) |
| Tangible assets | $9880581 | $9753915 | $10386415 | $10310662 | $10145553 |
| Common shares outstanding | 39803607 | 40595273 | 41265378 | 41748434 | 41952590 |
| **Tangible common equity ratio** | 9.02% | 9.39% | 8.87% | 8.73% | 8.69% |
| **Stockholders' book value per common share** | $22.96 | $23.13 | $22.90 | $22.14 | $21.60 |
| **Tangible stockholders' equity book value per common share** | $22.38 | $22.56 | $22.32 | $21.56 | $21.03 |

---

____________

(1) Includes provision for credit losses on loans and provision for loan contingencies.

(2) Other intangible assets primarily consist of naming rights and mortgage servicing rights ("MSRs"). Other intangible assets are included in other assets in the Company's consolidated balance sheets.

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![amntrgba33.jpg](amntrgba33.jpg)

**Exhibit 3 - Average Balance Sheet, Interest and Yield/Rate Analysis**

The following tables present average balance sheet information, interest income, interest expense and the corresponding average yields earned and rates paid for the periods presented. The average balances for loans include both performing and non-performing balances. Interest income on loans includes the effects of discount accretion and the amortization of non-refundable loan origination fees, net of direct loan origination costs, accounted for as yield adjustments. Average balances represent the daily average balances for the periods presented.

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **March 31, 2026** | **March 31, 2026** | **March 31, 2026** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **March 31, 2025** | **March 31, 2025** | **March 31, 2025** |
| *(in thousands, except percentages)* | **Average<br>Balances** | **Income/<br>Expense** | **Yield/<br>Rates** | **Average Balances** | **Income/ Expense** | **Yield/ Rates** | **Average <br> Balances** | **Income/<br>Expense** | **Yield/ <br>Rates** |
| **Interest-earning assets:** |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Loan portfolio, net (1) | $6523493 | $102674 | 6.38% | $6770724 | $114824 | 6.73% | $7174160 | $121021 | 6.84% |
| &nbsp;&nbsp;&nbsp;&nbsp;Debt securities available for sale (2) (3) | 2281441 | 26800 | 4.76% | 2039573 | 24916 | 4.85% | 1473170 | 17964 | 4.95% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Debt securities held for trading | 333 |  | —% | 61478 | 1134 | 7.32% | 156 |  | —% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Equity securities with readily determinable fair value not held for trading | 2553 | 14 | 2.22% | 2550 | 29 | 4.51% | 2497 | 19 | 3.09% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Federal Reserve Bank and FHLB stock | 57177 | 868 | 6.16% | 59605 | 965 | 6.42% | 57320 | 936 | 6.62% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits with banks | 291145 | 2598 | 3.62% | 531010 | 5244 | 3.92% | 580409 | 6401 | 4.47% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other short-term investments | 7182 | 63 | 3.56% | 7119 | 70 | 3.90% | 6434 | 67 | 4.22% |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total interest-earning assets** | 9163324 | 133017 | 5.89% | 9472059 | 147182 | 6.16% | 9294146 | 146408 | 6.39% |
| Total noninterest-earning assets (4) | 739439 |  |  | 763723 |  |  | 748385 |  |  |
| Total assets | $9902763 |  |  | $10235782 |  |  | $10042531 |  |  |

---

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![amntrgba33.jpg](amntrgba33.jpg)

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **March 31, 2026** | **March 31, 2026** | **March 31, 2026** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **March 31, 2025** | **March 31, 2025** | **March 31, 2025** |
| *(in thousands, except percentages)* | **Average<br>Balances** | **Income/<br>Expense** | **Yield/<br>Rates** | **Average Balances** | **Income/ Expense** | **Yield/ Rates** | **Average <br> Balances** | **Income/<br>Expense** | **Yield/ <br>Rates** |
| **Interest-bearing liabilities:** |  |  |  |  |  |  |  |  |  |
| Checking and saving accounts |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Interest bearing demand, savings, and money market deposits (5) | 4429327 | 26365 | 2.41% | 4452931 | 28387 | 2.53% | 4183742 | 27129 | 2.63% |
| Time deposits | 2011952 | 18254 | 3.68% | 2050101 | 19798 | 3.83% | 2227932 | 23858 | 4.34% |
| Total deposits | 6441279 | 44619 | 2.81% | 6503032 | 48185 | 2.94% | 6411674 | 50987 | 3.23% |
| Securities sold under agreements to repurchase |  |  | —% | 102 | 1 | 3.89% |  |  | —% |
| Advances from the FHLB (6) | 712349 | 6846 | 3.90% | 765225 | 7518 | 3.90% | 723667 | 7200 | 4.04% |
| Senior notes |  |  | —% |  |  | —% | 59883 | 942 | 6.38% |
| Subordinated notes | 29816 | 361 | 4.91% | 29774 | 361 | 4.81% | 29646 | 361 | 4.94% |
| Junior subordinated debentures | 64178 | 910 | 5.75% | 64178 | 967 | 5.98% | 64178 | 1014 | 6.41% |
| **Total interest-bearing liabilities** | 7247622 | 52736 | 2.95% | 7362311 | 57032 | 3.07% | 7289048 | 60504 | 3.37% |
| Noninterest-bearing liabilities: |  |  |  |  |  |  |  |  |  |
| Noninterest bearing demand deposits | 1396612 |  |  | 1649262 |  |  | 1544770 |  |  |
| Accounts payable, accrued liabilities and other liabilities | 308976 |  |  | 266810 |  |  | 297491 |  |  |
| Total noninterest-bearing liabilities | 1705588 |  |  | 1916072 |  |  | 1842261 |  |  |
| Total liabilities | 8953210 |  |  | 9278383 |  |  | 9131309 |  |  |
| Stockholders' equity | 949553 |  |  | 957399 |  |  | 911222 |  |  |
| Total liabilities and stockholders' equity | $9902763 |  |  | $10235782 |  |  | $10042531 |  |  |
| Excess of average interest-earning assets over average interest-bearing liabilities | $1915702 |  |  | $2109748 |  |  | $2005098 |  |  |
| **Net interest income** |  | $80281 |  |  | $90150 |  |  | $85904 |  |
| Net interest rate spread |  |  | 2.94% |  |  | 3.09% |  |  | 3.02% |
| Net interest margin (6) |  |  | 3.55% |  |  | 3.78% |  |  | 3.75% |
| Cost of total deposits (6) |  |  | 2.31% |  |  | 2.34% |  |  | 2.60% |
| Ratio of average interest-earning assets to average interest-bearing liabilities | 126.43% |  |  | 128.66% |  |  | 127.51% |  |  |
| Average non-performing loans/ Average total loans | 2.39% |  |  | 1.90% |  |  | 1.43% |  |  |

---

___________

(1)&nbsp;&nbsp;&nbsp;&nbsp;Includes loans held for investment net of the allowance for credit losses, and loans held for sale. Non-performing loans are included in the total loan portfolio balances.

(2)&nbsp;&nbsp;&nbsp;&nbsp;Includes the average balance of net unrealized gains and losses in the fair value of debt securities available for sale.

(3)&nbsp;&nbsp;&nbsp;&nbsp;Includes nontaxable securities with average balances of $52.9 million, $54.0 million and $54.3 million for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. The tax equivalent yield for these nontaxable securities was 4.68%, 4.48%, and 4.77% for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025, respectively. In 2026 and 2025, the tax equivalent yields were calculated assuming a 21% tax rate and dividing the actual yield by 0.79.

(4)&nbsp;&nbsp;&nbsp;&nbsp;Excludes the allowance for credit losses.

(5) To emphasize material items, certain line items previously presented separately in prior periods have been aggregated into a single line item in this table. This includes interest-bearing demand, savings, and money market deposits. The presentation for the three months ended March 31, 2025 has been conformed accordingly for comparability.

(6) See Glossary of Terms and Definitions for definitions of financial terms.

