Amerant Bank, National Association is a national bank headquartered in Coral Gables, Florida, in business for about 47 years. At the end of Q2 2026 it reported $10.3B in total assets and $8.4B in deposits, with 24 offices.
Amerant Bank, National Association has a TellerScore of 43 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 132 banks with $10 billion – $100 billion. Among 82 banks headquartered in Florida, it ranks 80th. Problem-loan coverage contributes the most (65/100, 17.4%); loan quality contributes the least (17/100, 2.49%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 12 points (55 → 43), mostly because the loan quality component weakened by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 40 |
| Q4 2024 | 43 |
| Q1 2025 | 47 |
| Q2 2025 | 55 |
| Q3 2025 | 48 |
| Q4 2025 | 39 |
| Q1 2026 | 42 |
| Q2 2026 | 43 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.09% |
| Q3 2024 | 9.34% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.69% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.57% |
| Q4 2025 | 9.47% |
| Q1 2026 | 10.02% |
| Q2 2026 | 9.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.71% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.79% |
| Q4 2025 | 2.56% |
| Q1 2026 | 2.61% |
| Q2 2026 | 2.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | -0.32% |
| Q4 2024 | -0.04% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $10.3B | 9.88% | 2.49% | 0.90% | 81.1% |
| Q1 2026 | 42 | $9.9B | 10.02% | 2.61% | 0.87% | 84.0% |
| Q4 2025 | 39 | $9.8B | 9.47% | 2.56% | 0.64% | 84.8% |
| Q3 2025 | 48 | $10.4B | 9.57% | 1.79% | 0.75% | 82.1% |
| Q2 2025 | 55 | $10.3B | 9.76% | 1.15% | 0.79% | 85.4% |
| Q1 2025 | 47 | $10.1B | 9.69% | 1.71% | 0.61% | 86.4% |
| Q4 2024 | 43 | $9.9B | 9.50% | 1.43% | -0.04% | 90.3% |
| Q3 2024 | 40 | $10.3B | 9.34% | 1.52% | -0.32% | 91.1% |
| Q2 2024 | 46 | $9.7B | 9.09% | 1.38% | 0.44% | 91.9% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Seacoast National BankBank Stuart, FL | 63 out of 100, Moderate | $21.3B | 9.8% | 0.66% | vs |
| City National Bank of FloridaBank Miami, FL | 64 out of 100, Moderate | $29.1B | 11.4% | 0.81% | vs |
| BankUnited, National AssociationBank Miami Lakes, FL | 47 out of 100, Below average | $34.9B | 9.4% | 1.69% | vs |
| Raymond James BankBank Saint Petersburg, FL | 69 out of 100, Moderate | $45.6B | 8.0% | 0.28% | vs |
| EverBank, National AssociationBank Jacksonville, FL | 54 out of 100, Below average | $46.7B | 9.0% | 1.42% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |
Deposit insurance
Is my money safe at Amerant Bank, National Association?
Yes. Amerant Bank, National Association is an FDIC-insured institution (FDIC certificate #22953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.7% of deposits ($3.9B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.15% (benchmark: 10%).
24 locations
Branches
Amerant Bank, National Association lists 24 offices in 17 cities. Most locations:
- Miami, FL (4)
- Coral Gables, FL (2)
- Doral, FL (2)
- Fort Lauderdale, FL (2)
- Tampa, FL (2)
- Aventura, FL (1)
- Bay Harbor Islands, FL (1)
- Boca Raton, FL (1)
- Coral Springs, FL (1)
- Davie, FL (1)
- Delray Beach, FL (1)
- Hialeah, FL (1)
HMDA 2025
Mortgage lending
In 2025, Amerant Bank, National Association reported 653 home-loan applications under HMDA (LEI UPMVBH3EU3LS6P1KR697): 356 originated ($187,820,000 total), 207 denied, and 67 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Amerant Bank, National Association
- Former names
- Commercebank, National Association; The Gold Coast National Bank; Mercantil Commercebank, National Association; Mercantil Bank, National Association
- Type
- National bank
- FDIC certificate #
- 22953
- RSSD ID
- 83638
- Primary regulator
- OCC
- Holding company
- Amerant Bcorp Inc
- Established
- September 17, 1979
- Headquarters
- 220 Alhambra Cir, Coral Gables, FL 33134
- Website
- www.amerantbank.com
- Employees
- 704
Quick answers
Amerant Bank, National Association: common questions
Is Amerant Bank, National Association FDIC insured?
Yes. Amerant Bank, National Association is an FDIC-insured institution (FDIC certificate #22953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Amerant Bank, National Association's TellerScore?
43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Amerant Bank, National Association ever failed?
There is no failure record for FDIC certificate #22953 in the FDIC failed bank list.
How many branches does Amerant Bank, National Association have?
24 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Coral Gables
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |