Form 8-K

8-K — Amerant Bancorp Inc.

Accession: 0001734342-26-000071

Filed: 2026-07-23

Period: 2026-07-23

CIK: 0001734342

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — amtb-20260723.htm (Primary)

EX-99.1 (amerant2q2026earningsreleaa.htm)

EX-99.2 (meidmasterearningsdeck06.htm)

EX-99.3 (amerantdividenddeclaration.htm)

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8-K

8-K (Primary)

Filename: amtb-20260723.htm · Sequence: 1

amtb-20260723

0001734342false00017343422026-07-232026-07-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 23, 2026

Amerant Bancorp Inc.

(Exact name of registrant as specified in its charter)

Florida   001-38534   65-0032379

(State or other jurisdiction

of incorporation   (Commission

file number)   (IRS Employer

Identification Number)

220 Alhambra Circle

Coral Gables, Florida

33134

(Address of principal executive offices) (Zip Code)

(305) 460-8728

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbols Name of exchange on which registered

Class A Common Stock AMTB New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On July 23, 2026, Amerant Bancorp Inc. (the "Company") issued a press release to report the Company’s financial results for the fiscal quarter June 30, 2026. The press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated by reference to this Item 2.02.

In accordance with General Instruction B.2. of Form 8-K, the information in this Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 7.01 Regulation FD Disclosure

On July 24, 2026, the Company will hold a live audio webcast to discuss its financial results for the fiscal quarter ended June 30, 2026. In connection with the webcast, the Company is furnishing to the U.S. Securities and Exchange Commission the earnings slide presentation attached as Exhibit 99.2 to this Current Report on Form 8-K and incorporated by reference to this Item 7.01.

In accordance with General Instruction B.2 of Form 8-K, the information in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2 attached hereto, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such a filing.

Item 8.01 Other Events

On July 23, 2026, the Company also issued a press release announcing that the Company's Board of Directors (the “Board”) declared a cash dividend of $0.09 per share of its Class A common stock. The dividend is payable on August 28, 2026, to shareholders of record at the close of business on August 14, 2026.

A copy of the press release is attached as Exhibit 99.3 to this Current Report on Form 8-K.

Item 9.01 Financial Statements and Exhibits

Number

Exhibit

99.1

Press Release of Amerant Bancorp Inc., dated July 23, 2026

99.2

Earnings slide presentation of Amerant Bancorp Inc., dated July 24, 2026

99.3

Press Release of Amerant Bancorp Inc., dated July 23, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: July 23, 2026   Amerant Bancorp Inc.

By:   /s/ Julio V. Pena

Name: Julio V. Pena

Title:  Executive Vice President,

Associate General Counsel and Corporate Secretary

EX-99.1

EX-99.1

Filename: amerant2q2026earningsreleaa.htm · Sequence: 2

Document

CONTACTS:

Investors

Laura Rossi

InvestorRelations@amerantbank.com

(305) 460-8728

Media

Alexis Dominguez

MediaRelations@amerantbank.com

(305) 441-8412

AMERANT REPORTS SECOND QUARTER 2026 RESULTS

CORAL GABLES, FLORIDA, July 23, 2026. Amerant Bancorp Inc. (NYSE: AMTB) (the “Company” or “Amerant”) today reported net income attributable to the Company of $21.0 million in the second quarter of 2026, or $0.53 earnings per diluted share, compared to net income of $17.9 million, or $0.44 earnings per diluted share, in the first quarter of 2026.

“We delivered a strong second quarter, with net income increasing to $21.0 million, or $0.53 per diluted share, supported by continued balance sheet growth, solid deposit generation and disciplined expense management,” said Carlos Iafigliola, President and Chief Executive Officer. “Importantly, core deposits grew 9.4% from the prior quarter, particularly in non-interest bearing deposits, and profitability improved, with ROA and ROE increasing to 0.84% and 9.23%, respectively. We also continued to make progress on credit, with classified loans declining meaningfully, while maintaining strong capital levels and returning capital to shareholders through our share repurchase activity and quarterly dividend. These results reflect the ongoing execution of our strategic priorities and the strength of our franchise.”