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![amntrgba33.jpg](amntrgba33.jpg)

**Exhibit 4 - Noninterest Income**

 ***&nbsp;&nbsp;&nbsp;&nbsp;***This table shows the amounts of each of the categories of noninterest income for the periods presented.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **March 31, 2026** | **March 31, 2026** | **December 31, 2025** | **December 31, 2025** | **March 31, 2025** | **March 31, 2025** |
| *(in thousands, except percentages)* | **Amount** | **%** | **Amount** | **%** | **Amount** | **%** |
| Deposits and service fees | $4872 | 28.0% | $4938 | 22.4% | $5137 | 26.3% |
| Brokerage, advisory and fiduciary activities | 5461 | 31.4% | 5304 | 24.1% | 4729 | 24.2% |
| Change in cash surrender value of bank owned life insurance ("BOLI")<sup>(1)</sup> | 2564 | 14.8% | 2602 | 11.9% | 2450 | 12.5% |
| Cards and trade finance servicing fees | 1439 | 8.3% | 1505 | 6.8% | 1392 | 7.1% |
| Gain on early extinguishment of FHLB advances, net |  | —% | 12 | 0.1% |  | —% |
| Securities gains, net <sup>(2)</sup> | 516 | 3.0% | 2054 | 9.3% | 64 | 0.3% |
| Loan-level derivative income <sup>(3)</sup> | 1531 | 8.8% | 1398 | 6.4% | 1508 | 7.7% |
| Derivative losses, net |  | —% | (120) | (0.5)% |  | —% |
| Other noninterest income <sup>(4)</sup> | 998 | 5.7% | 4326 | 19.6% | 4245 | 21.9% |
| &nbsp;&nbsp;&nbsp;Total noninterest income | $17381 | 100.0% | $22019 | 100.0% | $19525 | 100.0% |

---

__________________

(1)&nbsp;&nbsp;&nbsp;&nbsp;Changes in cash surrender value of BOLI are not taxable.

(2) In the three months ended March 31, 2025 and December 31, 2025, include realized gains on the sale of debt securities available for sale of $0.5 million and $2.2 million, respectively. Additionally, the three months ended December 31, 2025, include trading securities valuation losses, partially offset by realized gains from the sale of the trading portfolio in the same period.

(3) Income from interest rate swaps and other derivative transactions with customers. The Company incurs expenses related to derivative transactions with customers which are included as part of noninterest expenses under loan-level derivative expense. See Exhibit 5 for more details.

(4) The three months ended December 31, 2025 include a gain of $3.3 million on the sale and leaseback of two banking centers located in South Florida. The three months ended March 31, 2025 include a gain of $2.8 million on the sale loans that were originated for investment. Other sources of income in the periods shown include foreign currency exchange transactions with customers and valuation income on the investment balances held in the non-qualified deferred compensation plan, and mortgage banking income and loss.

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![amntrgba33.jpg](amntrgba33.jpg)

**Exhibit 5 - Noninterest Expense**

This table shows the amounts of each of the categories of noninterest expense for the periods presented.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **March 31, 2026** | **March 31, 2026** | **December 31, 2025** | **December 31, 2025** | **March 31, 2025** | **March 31, 2025** |
| *(in thousands, except percentages)* | **Amount** | **%** | **Amount** | **%** | **Amount** | **%** |
| Salaries and employee benefits  | $32040 | 47.9% | $38757 | 36.3% | $33347 | 46.6% |
| Occupancy and equipment | 5423 | 8.1% | 5809 | 5.4% | 6136 | 8.6% |
| Professional and other services fees  | 11416 | 17.1% | 16875 | 15.8% | 14682 | 20.5% |
| Loan-level derivative expense <sup>(1)</sup> | 1042 | 1.6% | 919 | 0.9% | 360 | 0.5% |
| Telecommunications and data processing | 3537 | 5.3% | 3569 | 3.3% | 3475 | 4.9% |
| Depreciation and amortization | 1517 | 2.3% | 2060 | 1.9% | 1588 | 2.2% |
| FDIC assessments and insurance | 2850 | 4.3% | 2746 | 2.6% | 3236 | 4.5% |
| Losses on loans held for sale carried at the lower of cost or fair value, net <sup>(2)</sup>  | 1823 | 2.7% | 14850 | 13.9% |  | —% |
| Advertising expenses | 2939 | 4.4% | 3542 | 3.3% | 3635 | 5.1% |
| Other real estate owned and repossessed assets (income) expense, net  | (232) | (0.3)% | (129) | (0.1)% | 164 | 0.2% |
| Contract termination costs <sup>(3)</sup> |  | —% | 7483 | 7.0% |  | —% |
| Other operating expenses <sup>(4)</sup> | 4564 | 6.6% | 10291 | 9.7% | 4931 | 6.9% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense  | $66919 | 100.0% | $106772 | 100.0% | $71554 | 100.0% |

---

___

(1) Includes service fees in connection with our loan-level derivative income generation activities.

(2) Includes valuation allowances and releases of allowances on previous loans held for sale.

(3) In the three months ended December 31, 2025, includes contract termination costs associated with certain advertising contracts and a third-party loan origination agreement under a white-label program.

(4) For a detailed discussion of the key components of other operating expenses, see the Company's Form 10-K for the year ended December 31, 2025.

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![amntrgba33.jpg](amntrgba33.jpg)

**Exhibit 6 - Consolidated Balance Sheets**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(in thousands, except share data)* | **March 31, 2026** | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** |
| **Assets** |  | (audited) |  |  |  |
| Cash and due from banks and restricted cash | $63416 | $53478 | $53084 | $56381 | $53629 |
| Interest earning deposits with banks | 117997 | 409444 | 570612 | 573373 | 587728 |
| Other short-term investments | 7294 | 7233 | 7162 | 7083 | 7010 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | 188707 | 470155 | 630858 | 636837 | 648367 |
| Securities |  |  |  |  |  |
| Debt securities available for sale, at fair value | 2370308 | 2024883 | 2122416 | 1788708 | 1702111 |
| Trading securities  |  |  | 119935 | 120226 |  |
| Equity securities with readily determinable fair value not held for trading | 2528 | 2548 | 2542 | 2525 | 2523 |
| Federal Reserve Bank and Federal Home Loan Bank stock | 58048 | 57138 | 62808 | 59429 | 57044 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities | 2430884 | 2084569 | 2307701 | 1970888 | 1761678 |
| Loans held for sale, at the lower of cost or fair value (1) | 190014 | 80912 |  |  | 40597 |
| Mortgage loans held for sale, at fair value | 895 | 2932 |  | 6073 | 20728 |
| Loans held for investment, gross | 6562872 | 6613391 | 6941792 | 7183123 | 7157837 |
| Less: Allowance for credit losses (2) | 79236 | 79276 | 94918 | 86519 | 98266 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans held for investment, net | 6483636 | 6534115 | 6846874 | 7096604 | 7059571 |
| Bank owned life insurance | 263208 | 260644 | 258042 | 255487 | 252997 |
| Deferred tax assets, net | 42532 | 35566 | 46881 | 50966 | 53448 |
| Operating lease right-of-use assets | 108980 | 110588 | 102872 | 102558 | 104578 |
| Accrued interest receivable and other assets | 194658 | 197537 | 216971 | 215265 | 227724 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $9903514 | $9777018 | $10410199 | $10334678 | $10169688 |
| **Liabilities and Stockholders' Equity** |  |  |  |  |  |
| Deposits |  |  |  |  |  |
| Demand |  |  |  |  |  |
| Noninterest bearing | $1466670 | $1573301 | $1768764 | $1706580 | $1665468 |
| Interest bearing demand, savings and money market | 4425019 | 4217594 | 4434274 | 4437045 | 4327587 |
| Time | 2047412 | 1996039 | 2097931 | 2162919 | 2161923 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 7939101 | 7786934 | 8300969 | 8306544 | 8154978 |
| Advances from the Federal Home Loan Bank | 732263 | 711984 | 831699 | 765000 | 715000 |
| Senior notes  |  |  |  |  | 59922 |
| Subordinated notes | 29837 | 29795 | 29752 | 29710 | 29667 |
| Junior subordinated debentures held by trust subsidiaries | 64178 | 64178 | 64178 | 64178 | 64178 |
| Operating lease liabilities (3) | 116456 | 117456 | 109726 | 109226 | 110999 |
| Accounts payable, accrued liabilities and other liabilities  | 107761 | 127869 | 128935 | 135734 | 128681 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | 8989596 | 8838216 | 9465259 | 9410392 | 9263425 |
| Stockholders' equity |  |  |  |  |  |
| Class A common stock | 3978 | 4058 | 4125 | 4173 | 4195 |
| Additional paid in capital | 297503 | 316067 | 327205 | 336021 | 339038 |
| Retained earnings | 633716 | 619552 | 620542 | 609540 | 590304 |
| Accumulated other comprehensive loss | (21279) | (875) | (6932) | (25448) | (27274) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity | 913918 | 938802 | 944940 | 924286 | 906263 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity | $9903514 | $9777018 | $10410199 | $10334678 | $10169688 |

---

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![amntrgba33.jpg](amntrgba33.jpg)

__________

(1) As of March 31, 2026 and December 31, 2025, includes a valuation allowance of $3.4 million and $13.8 million, respectively.

