Amerant Q3 net income falls to $14.8M ($0.35 EPS) from $23.0M; provision jumps 141%

Amerant Bancorp Inc.

2025-Q3 EPS reported $1.19

Net income $14.8M ($0.35 diluted EPS) vs $23.0M ($0.55) in Q2; PPNR down 6.3% to $33.6M.
Provision for credit losses surged to $14.6M from $6.1M, driven by reserve build and charge-offs.
Non-performing assets rose 42.9% to $139.9M; management targets NPL reduction and resuming buybacks.
Net interest margin improved to 3.92% from 3.81%; net interest income up 4.1% to $94.2M.
Board declared $0.09/share dividend, payable Nov 28 to holders of record Nov 14.

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