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Amerant Investor Credit Update: Strengthening Credit Risk Management

Amerant (AMTB) | December 30, 2025

By Kevin Allen

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Amerant intensifies efforts to reinforce credit discipline and address non-performing assets.

Credit Administration and Credit Review assessed the risk ratings for a significant portion of the loan portfolio.

Weekly all-hands leadership meetings focus on special assets for streamlined coordination.

Credit Quality Priority

Amerant commits to providing timely insights into risk profiles.

Loan Portfolio Coverage Analysis

Approximately 85% of commercial loans reviewed in 2025 by Credit Administration and Credit Review.

Criticized Portfolio Management

$94 million transferred from loans held for investment.

  • Deployed additional resources to expedite reviews and incorporate risk rating updates.
  • Focused efforts on resolving criticized credits, including loan sales and collections from charged-off loans.

Amerant's dedication to strengthening credit risk management establishes a solid foundation for sustainable growth.