(2) In the first quarter of 2026, the Company early adopted ASU 2025-08, which expands the use of the gross-up approach for certain purchased loans and eliminates Day 1 credit loss expense. As a result, the Company recorded an allowance for credit losses of $0.5 million on approximately $36.8 million of acquired loans, with no day 1 impact to earnings.

(3) Consists of total long-term lease liabilities. Total short-term lease liabilities are included in other liabilities.

**Exhibit 7 - Loans**

**Loans by Type - Held For Investment**

The loan portfolio held for investment consists of the following loan classes:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(in thousands)* | **March 31,<br>2026** | **December 31,<br>2025** | **September 30,<br>2025** | **June 30,<br>2025** | **March 31,<br>2025** |
| Real estate loans |  | (audited) |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial real estate |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-owner occupied | $1501909 | $1591861 | $1656180 | $1770403 | $1641210 |
| &nbsp;&nbsp;&nbsp;&nbsp;Multi-family residential | 261332 | 322447 | 361650 | 371692 | 400371 |
| &nbsp;&nbsp;&nbsp;&nbsp;Land development and construction loans | 505007 | 534028 | 544727 | 543697 | 499663 |
|  | 2268248 | 2448336 | 2562557 | 2685792 | 2541244 |
| &nbsp;&nbsp;&nbsp;Single-family residential | 1680768 | 1515181 | 1550724 | 1542447 | 1549356 |
| &nbsp;&nbsp;&nbsp;Owner occupied | 790445 | 809336 | 900596 | 983090 | 951311 |
|  | 4739461 | 4772853 | 5013877 | 5211329 | 5041911 |
| Commercial loans | 1485438 | 1446406 | 1519778 | 1566420 | 1714583 |
| Loans to financial institutions and acceptances | 112667 | 148602 | 164974 | 156918 | 153345 |
| Consumer loans and overdrafts | 225306 | 245530 | 243163 | 248456 | 247998 |
| Total loans | $6562872 | $6613391 | $6941792 | $7183123 | $7157837 |

---

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![amntrgba33.jpg](amntrgba33.jpg)

**Loans by Type - Held For Sale** 

The loan portfolio held for sale consists of the following loan classes:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(in thousands)* | **March 31, 2026** | **December 31, 2025** | **September 30, 2025** | **June 30, 2025** | **March 31, 2025** |
| **<u>Loans held for sale at the lower of fair value or cost</u>** |  | (audited) |  |  |  |
| Real estate loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Commercial real estate |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-owner occupied | $63908 | $43406 | $— | $— | $— |
| &nbsp;&nbsp;&nbsp;&nbsp;Multi-family residential | 60794 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Land development and construction loans | 52613 | 22339 |  |  |  |
|  | 177315 | 65745 |  |  |  |
| &nbsp;&nbsp;&nbsp;Single-family residential |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Owner occupied | 12699 | 15167 |  |  | 40597 |
|  | 190014 | 80912 |  |  | 40597 |
| Commercial loans |  |  |  |  |  |
| Consumer loans |  |  |  |  |  |
| Total loans held for sale at the lower of fair value or cost | 190014 | 80912 |  |  | 40597 |
| **<u>Mortgage loans held for sale at fair value</u>** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Land development and construction loans |  |  |  | 2056 | 7475 |
| &nbsp;&nbsp;&nbsp;Single-family residential | 895 | 2932 |  | 4017 | 13253 |
| Total mortgage loans held for sale at fair value | 895 | 2932 |  | 6073 | 20728 |
| Total loans held for sale | $190909 | $83844 | $— | $6073 | $61325 |

---

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![amntrgba33.jpg](amntrgba33.jpg)

**Non-Performing Assets**

This table shows a summary of our non-performing assets by loan class, which includes non-performing loans, other real estate owned, or OREO, and other repossessed assets at the dates presented. Non-performing loans consist of (i) nonaccrual loans, and (ii) accruing loans 90 days or more contractually past due as to interest or principal.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(in thousands)* | **March 31,<br>2026** | **December 31,<br>2025** | **September 30,<br>2025** | **June 30,<br>2025** | **March 31,<br>2025** |
| **Non-Accrual Loans** |  | (audited) |  |  |  |
| Real Estate Loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate (CRE) |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-owner occupied | $11172 | $4288 | $4374 | $1022 | $— |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Multi-family residential |  |  | 7018 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Land development and construction loans <sup>(1)</sup> |  | 16200 | 19577 |  |  |
|  | 11172 | 20488 | 30969 | 1022 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Single-family residential | 27346 | 26082 | 8838 | 7421 | 15048 |
| &nbsp;&nbsp;&nbsp;&nbsp;Owner occupied | 40745 | 28733 | 15287 | 21027 | 22249 |
|  | 79263 | 75303 | 55094 | 29470 | 37297 |
| Commercial loans | 85481 | 83761 | 67081 | 51157 | 84907 |
| Consumer loans and overdrafts | 8969 | 9204 | 725 | 666 |  |
| **Total Non-Accrual Loans** <sup>(1)</sup> | $173713 | $168268 | $122900 | $81293 | $122204 |
| **Past Due Accruing Loans** |  |  |  |  |  |
| Real Estate Loans |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Single-family residential |  |  |  |  | 886 |
| &nbsp;&nbsp;&nbsp;&nbsp;Owner occupied |  | 730 |  |  |  |
| Commercial | 2337 | 2372 | 1392 | 1192 | 122 |
| Consumer loans and overdrafts |  |  |  |  | 7 |
| **Total Past Due Accruing Loans** <sup>(2)</sup> | $2337 | $3102 | $1392 | $1192 | $1015 |
| **Total Non-Performing Loans** | 176050 | 171370 | 124292 | 82485 | 123219 |
| **Other Real Estate Owned** | 15542 | 15542 | 15606 | 15389 | 17541 |
| **Total Non-Performing Assets** <sup>(1)</sup> | $191592 | $186912 | $139898 | $97874 | $140760 |

---

&nbsp;&nbsp;&nbsp;&nbsp;

__________________

(1) At December 31, 2025, balances included $16.2 million in land development and construction loans held for sale, which were sold in January 2026. There were no loans both classified as held for sale and in non-performing status in any of the other periods shown.

(2)&nbsp;&nbsp;&nbsp;&nbsp;Loans past due 90 days or more but still accruing.

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![amntrgba33.jpg](amntrgba33.jpg)

**Loans by Credit Quality Indicators**

This table shows the Company's loans by credit quality indicators. The Company has not purchased credit-deteriorated loans.

