Risk factors

Amerant Bancorp (AMTB) risk factors

Item 1A of every Amerant Bancorp Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    51 risks, 3 new, 4 dropped, 15 reworded since the prior year. Amerant faces heightened commercial real estate concentration risks amid declining mortgage origination capacity from Amerant Mortgage's wind-down. Venezuelan deposits remain stable at 25% or approximately $1.9 billion of total deposits.

    Filed Feb 27, 2026
  • FY2024 10-K risk factors

    52 risks. Amerant Bancorp faces heavy exposure to commercial real estate loans, interest rate shifts, and geographic concentration in Florida. Significant reliance on Venezuelan resident deposits creates unique geopolitical and operational vulnerability for the bank.

    Filed Mar 05, 2025