Total Assets
$9.8B
Total balance-sheet footings
FDIC Cert #22953 · Coral Gables, Florida · Est. 1979
Amerant Bank, National Association - FDIC Bank Health Profile
A community-scale look at Amerant Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $9.8B
- Total assets
- C
- Health grade · Fair
- 0.64%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
Amerant Bank, National Association earns a PlainBankData health grade of C (63/100), with well-capitalized at 12.35% Tier 1, 0.64% ROA, 71% efficiency ratio.
- #158
- largest of 4,313 FDIC banks by assets
- 96th
- percentile by asset size, nationally
- 12.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 21st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Amerant Bank, National Association's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Amerant Bank, National Association's composite health score
Tier 1 Capital Ratio (12.35%) 35/40
Return on Assets (ROA) (0.64%) 14/25
Texas Ratio (16.20%) 10/20
Efficiency Ratio (71.43%) 4/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$7.8B
Customer-funded liabilities
Net Loans
$6.6B
Outstanding loan book
Net Income
$65M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Amerant Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Amerant Bank, National Association's score of 63/100 falls in the highlighted band.
Amerant Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Amerant Bank, National Association's $9.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.35%
Texas Ratio
16.20%
Equity Capital
$978M
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.64%
Return on Equity (ROE)
6.67%
Efficiency Ratio
71.43%
What the numbers say about Amerant Bank, National Association
Amerant Bank, National Association is an FDIC-insured institution (Certificate #22953) headquartered in Coral Gables, Florida, established in 1979. It holds $9.8B in total assets - 158th of 4,313 FDIC-insured banks, $7.8B in customer deposits, and $6.6B in net loans. On safety, its Tier 1 capital ratio of 12.35% is above the 10% well-capitalized threshold, and its Texas Ratio of 16.20% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (63/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Amerant Bank, National Association's asset base places it among the largest FDIC-insured institutions in the country, 158th of 4,313 nationally, and 7th of 83 banks headquartered in Florida. Only Seacoast National Bank ($20.8B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$597M
Interest Income
$63M
Non-Interest Income
$308M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Amerant Bank, National Association reports a Texas Ratio of 16.20% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Amerant Bank, National Association (FDIC Cert #22953) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Ocean BankMiami | $7.4B | B | 0.92% |
| Emigrant BankMiami | $5.8B | A | 1.35% |
Frequently asked questions
What is Amerant Bank, National Association's health grade?▼
Amerant Bank, National Association receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Amerant Bank, National Association?▼
Amerant Bank, National Association holds $9.8B in total assets and $7.8B in deposits, ranking 158th of 4,313 FDIC-insured banks by asset size. It is headquartered in Coral Gables, Florida.
Is my money safe at Amerant Bank, National Association?▼
Yes, deposits at Amerant Bank, National Association (Certificate #22953) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Amerant Bank, National Association's Tier 1 Capital Ratio?▼
Amerant Bank, National Association has a Tier 1 Capital Ratio of 12.35%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Amerant Bank, National Association?▼
Amerant Bank, National Association has a Texas Ratio of 16.20%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Amerant Bank, National Association?▼
Amerant Bank, National Association has an Efficiency Ratio of 71.43%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Amerant Bank, National Association's profile as a depositor or analyst.
- Amerant Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Amerant Bank, National Association against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.