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **March 31, 2026** | **March 31, 2026** | **March 31, 2026** | **March 31, 2026** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **March 31, 2025** | **March 31, 2025** | **March 31, 2025** | **March 31, 2025** |
| | | | | | | (audited) | (audited) | | | | | |
| *(in thousands)* | **Special Mention** | **Substandard** | **Doubtful** | **Total (1)** | **Special Mention** | **Substandard** | **Doubtful** | **Total (1)** | **Special Mention** | **Substandard** | **Doubtful** | **Total (1)** |
| **Loans held for investment** |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial Real <br>Estate (CRE) |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-owner <br>occupied | $51392 | $32416 | $— | $83808 | $56126 | $34213 | $— | $90339 | $40391 | $42317 | $— | $82708 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Multi-family residential |  | 22457 |  | 22457 | 31704 | 22435 |  | 54139 | 8282 |  |  | 8282 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Land development <br>and <br>construction<br> loans | 34590 | 2748 |  | 37338 |  |  |  |  |  |  |  |  |
|  | 85982 | 57621 |  | 143603 | 87830 | 56648 |  | 144478 | 48673 | 42317 |  | 90990 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Single-family residential |  | 43985 |  | 43985 | 733 | 26010 |  | 26743 |  | 15934 |  | 15934 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Owner occupied |  | 72432 |  | 72432 | 12485 | 51965 |  | 64450 | 2447 | 22249 |  | 24696 |
|  | 85982 | 174038 |  | 260020 | 101048 | 134623 |  | 235671 | 51120 | 80500 |  | 131620 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial loans | 2387 | 102039 |  | 104426 | 35408 | 129610 | 459 | 165477 | 48600 | 85029 |  | 133629 |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans to financial institutions and acceptances |  | 35210 |  | 35210 |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer loans and <br>overdrafts |  | 8969 |  | 8969 |  | 9204 |  | 9204 |  | 7 |  | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total loans held for investment | 88369 | 320256 |  | 408625 | 136456 | 273437 | 459 | 410352 | 99720 | 165536 |  | 265256 |
| &nbsp;&nbsp;**Loans held for sale at the lower of cost or fair value** |  |  |  |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-owner occupied |  |  |  |  |  | 43406 |  | 43406 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Multi-family residential | 30920 |  |  | 30920 |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Land development and construction loans | 28952 |  |  | 28952 |  | 22339 |  | 22339 |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Owner occupied |  |  |  |  |  | 15167 |  | 15167 |  | 40597 |  | 40597 |
| &nbsp;&nbsp;&nbsp;Total loans held for sale | 59872 |  |  | 59872 |  | 80912 |  | 80912 |  | 40597 |  | 40597 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | $**148241** | $**320256** | $**—** | $**468497** | $**136456** | $**354349** | $**459** | $**491264** | $**99720** | $**206133** | $**—** | $**305853** |

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__________

(1) There were no loans categorized as "loss" as of the dates presented.

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![amntrgba33.jpg](amntrgba33.jpg)

**Exhibit 8 - Deposits by Country of Domicile**

This table shows the Company's deposits by country of domicile of the depositor as of the dates presented.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *(in thousands)* | **March 31,<br>2026** | **December 31,<br>2025** | **September 30,<br>2025** | **June 30,<br>2025** | **March 31,<br>2025** |
|  |  | (audited) |  |  |  |
| Domestic | $5228588 | $5168371 | $5732799 | $5707272 | $5592575 |
| Foreign: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Venezuela | 2005521 | 1910980 | 1881871 | 1897631 | 1862614 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Others | 704992 | 707583 | 686299 | 701641 | 699789 |
| Total foreign | 2710513 | 2618563 | 2568170 | 2599272 | 2562403 |
| Total deposits | $7939101 | $7786934 | $8300969 | $8306544 | $8154978 |

---

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![amntrgba33.jpg](amntrgba33.jpg)

 **Glossary of Terms and Definitions**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total gross loans: is the principal balance of outstanding loans, including loans held for investment, loans held for sale at the lower of cost or fair value, and mortgage loans held for sale, net of unamortized deferred nonrefundable loan origination fees and loan origination costs, and unamortized premiums paid on purchased loans, excluding the allowance credit loan losses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Core deposits: consist of total deposits excluding all time deposits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assets under management and custody: consists of assets held for clients in an agency or fiduciary capacity which are not assets of the Company and therefore are not included in the consolidated financial statements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin, or NIM: defined as net interest income, or NII, divided by average interest-earning assets, which are loans, securities, deposits with banks and other financial assets which yield interest or similar income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ROA is calculated based upon the average daily balance of total assets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ROE is calculated based upon the average daily balance of stockholders' equity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total revenue is the result of net interest income before provision for credit losses plus noninterest income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total capital ratio: total stockholders' equity divided by total risk-weighted assets, calculated according to the standardized regulatory capital ratio calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tier 1 capital ratio: Tier 1 capital divided by total risk-weighted assets. Tier 1 capital is composed of Common Equity Tier 1 (CET1) capital plus outstanding qualifying trust preferred securities of $62.3 million at each of all the dates presented.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tier 1 leverage ratio: Tier 1 capital divided by quarter to date average assets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Common equity tier 1 capital ratio, CET1: Tier 1 capital divided by total risk-weighted assets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tangible common equity ratio: calculated as the ratio of common equity less goodwill and other intangibles divided by total assets less goodwill and other intangible assets. Other intangible assets primarily consist of naming rights and mortgage servicing rights and are included in other assets in the Company's consolidated balance sheets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loans to Deposits ratio: calculated as the ratio of total gross loans divided by total deposits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-performing assets include all accruing loans past due by 90 days or more, all nonaccrual loans and other real estate owned ("OREO") properties acquired through or in lieu of foreclosure, and other repossessed assets.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non-performing loans include all accruing loans past due by 90 days or more and all nonaccrual loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ratio for net charge-offs/average total loans held for investments: calculated based upon the average daily balance of outstanding loan principal balance net of unamortized deferred loan origination fees and costs, excluding the allowance for credit losses.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Other operating expenses: total noninterest expense less salary and employee benefits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Efficiency ratio: total noninterest expense divided by the sum of noninterest income and NII.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The terms of the FHLB advance agreements require the Bank to maintain certain investment securities or loans as collateral for these advances.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cost of total deposits: calculated based upon the average balance of total noninterest bearing and interest bearing deposits, which includes time deposits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FTEs: full-time equivalent employees

## Exhibit 99.2

![](meidmasterearningsdeck03001.jpg)

First Quarter Earnings Presentation April 24, 2026

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![](meidmasterearningsdeck03002.jpg)

2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains "forward-looking statements" including statements with respect to the Company's objectives, expectations and intentions and other statements that are not historical facts. Examples of forward- looking statements include but are not limited to: our future operating or financial performance, including revenues, expenses, expense savings, income or loss and earnings or loss per share, and other financial items; statements regarding expectations, plans or objectives for future operations, products or services, and our expectations on our investment portfolio repositioning and loan recoveries or reaching positive resolutions on problem loans. All statements other than statements of historical fact are statements that could be forward-looking statements. You can identify these forward-looking statements through our use of words such as "may," "will," "anticipate," "assume," "should," "indicate," "would," "believe," "contemplate," "expect," "estimate," "continue," "plan," "point to," "project," "could," "intend," "target," "goals," "outlook," "modeled," "dedicated," "create," and other similar words and expressions of the future. Forward-looking statements, including those relating to our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions, involve known and unknown risks, uncertainties and other factors, which may be beyond our control, and which may cause the Company's actual results, performance, achievements, or financial condition to be materially different from future results, performance, achievements, or financial condition expressed or implied by such forward-looking statements. You should not rely on any forward-looking statements as predictions of future events. You should not expect us to update any forward-looking statements, except as required by law. All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, together with those risks and uncertainties described in "Risk factors" in our annual report on Form 10-K for the fiscal year ended December 31, 2025 filed on February 27, 2026, and in our other filings with the U.S. Securities and Exchange Commission (the "SEC"), which are available at the SEC's website www.sec.gov. Interim Financial Information Unaudited financial information as of and for interim periods, including the three-month periods ended March 31, 2026, December 31, 2025 and March 31, 2025, may not reflect our results of operations for our fiscal year ending, or financial condition as of December 31, 2026, or any other period of time or date. Non-GAAP Financial Measures The Company supplements its financial results that are determined in accordance with accounting principles generally accepted in the United States of America ("GAAP") with non-GAAP financial measures, such as "pre-tax pre-provision net revenue (PPNR)", "tangible common equity ratio", and "tangible stockholders' equity (book value) per common share". This supplemental information is not required by, or is not presented in accordance with GAAP. The Company refers to these financial measures and ratios as "non-GAAP financial measures". We use certain non-GAAP financial measures, including those mentioned above, both to explain our results to shareholders and the investment community and in the internal evaluation and management of our business. Management believes that these supplementary non-GAAP financial measures and the information they provide are useful to investors since these measures permit investors to view our performance using the same tools that our management uses to evaluate our past performance and prospects for future performance. While we believe that these non-GAAP financial measures are useful in evaluating our performance, this information should be considered as supplemental and not as a substitute for or superior to the related financial information prepared in accordance with GAAP. Additionally, these non-GAAP financial measures may differ from similar measures presented by other companies. Appendix 1 reconciles these non-GAAP financial measures to GAAP reported results. Beginning in the first quarter of 2026, the Company reviewed and updated its use of non-GAAP financial measures and now presents a limited set of metrics that management uses to evaluate performance and make operating decisions. As part of this update, the Company discontinued the presentation of "Core PPNR", "core noninterest income", "core noninterest expense", "core net income", "core earnings per share (basic and diluted)", "core return on assets (Core ROA)", "core return on equity (Core ROE)", and "core efficiency ratio" as management determined these measures are no longer primary metrics used internally. This change does not reflect any change in the Company's underlying business, operations, or GAAP financial results.

