BlastPoint's Banking Scorecard

Amerant Bank, National Association

$10B-$250B Specialty: Commercial FL FDIC cert 22953

Designations: ✓ Community bank

Coral Gables, FL

24 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 7 in FL.
Deposits +0.5% year over year ($8.4B on the books).
Delinquency rate 2.52%.
Return on assets 0.90%.
Efficiency ratio 65.00% vs a 53.67% peer average.
Loan-to-deposit ratio 81.10% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 7 in FL

View $10B-$250B leaderboard (FL) →

Amerant Bank, National Association faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 7.7% in tier
- Delinquency Rate 1.51% above tier average
- Nonperforming Asset Ratio 1.09% above tier average
- ROA 0.49% below tier average
- Net Interest Margin 0.35% below tier average
- Efficiency Ratio 11.33% above tier average

Get updates when Amerant Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$10.3B -0.4% YoY +4.0% QoQ	-$33.3B	$43.6B -13.8% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	Bottom 2.2% in tier
Total Loans ?	$6.8B -4.5% YoY +1.6% QoQ	-$21.2B	$28.0B -8.6% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Bottom 5.8% in tier
Total Deposits ?	$8.4B +0.5% YoY +5.2% QoQ	-$27.1B	$35.4B -14.0% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	Bottom 2.9% in tier
Return on Assets ?	0.90% +13.2% YoY +2.8% QoQ	-0.49%	1.39% +25.9% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	15%
Net Interest Margin ?	3.57% -7.1% YoY -0.3% QoQ	-0.35%	3.92% +8.9% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	65.00% -0.2% YoY +1.4% QoQ	+11.33%	53.67% -1.9% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	2.52% +117.3% YoY -4.3% QoQ	+1.51%	1.01% -2.8% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Bottom 4.3% in tier
Loan-to-Deposit Ratio ?	81.10% -5.0% YoY -3.4% QoQ	-1.51%	82.61% +3.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	65%
Non-Interest-Bearing Deposit Share ?	20.47% -0.6% YoY +10.6% QoQ	-0.11%	20.58% +4.9% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	1.82% +91.4% YoY -6.3% QoQ	+1.09%	0.73% +5.8% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Bottom 4.3% in tier
Tier 1 Capital Ratio ?	12.91% +7.3% YoY +1.5% QoQ	-2.44%	15.35% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.33% -15.5% YoY +101.9% QoQ	-0.17%	0.50% +10.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	20.5% -0.1pp YoY +2.0pp QoQ	-0.6pp	21.0%	27.7%	22.2%	38%
Brokered Deposits	6.0% -1.8pp YoY -0.9pp QoQ	-3.3pp	9.2%	8.7%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	21.9% 0.0pp YoY -0.3pp QoQ	+4.8pp	17.2%	12.9%	12.5%	76%
CRE	46.1% -5.6pp YoY -2.5pp QoQ	+4.1pp	42.0%	50.6%	41.4%	55%
1-4 Family	28.8% +7.1pp YoY +3.6pp QoQ	+5.7pp	23.1%	30.7%	31.3%	74%
Consumer	3.1% -0.4pp YoY -0.2pp QoQ	-9.8pp	12.9%	3.7%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	12.9% +0.9pp YoY +0.2pp QoQ	-2.4pp	15.3%	19.8%	19.7%	49%
Leverage Ratio	9.9% +0.1pp YoY -0.1pp QoQ	-0.5pp	10.4%	13.9%	12.6%	42%
Total Capital Ratio	14.1% +1.0pp YoY +0.3pp QoQ	-2.4pp	16.5%	21.1%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	704 +12 (+1.7%) YoY +5 (+0.7%) QoQ	-2,554	3,258	295	482	13%
Assets per Employee ($)	$14.6M -2.1% YoY +3.2% QoQ	-$12.4M	$27.0M	$10.3M	$8.8M	61%
Branch Count	24 +3 (+14.3%) YoY 0 QoQ	-114	137	13	18	27%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.3%	0.4%	42%
Nonaccrual	2.5% +1.3pp YoY -0.1pp QoQ	+1.8pp	0.7%	0.7%	1.0%	98%
Allowance Coverage	0.50x -52.4% YoY +11.0% QoQ	-2.31x	2.81x	16.62x	20.23x	7%
Net Charge-off Rate (YTD)	0.3% -0.3pp YoY -0.2pp QoQ	-0.2pp	0.4%	0.2%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	9.1% +0.8pp YoY +0.4pp QoQ	-3.5pp	12.6%	9.3%	11.6%	28%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.3pp	2.0%	1.8%	1.7%	67%
Net Income ($, YTD)	$44.9M +11.6% YoY — QoQ	-$252.0M	$296.8M	$25.2M	$40.4M	5%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#3 of 26 • Bottom 7.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.90%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

26 of 26 Large banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

137

Total Assets

size

Value: $10.27B

Peer Median: $43.60B

#137 of 139 Bottom 2.2% in $10B-$250B

136

Total Deposits

size

Value: $8.36B

Peer Median: $35.42B

#136 of 139 Bottom 2.9% in $10B-$250B

134

Nonperforming Asset Ratio

credit_quality

Value: 1.82%

Peer Median: 0.73%

#134 of 139 Bottom 4.3% in $10B-$250B

133

Delinquency Rate

credit_quality

Value: 2.52%

Peer Median: 1.01%

#133 of 138 Bottom 4.3% in $10B-$250B

132

Total Loans

size

Value: $6.78B

Peer Median: $27.97B

#132 of 139 Bottom 5.8% in $10B-$250B

119

Return on Assets

profitability

Value: 0.90%

Peer Median: 1.39%

#119 of 139 Bottom 15.1% in $10B-$250B

116

Efficiency Ratio

profitability

Value: 65.00%

Peer Median: 53.67%

#116 of 139 Bottom 17.3% in $10B-$250B