---
schema_version: "secwatch.filing_event.v1"
accession: "0001734342-23-000005"
form_type: "8-K"
ticker: "AMTB"
cik: "0001734342"
company_name: "Amerant Bancorp Inc."
filed_at: "2023-01-19T23:59:59+00:00"
generated_at: "2026-06-20T13:10:31.647050+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Amerant reports Q4 2022 net income $18.8M, EPS $0.55; adopts CECL

## Summary
- Net income $18.8M ($0.55 diluted EPS) in Q4 2022; full-year net income $63.3M ($1.85 EPS).
- Provision for credit losses $20.9M, including $11.1M retroactive CECL adoption impact; core net income $22.0M ($0.65 EPS).
- Total assets $9.1B (+19.5% YoY); gross loans $6.92B (+24.3% YoY); deposits $7.04B (+25.1% YoY).
- Net interest margin 3.96% (vs 3.17% in 4Q21); NII $82.2M (+47.3% YoY).
- Board declares $0.09 cash dividend payable Feb 28, 2023 to shareholders of record Feb 13, 2023.

## SEC filing metadata
- accession: 0001734342-23-000005
- form_type: 8-K
- ticker: AMTB
- cik: 0001734342
- company_name: Amerant Bancorp Inc.
- filed_at: 2023-01-19T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1734342/000173434223000005/0001734342-23-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1734342/000173434223000005/amtb-20230119.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001734342-23-000005
- JSON: https://secwatch.observer/filing/0001734342-23-000005.json
- Plain text: https://secwatch.observer/filing/0001734342-23-000005.txt

## Key facts
- Earnings Releases
  Amerant Bancorp Inc. reported the fiscal quarter and year ended December 31, 2022 results: net income $18.8 million in the fourth quarter of 2022, EPS $0.55 per diluted share.
  - Period: the fiscal quarter and year ended December 31, 2022
  - Net income: $18.8 million in the fourth quarter of 2022
  - EPS: $0.55 per diluted share
  - Result: reported results
  source text: On January 19, 2023, Amerant Bancorp Inc. (the "Company") issued a press release to report the Company’s financial results for the fiscal quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1734342/000173434223000005/0001734342-23-000005-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.