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![](meidmasterearningsdeck03003.jpg)

3 • Executing Strategic Plan: Our three priorities of stabilizing the business, optimizing our credit portfolio, and growing sustainably remain the same • Enhancing Credit Quality: Improved loan portfolio monitoring and reviewing processes, leading to balanced portfolio actions during 1Q26, with both downgrades and significant upgrades. Continued to optimize loan portfolio, including exiting certain large-exposure, out-of-footprint and criticized loans • Improving Efficiency: Net income in line with our guidance and significant reduction in noninterest expenses of ~$30 million during 2026 • Prioritizing Stable and Disciplined Growth: Shifted underwriting approach, prioritizing borrowers with stable and proven operating histories and recalibrating our risk appetite • Capturing Deposit Growth in International Markets: Significant deposit growth materializing following preliminary reactivation of Venezuelan economy, as Amerant is uniquely positioned to capitalize on existing relationships and accelerate efforts to deepen them and expand in this market Opening Remarks

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![](meidmasterearningsdeck03004.jpg)

4 Key Financial Metrics (1Q26 vs 4Q25) Assets • Total assets were $9.9 billion, compared to $9.8 billion • Cash and cash and equivalents were $188.7 million, compared to $470.2 million • Total investment securities were at $2.4 billion, compared to $2.1 billion • Total gross loans were $6.8 billion, compared to $6.7 billion Liabilities • Total deposits were $7.9 billion, compared to $7.8 billion • Core deposits were $5.9 billion, compared to $5.8 billion • Brokered deposits were $548.1 million, compared to $435.7 million • FHLB advances were $732.3 million, compared to $712.0 million Off-Balance Sheet • Assets Under Management and custody ("AUM") totaled $3.4 billion, compared to $3.3 billion

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![](meidmasterearningsdeck03005.jpg)

5 Key Financial Metrics (1Q26 vs 4Q25) Income Statement • Net Interest Income ("NII") was $80.3 million, compared to $90.2 million • Provision for credit losses was $7.8 million, compared to $3.5 million • Noninterest income was $17.4 million, compared to $22.0 million • Noninterest expense was $66.9 million, compared to $106.8 million • Pre-tax pre-provision net revenue (PPNR) (1) was $30.7 million, compared to $5.4 million • Net income attributable to the Company was $17.9 million, compared to net income attributable to the Company of $2.7 million Relative Performance Metrics • Net Interest Margin ("NIM") was 3.55%, compared to 3.78% • Diluted earnings per share was $0.44, compared to diluted earnings per share of $0.07 • Efficiency ratio was 68.52%, compared to 95.19% • Return on Assets ("ROA") was 0.73%, compared to 0.10% • Return on Equity ("ROE") was 7.63%, compared to 1.12% (1) Non-GAAP measure, see "Non-GAAP Financial Measures" for more information and Appendix 1 for a reconciliation to GAAP measures.

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![](meidmasterearningsdeck03006.jpg)

6 Key Financial Metrics (1Q26 vs 4Q25) (1) Non-GAAP Financial Measures. See Appendix 1 for a reconciliation to GAAP. (2) TCE Ratio: 1Q26 includes $21.3 million accumulated unrealized losses net of taxes., compared to $0.9 million in 4Q25 Capital • Total Capital Ratio was 14.16%, compared to 14.10% • Common Equity Tier 1 was 11.84%, compared to 11.80% • Tangible Common Equity Ratio (1) (2) was 9.02%, compared to 9.39% Capital Management Actions • Paid quarterly cash dividend of $0.09 per common share on February 27, 2026 • Repurchased 859,493 shares for $18.7 million at a weighted average price of $21.77 per share, or 0.97x of Tangible Book Value ("TBV") (1) per share and 0.95x of book value per share • Tangible book value per share (1) was $22.38, compared to $22.56

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![](meidmasterearningsdeck03007.jpg)

7 $8,155 $8,307 $8,301 $7,787 $7,939 $4,280 $4,429 $4,434 $4,218 $4,425 $1,527 $1,528 $1,548 $1,560 $1,499 $695 $644 $550 $436 $548 $1,653 $1,706 $1,769 $1,573 $1,467 2.60% 2.53% 2.41% 2.34% 2.31% 1Q25 2Q25 3Q25 4Q25 1Q26 Deposit Composition Loan Composition (2) Transaction Deposits Customer CDs Brokered Deposits (1) Cost of total Deposits ($ in millions) Noninterest Bearing Demand Deposits Well Diversified Deposit & Loan Mix (1) Brokered Deposits : There were $9 million and $60 million in brokered transaction deposits in 2Q25 and 1Q25, respectively, while there were none in 3Q25. In 1Q26, 4Q25, 3Q25, 2Q25 and 1Q25, brokered time deposits were $548.1 million, $436 million, $550 million, $635 million and $635 million, respectively. $7,219 $7,189 $6,942 $6,697 $6,753 $2,549 $2,688 $2,563 $2,514 $2,446 $1,868 $1,723 $1,685 $1,595 $1,598 $992 $983 $901 $825 $803 $1,563 $1,546 $1,551 $1,518 $1,681 $248 $248 $243 $245 $225 6.84% 6.88% 6.93% 6.73% 6.38% 1Q25 2Q25 3Q25 4Q25 1Q26 Consumer CRE Commercial and FI & Acceptances Owner Occupied Single Family Residential Average Loan Yield ($ in millions) (2) 1Q26, 4Q25 and 1Q25 includes both mortgage loans held for sale carried at fair value and loans held for sale carried at the lower of cost or fair value. There were no loans held for sale in 3Q25, while 2Q25 includes mortgage loans held for sale carried at fair value.

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![](meidmasterearningsdeck03008.jpg)

8 $85.9 $90.5 $94.2 $90.2 $80.3 3.75% 3.81% 3.92% 3.78% 3.55% Net Interest Income NIM 1Q25 2Q25 3Q25 4Q25 1Q26 0 10 20 30 40 50 60 70 80 90 NII and NIM (%) 8 ($ in millions) 1Q25 2Q25 3Q25 4Q25 1Q26 Cost of Deposits (Domestic) 3.18 % 3.14 % 3.00 % 2.96 % 3.00 % Cost of Deposits (International) 1.31 % 1.26 % 1.19 % 1.11 % 1.04 % Cost of FHLB Advances 4.04 % 4.04 % 4.00 % 3.90 % 3.90 % Cost of Funds 2.78 % 2.69 % 2.57 % 2.51 % 2.47 % 0.48 0.40 0.48 Cumulative Beta 3Q25 4Q25 1Q26 0.00 0.60 Net Interest Income and NIM Interest-Bearing Deposits Beta Evolution (1) Cost of Funds (1) Beta calculation does not include brokered deposits (2) First interest rate cut in downward rate cycle took place in August 2024. Therefore, 3Q24 is the starting point for beta calculation. (2)

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![](meidmasterearningsdeck03009.jpg)

9 • Strengthened Portfolio Oversight: Established dedicated Portfolio Management team to enhance monitoring, reporting and escalation; investing in additional training for underwriting and relationship teams to improve accuracy and consistency of risk ratings • Enhanced Risk-rating Process: Embedded new checkpoints throughout our monitoring process. We have also increased the cadence of multiple loan monitoring meetings with proactive strategy discussions • Expanded Review Coverage & Rigor: Redesigned annual reviews for deeper issue identification; lowered review threshold from $5 million to $3 million in credit exposure (targeting $1 million over time); introduced quarterly "Top 20" reviews across CRE, C&I, and Consumer loans to monitor the largest relationships, and targeted analysis for higher risk categories • Aligned Incentives: Incorporated portfolio management metrics into banker compensation beginning in 2026 Improved Credit Evaluation Processes

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![](meidmasterearningsdeck03010.jpg)

