{"schema_version":"secwatch.filing_event.v1","accession":"0001734342-25-000063","form_type":"8-K","ticker":"AMTB","cik":"0001734342","company_name":"Amerant Bancorp Inc.","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.277766+00:00","generated_at":"2026-05-17T01:57:48.031370+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Amerant Q3 net income falls to $14.8M ($0.35 EPS) from $23.0M; provision jumps 141%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001734342-25-000063","json":"https://secwatch.observer/filing/0001734342-25-000063.json","markdown":"https://secwatch.observer/filing/0001734342-25-000063.md","text":"https://secwatch.observer/filing/0001734342-25-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1734342/000173434225000063/0001734342-25-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1734342/000173434225000063/amtb-20251028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:57:48.031370+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}