---
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"
generated_at: "2026-05-17T01:57:48.031370+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001734342-25-000063
- JSON: https://secwatch.observer/filing/0001734342-25-000063.json
- Plain text: https://secwatch.observer/filing/0001734342-25-000063.txt

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