10 Non-Performing Loans ($ in millions) $171.4 $50.6 $(9.1) $(20.6) $(16.2) $176.1 4Q25 Downgrades to NPLs Charge-offs Paydowns/PayPayoffs and Others Loans Sold 1Q26 Highlights NPAs were $191.6 million, which includes $176.1 million in NPLs and $15.5 million in OREO. As of 1Q26 The NPLs had the following composition: • $71.8 million had real estate collateral with a weighted avg. LTV of 73 % • $71.0 million were cashflow-dependent loans • $9.4 million were secured with other non-real estate collateral types • $4.6 million were ABL-monitored loans • The remaining loans were collectively evaluated for reserves

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![](meidmasterearningsdeck03011.jpg)

11 Classified Loans $354.8 $100.6 $(9.1) $(59.5) $(65.7) $(0.8) $320.3 4Q25 Downgrades Charge-offs Paydowns/Payoffs Loans Sold Upgrades 1Q26 ($ in millions) Highlights As of 1Q26 the Classified loans had the following composition: • $198.8 million had real estate collateral with a weighted avg. LTV of 64% • $84.7 million were cashflow-dependent loans • $10.8 million were ABL monitored loans • $9.4 million were secured with other non-real estate collateral types • The remaining loans were collectively evaluated for reserves

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![](meidmasterearningsdeck03012.jpg)

12 Special Mention Loans $136.5 $89.1 $(8.6) $(67.4) $(0.1) $(1.3) $148.2 $(30.9) $117.3 $(29.0) $88.3 4Q25 Downgrades Downgrade to Classified Upgrades to Pass/Watch Paydown/ Payoffs LHFS Valuation Allowance 1Q26 Loan Exit As of 4/22/26 Projected Loan Exit Projected Mid 2Q26 ($ in millions) Highlights As of 1Q26 the Special Mention loans had the following composition: • $147.2 million had real estate collateral with a weighted avg. LTV of 59% ($59.9 million were classified as held-for-sale) • The remaining loans were smaller commercial loans As of April 22, special mention loans were reduced to $117.3 million due to a $30.9 million CRE loan sale, and it is projected to reach $88.3 million as a result of an additional $29.0 million CRE loan exit expected by mid-2Q26 ---------------------------------------------------

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13 NCOs and Allowance for Credit Losses $79.3 $(9.1) $1.9 $6.3 $1.7 $1.5 $(2.9) $0.5 $79.2 4Q25 Gross Charge- offs Recoveries Requirement for Charge- offs Specific Reserve Change Credit Quality and Macroeconomic Factor Updates Loan Growth Initial ACL on acquired PSLs 1Q26 Portfolios Balance 4Q25 Reserve Build (Release) (1) Balance 1Q26 Real Estate $23,117 $(412) $22,705 Commercial $34,353 $(58) $34,295 Consumer and Others $21,806 $430 $22,236 Total ACL $79,276 $(40) $79,236 ACL Roll-forward Allowance for Credit Losses NCO-to-Average Total Loans Ratio ($ in millions) Period / Portfolio CRE Owner- Occupied Single-Family Residential Commercial Financial Institutions Consumer and Others Total 1Q25 —% 0.01% —% 0.05% —% 0.16% 0.22% 2Q25 —% —% 0.01% 0.77% —% 0.07% 0.86% 3Q25 0.07% —% —% 0.25% —% 0.07% 0.39% 4Q25 0.05% —% —% 0.98% —% 0.04% 1.07% 1Q26 —% —% —% 0.27% —% 0.18% 0.45% ($ in thousands) (% are annualized) (1) Includes ACL on purchased seasoned loans ("PSLs"). See Glossary for more details on the Company's early adoption of ASU 2025-08.

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14 2Q26 Outlook • Total Loans projected to reach $7 billion as of 2Q26, through organic originations complemented by selective residential loan purchases, to balance credit exits and support shift towards a more granular portfolio. We expect cumulative loan growth around 7% for 2026 • Total deposits projected to reach $8 billion as of 2Q26. We expect cumulative deposit growth between 8 to 10% for 2026 • Net interest margin projected to be in the 3.40 - 3.50% range for 2Q26, stabilizing around 3.40% towards year-end • Projected expenses of approximately $68 - $69 million in 2Q26, stabilizing around $68 million towards year-end, as we continue to make progress towards a target efficiency ratio of approximately 60% • Will continue to optimize capital management, balancing between retaining capital for growth, and buybacks and dividends to enhance returns

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15 Looking ahead, our operating focus is firmly aligned with our strategic plan: • Prioritizing stable and sustainable loan growth to achieve our financial goals • Taking additional steps to improve credit quality: ◦ Strengthening asset quality through a disciplined, relationship-driven credit culture and strong monitoring processes ◦ Build a high-quality loan pipeline supported by disciplined underwriting • Improving efficiency: ◦ Executing cost-efficiency initiatives designed to deliver ongoing, recurring savings • Deepening our relationship-first approach to increase synergies between lines of business and reduce reliance on higher-cost funding while pursuing strong opportunity for deposit growth in domestic, and international markets, particularly Venezuela • Maintaining strong capital and shareholder returns, including our dividends and share repurchases Closing Remarks

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Supplemental Information

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17 93.1% 6.9% $1,702 $2,025 $2,370 4.94% 4.92% 4.76% AFS Marketable Equity Securities Yield 1Q25 4Q25 1Q26 0 2,000 89.7% 10.3% Balances and Yields (1) Fixed vs. Floating (2) March 2026 Floating rate Fixed rate Available for Sale Securities by Type March 31, 2026 4.4 yrs Effective Duration ($ in millions) (1) Excludes Federal Reserve Bank and FHLB stock (2) Hybrid investments are classified based on current rate (fixed or floating) (3) Based on estimated prepayment speeds 5.0 yrs Effective Duration $64.7 $71.1 $77.6 $83.4 2Q26 3Q26 4Q26 1Q27 $0.0 $50.0 $100.0 ($ in millions) Expected Prepayments & Maturities Expected Prepayments & Maturities (3) Maturing Yield % Investment Portfolio 4.81% 4.90% 4.95% 4.98% December 2025 As of March 31, 2026, 100.0% of the Available for Sale portfolio consists of MBS issued or guaranteed by Government agencies and Government sponsored enterprises. $2.5 $2.5 $2.5

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18 91.5% 91.5% 91.5% 91.1% 89.8% 3.0% 3.0% 2.7% 2.8% 2.7% 3.8% 3.8% 4.0% 4.2% 5.4% 1.6% 1.7% 1.8% 2.0% 2.1% South Florida New York Tampa Other 1Q25 2Q25 3Q25 4Q25 1Q26 Geographic Mix (Domestic) Geographic Mix (1) Loan Portfolio Geographic Mix (1) 1Q25 includes both mortgage loans held for sale carried at fair value and loans held for sale carried at the lower of cost or fair value. There were no loans held for sale in 3Q25, while all other periods include mortgage loans held for sale at fair value. This geographic categorization is based on internal criteria. (2) Consists of international loans; residential loans with U.S. collateral. (2)

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19 Loans Held for Investment Portfolio by Industry • Diversified portfolio - highest sector concentration, other than real estate, at 12% of total loans • 72% of total loans secured by real estate • Main concentrations: – CRE or Commercial Real Estate – Wholesale - Food & Auto and computer parts wholesalers – Retail - Gas stations – Services – Healthcare and Restaurants Highlights (1) Consists primarily of finance facilities granted to non-bank financial companies 5.2% which is composed mainly of 2.2% CRE note-on-note financing, 2.0% corporate finance and 0.8% mortgage warehousing lines (2) Comprised mostly of construction and real estate related services and equipment rental and leasing activities. (3) Food wholesalers represented approximately 33%. (4) Gasoline stations represented approximately 36%. (5) Healthcare represented approximately 51%. (6) Restaurants and food services represented 65%. (7) Primarily loans belonging to industrial sectors not included in the above sectors, which do not individually represent more than 1 percent of the total loan portfolio, and residential and other consumer loans which represented approximately 24% of total loans. ($ in millions) Real Estate Non-Real Estate Total % Total Loans Financial Sector (1) $10 $310 $320 4.9 % Construction and Real Estate & Leasing: Commercial real estate loans 2,268 — 2,268 34.6 % Other real estate related services and equipment leasing (2) 163 93 256 3.9 % Total construction and real estate & leasing 2,431 93 2,524 38.5 % Manufacturing: Foodstuffs, Apparel 57 43 100 1.5 % Metals, Computer, Transportation and Other 27 57 84 1.3 % Chemicals, Oil, Plastics, Cement and Wood/Paper 23 — 23 0.3 % Total Manufacturing 107 100 207 3.2 % Wholesale (3) 82 225 307 4.7 % Retail Trade (4) 190 155 345 5.2 % Services: Non-Financial Public Sector — 17 17 0.3 % Communication, Transportation, Health and Other (5) 123 208 331 5.0 % Accommodation, Restaurants, Entertainment and other services (6) 104 224 328 5.0 % Electricity, Gas, Water, Supply and Sewage Services 3 77 80 1.2 % Total Services 230 526 756 11.5 % Primary Products: Agriculture, Livestock, Fishing and Forestry 1 3 4 — % Mining — 7 7 0.1 % Total Primary Products 1 10 11 0.1 % Other Loans (7) 1,689 404 2,093 31.9 % Total Loans $4,740 $1,823 $6,563 100.0 % March 31, 2026

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20 CRE Type FL TX NY Other Total % Total CRE % Total Loans (1) Income Producing (2) Land and Construction Retail $462 $10 $62 $26 $560 24.7 % 8.5 % $562 $— Multifamily 324 15 45 77 461 20.3 % 7.0 % 261 199 Office 317 39 19 90 465 20.5 % 7.1 % 459 7 Hotels 175 28 — 8 211 9.3 % 3.2 % 187 25 Industrial 77 — — 32 109 4.8 % 1.7 % 109 — Specialty 179 — — 48 227 10.0 % 3.5 % 184 40 Land 210 — — 25 235 10.4 % 3.6 % — 235 Total CRE $1,744 $92 $126 $306 $2,268 100.0 % 34.6 % $1,762 $506 Outstanding as of March 31, 2026 ($ in millions) This geographic segmentation is based on collateral location (1) Calculated as a percentage of loans held for investment only. (2) Income producing properties include non-owner occupied and multi-family residential loans. CRE Loans Held For Investment - Detail

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21 24% 28% 30% 18% —% 50% or less 50- 60% 60- 70% 70- 80% 80% or more 0% 10% 20% 30% 40% 50% 60% • Florida primarily includes neighborhood shopping centers or service centers with basic needs related anchor stores, as well as the retail corridor in Miami Beach • New York primarily includes high traffic retail corridors with proximity to public transportation services • Single-tenant consists of one loan in Troy, MI (Gym) and one loan in South Florida (Healthcare) CRE Retail (1) Retail - LTV (2) Sporting & Recreational Goods; 79% Healthcare; 21% CRE Retail - Single Tenant (1) (1) CRE retail loans held for investment above $3.0 million (2) LTV at origination Total: $497 million Loan Portfolio Percentage: 7.6% Total: $15 million Loan Portfolio Percentage: 0.2% Neighborhood Center; 35.0% Strip/Convenience; 29.0% Community Center; 21.0% Theme/Festival Center; 6.0% Single Tenant; 3.0% Retail Storefront; 2.0% Regional Center; 2.0% Others; 2.0% CRE Retail - Detail As of March 31, 2026 Weighted Average LTV: 59 %

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22 New York; 4% Texas; 9% Florida; 68% Other ; 19.0% 15% 28% 49% 8% —% 50% or less 51-60% 61-70% 71-80% 81% or more 0% 10% 20% 30% 40% 50% 60% CRE office above $3 million represents 25 loans totaling $448 million, or 98% of total CRE office with avg. debt-service coverage (DSCR) (3) 1.6x and LTV 63% ◦ Florida: 18 loans totaling $303 million (51% Miami-Dade, 34% Broward, 5% Palm Beach, 8% Duval, and 1% Hillsborough) with avg. DSCR 1.6x and LTV 62% ◦ New York: 1 loan totaling $19 million (Westchester) with avg. DSCR 1.5x and LTV 48% ◦ Texas: 2 loans totaling $39 million (100% Dallas) with avg. DSCR 1.6x and LTV 66% ◦ Other: 3 loans totaling $87 million (71% Memphis, TN, 6% Atlanta, GA and 23% Other) with avg. DSCR 1.3x and LTV 69% ◦ CRE Office (1) Office - LTV (2) (1) CRE office loans held for investment above $3 million (2) LTV at origination (3) DSCR based upon most recent borrower information Total: $448 million Loan Portfolio Percentage: 6.8% CRE Office - Detail As of March 31, 2026 Weighted Average LTV: 60%

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23 $7,895 $7,854 $7,787 $7,939 $5,430 $5,278 $5,168 $5,229 $2,465 $2,576 $2,619 $2,710 Domestic Deposits International Deposits 2023 2024 2025 1Q26 ($ in millions) 34% of Total Deposits Avg. account balance(1): $46,000 66% of Total Deposits Avg. account balance (1): $124,000 Domestic and International Deposit Details (1) Average deposit account balances calculated as of December 31, 2025

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24 New Branch Performance Actual balances as of March 31, 2026 ($ in millions) Total deposit and loan balances reflect Retail and Business Banking, Private Banking and International Banking (in-branch only) accounts booked and excludes commercial balances. As of December 31, 2025 As of March 31, 2026 Banking Center Opening Date Total Deposits Total Loans Total Deposits Total Loans Key Biscayne 6/26/2023 $100 $15 $103 $2 W. Kennedy Tampa 2/1/2024 $61 $10 $45 $47 Las Olas 3/5/2024 $109 $26 $97 $38 Palm Beach 4/14/2025 $59 $26 $82 $36 Downtown Miami 4/26/2024 $172 $113 $181 $174 Miami Beach 9/11/2025 $8 $2 $10 $2 Downtown Tampa 10/16/2025 $16 $— $15 $0.2 Bay Harbor Island 1/2/2026 n/a n/a $2 $0.2

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25 <1 year; 65% 1-3 years; 3% 4-5 years; 2% 5+ years; 30% 303 315 321 326 335 345 347 -200 bps -100 bps -50 bps BASE +50 bps +100 bps +200 bps 0 200 400 As of March 31, 2026 Fixed 39% Adjustable 61% 25 By Interest TypeBy Rate Type By Repricing Term (1) NII and percentage change represents the base scenario of net interest income. The base scenario assumes (i) flat interest rates over the next 12 months, (ii) that total financial instrument balances are kept constant over time and (iii) that interest rate shocks are instant and parallel to the yield curve (2) Totals may not sum due to rounding Loan Portfolio Details Impact on NII from Interest Rate Change (1)(2) AFSChange from base ($ in M ill io n s) Fixed 39% UST 2%Prime 12% SOFR 47% As of March 31, 2026 Impact on AFS from Interest Rate Change (1) (7.1)% (3.2)% 0% 5.8%2.8% (1.5)% 6.4% No Floor; 56% 0.5-2%; 3% 2-3.5%; 12% 3.5-5%; 7% 5-6.75%; 22% By Floors 2,509 2,465 2,425 2,370 2,309 2,245 2,112 -200 bps -100 bps -50 bps MV +50 bps +100 bps +200 bps ($ in M ill io n s) 5.9% 4.0% 2.3% 0% (2.6)% (5.3)% (10.9)% Expected pre-tax AOCL Improvement Change from MVNet Interest Income (29,544) (12,987) 1Q26 1Q27 (estimated) (40,000) (20,000) — approx. 56% improvement in AOCL Interest Rate Sensitivity

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26 $19.5 $19.8 $17.3 $22.0 $17.4 $5.1 $5.0 $5.1 $4.9 $4.9 $4.7 $5.0 $5.0 $5.3 $5.5 $1.7 $1.2 $2.1 $0.5 $8.1 $6.7 $5.0 $8.4 $5.0 $1.5 $3.2 $2.4 $1.4 $1.5 1Q25 2Q25 3Q25 4Q25 1Q26 -10 0 10 20 30 28% 72% 25% 75% Noninterest Income Mix Deposits and service fees Brokerage, advisory and fiduciary activities Other noninterest income (1) DomesticInternational 1Q25 $3.4B ($ in millions) Securities gains, net Loan-related derivative income Derivative losses, net Noninterest Income Mix $2.9B Assets Under Management and Custody 1Q26 $(0.2) (1) Other noninterest income in 4Q25 includes $3.3 million gain on the sale and leaseback of two banking centers. $(1.4)$(1.9)

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27 $71.6 $74.4 $77.8 $106.8 $66.9 $33.3 $36.0 $35.1 $38.8 $32.0 $38.3 $38.4 $42.7 $68.0 $34.9 726 692 704 694 699 Salaries and employee benefits Other operating expenses FTEs 1Q25 2Q25 3Q25 4Q25 1Q26 0 30 60 90 120 Noninterest Expense Mix ($ in millions, except for FTEs) Noninterest Expense (1) 1Q26 includes $1.8 million of net losses on loans held for sale carried at the lower of cost or fair value. Also includes $3.3 million savings in vendor contract renegotiations, $1.7 million in write-down of an equity investment carried at cost. (1)

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28 Change in Diluted Earnings Per Common Share $0.07 $0.62 $(0.15) $0.01 $(0.11) $0.44 4Q25 PPNR Income Tax Expense Impact of Repurchases Provision for Credit Losses 1Q26 $(0.20) $— $0.20 $0.40 $0.60 $0.80 EPS Trend (1) Non-GAAP Financial Measure. See Appendix 1 for a reconciliation to GAAP. (1)

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Appendices

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30 Appendix 1 Non-GAAP Financial Measures Reconciliations The following table sets forth selected financial information derived from the Company's interim unaudited and annual audited consolidated financial statements, adjusted for certain items, including the provision for credit losses, income taxes and goodwill and other intangible assets. The Company believes these adjusted numbers are useful to understand the Company's performance and underlying trends. Three Months Ended, (in thousands) March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 Net income attributable to Amerant Bancorp Inc. $17,873 $2,701 $14,756 $23,002 $11,958 Plus: provision for credit losses (1) 7,800 3,490 14,600 6,060 18,446 Plus: provision for income tax expense (benefit) 5,070 (794) 4,252 6,795 3,471 Pre-tax Pre-provision net revenue (PPNR) 30,743 5,397 33,608 35,857 33,875 Three Months Ended, (in thousands, except percentages, share data and per share amounts) March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 Stockholders' equity $913,918 $938,802 $944,940 $924,286 $906,263 Less: goodwill and other intangibles (2) (22,933) (23,103) (23,784) (24,016) (24,135) Tangible common stockholders' equity $890,985 $915,699 $921,156 $900,270 $882,128 Total assets 9,903,514 9,777,018 10,410,199 10,334,678 10,169,688 Less: goodwill and other intangibles (2) (22,933) (23,103) (23,784) (24,016) (24,135) Tangible assets $9,880,581 $9,753,915 $10,386,415 $10,310,662 $10,145,553 Common shares outstanding 39,803,607 40,595,273 41,265,378 41,748,434 41,952,590 Tangible common equity ratio 9.02 % 9.39 % 8.87 % 8.73 % 8.69 % Stockholders' book value per common share $22.96 $23.13 $22.90 $22.14 $21.60 Tangible stockholders' equity book value per common share $22.38 $22.56 $22.32 $21.56 $21.03 (1) Includes provisions for credit losses on loans and provision for loan contingencies. (2) Other intangible assets primarily consist of naming rights and mortgage servicing rights ("MSRs"). Other intangible assets are included in other assets in the Company's consolidated balance sheets.

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31 Income Statement Highlights - 1Q26 vs 4Q25 ($ in thousands) 1Q26 4Q25 Change Total Interest Income Loans $102,674 $114,824 $(12,150) Investment securities 27,682 27,044 638 Interest earning deposits with banks and other interest income 2,661 5,314 (2,653) Total Interest Expense Interest bearing demand, savings and money market deposits 26,365 28,387 (2,022) Time deposits 18,254 19,798 (1,544) Advances from FHLB 6,846 7,518 (672) Subordinated notes 361 361 — Junior subordinated debentures 910 967 (57) Securities sold under agreements to repurchase — 1 (1) Total Provision for Credit Losses 7,800 3,490 4,310 Total Noninterest Income 17,381 22,019 (4,638) Total Noninterest Expense 66,919 106,772 (39,853) Income Tax Expense (benefit) 5,070 (794) 5,864 Net Income Attributable to Amerant Bancorp Inc. $17,873 $2,701 $15,172

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32 • ACL - Allowance for Credit Losses • AFS - Available for Sale • AOCL - Accumulated Other Comprehensive Loss • AUM - Assets Under Management • CET 1 - Common Equity Tier 1 capital ratio • CRE - Commercial Real Estate • Customer CDs - Customer certificate of deposits • EPS – Earnings per Share • FHLB - Federal Home Loan Bank • FTE - Full Time Equivalent Glossary • MBS - Mortgage-Backed Security • MV - Market Value • NCO - Net Charge-Offs • NII - Net Interest Income • NIM – Net Interest Margin • NPA - Non-Performing Assets • NPL - Non-Performing Loans • ROA - Return on Assets • ROE - Return on Equity • TCE ratio – Tangible Common Equity ratio

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33Glossary (cont'd) • Assets under management and custody: consists of assets held for clients in an agency or fiduciary capacity which are not assets of the Company and therefore are not included in the consolidated financial statements. • Core deposits: consist of total deposits excluding all time deposits • Total gross loans: include loans held for investment net of unamortized deferred loan origination fees and costs, as well as loans held for sale. • Cost of Total Deposits: calculated based upon the average balance of total noninterest bearing and interest bearing deposits, which includes time deposits. • ROA: calculated based upon the average daily balance of total assets • ROE: calculated based upon the average daily balance of stockholders' equity • Loans Held for Investment: excludes loans held for sale carried at fair value and loans held for sale carried at the lower of cost or fair value • Non-performing loans include accruing loans past due by 90 days or more and all nonaccrual loans. Non-performing assets include accruing loans past due by 90 days or more, all nonaccrual loans, other real estate owned ("OREO") properties acquired through or in lieu of foreclosure and other repossessed assets. • Net Charge Offs/Average Total Loans Held for Investment: – Annualized and calculated based upon the average daily balance of outstanding loan principal balance net of unamortized deferred loan fees and costs, excluding the allowance for credit losses – Total loans exclude loans held for sale • Cost of Deposits: calculated based upon the average balance of total noninterest bearing and interest bearing deposits, which includes time deposits. • Cost of Funds: calculated based upon the average balance of total financial liabilities which include total interest bearing liabilities and noninterest bearing demand deposits • Quarterly beta (as shown in NII & NIM Slide): calculated based upon the change of the cost of deposit over the change of Federal funds rate (if any) during the quarter. • Net Charge-Offs -charge-offs net of recoveries • Totals may not sum due to rounding of line items. • In the first quarter of 2026, the Company early adopted ASU 2025-08, which expands the use of the gross-up approach for certain purchased loans and eliminates Day 1 credit loss expense. As a result, the Company recorded an allowance for credit losses of $0.5 million on approximately $36.8 million of acquired loans, with no day 1 impact to earnings.

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.

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## Exhibit 99.3

![image_0a.jpg](image_0a.jpg)

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| |
|:---|
| &nbsp;&nbsp;**CONTACTS:** |
| Investors |
| &nbsp;&nbsp;Laura Rossi |
| InvestorRelations@amerantbank.com |
| (305) 460-8728 |
| &nbsp;&nbsp;Media |
| &nbsp;&nbsp;Alexis Dominguez |
| MediaRelations@amerantbank.com |

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**AMERANT BANCORP INC. DECLARES DIVIDEND**

CORAL GABLES, FLORIDA, April 23, 2026. Amerant Bancorp Inc. (NYSE: AMTB) (the "Company" or "Amerant") today announced that, on April 22, 2026, the Company's Board of Directors declared a cash dividend of $0.09 per-share of Amerant common stock. The dividend is payable on May 29, 2026, to shareholders of record at the close of business on May 15, 2026.

**<u>About Amerant Bancorp Inc.</u> <u>(NYSE: AMTB)</u>**

Amerant Bancorp Inc. is a bank holding company headquartered in Coral Gables, Florida since 1979. The Company operates through its main subsidiary, Amerant Bank, N.A. (the "Bank"), as well as its other subsidiary, Amerant Investments, Inc. The Company provides individuals and businesses with deposit, credit and wealth management services. The Bank, which has operated for over 45 years, is headquartered in Florida and operates 23 banking centers – 21 in South Florida and 2 in Tampa, FL. For more information, visit investor.amerantbank.com