Below are the results for 2Q26 and their comparison to 1Q26:

•Total assets were $10.3 billion, up by $390.7 million, or 3.9%, compared to $9.9 billion.

•Total gross loans, which includes all loans held for sale, were $6.9 billion, up by $111.8 million, or 1.7%, compared to $6.8 billion.

•Cash and cash equivalents were $301.1 million, up by $112.4 million, or 59.6%, compared to $188.7 million.

•Total investments were $2.6 billion, up by $177.5 million, or 7.3%, compared to $2.4 billion.

•Total deposits were $8.4 billion, up by $416.2 million, or 5.2%, compared to $7.9 billion.

•Core deposits were $6.4 billion, up by $552.6 million, or 9.4%, compared to $5.9 billion.

•Total advances from the Federal Home Loan Bank (“FHLB”) were $702.6 million, down by $29.7 million, or 4.0%, compared to $732.3 million.

1

•Net Interest Margin (“NIM”) was 3.52%, compared to 3.55%.

•Average yield on loans was 6.22%, compared to 6.38%.

•Average cost of total deposits was 2.21%, compared to 2.31%.

•Loan to deposit ratio was 82.17%, compared to 85.07%.

•Asset Quality and Allowance for Credit Losses (“ACL”):

–Total non-performing assets were $186.6 million, down by $5.0 million, or 2.6%, compared to $191.6 million. As of 2Q26, non-performing assets consist of $171.1 million in non-performing loans and $15.5 million in Other Real Estate Owned (“OREO”).

–The ACL was $85.5 million compared to $79.2 million.

–Classified loans were $273.1 million, down by $47.2 million, or 14.7%, compared to $320.3 million, while non-performing loans were $171.1 million, down $5.0 million, or 2.8%, compared to $176.1 million. The reduction in classified loans was primarily attributable to loan sales during the quarter. Special mention loans were $109.8 million, down $38.5 million, or 25.9%, compared to $148.2 million. The decrease was primarily driven by loan sales and payoffs during the quarter.

–The Company has provided additional details regarding asset quality in the 2Q26 earnings presentation (https://investor.amerantbank.com).

•Assets Under Management and custody (“AUM”) totaled $3.37 billion, down by $52.8 million, or 1.5% from $3.42 billion.

•Pre-tax pre-provision net revenue (“PPNR”)(1) was $31.9 million, up by $1.1 million, or 3.6%, compared to PPNR of $30.7 million.

•Net Interest Income (“NII”) was $82.6 million, up by $2.3 million, or 2.9%, from $80.3 million.

•Provision for credit losses was $4.8 million, down by $3.1 million, or 39.1%, compared to $7.8 million.

•Noninterest income was $18.2 million, up by $0.8 million, or 4.5%, from $17.4 million.

•Noninterest expense was $68.9 million, up by $2.0 million, or 2.9%, from $66.9 million.

•The efficiency ratio was 68.37%, compared to 68.52%.

•Return on average assets (“ROA”) was 0.84%, compared to 0.73%.

•Return on average equity (“ROE”) was 9.23%, compared to 7.63%.

2

•The Company repurchased an aggregate of 690,000 shares of Class A common stock at a weighted average price of $23.29 per share, or 1.02x of Tangible Book Value ("TBV")(1) and 1.00x of book value per share. The aggregate purchase price for these transactions was approximately $16.1 million.

•On July 22, 2026, the Company’s Board of Directors declared a cash dividend of $0.09 per share of common stock. The dividend is payable on August 28, 2026, to shareholders of record on August 14, 2026.

Additional details on the second quarter 2026 results can be found in the Exhibits and Glossary of Terms and Definitions to this earnings release, and the earnings presentation available under the Investor Relations section of the Company’s website at https://investor.amerantbank.com. See Glossary of Terms and Definitions for definitions of financial terms.

1 Non-GAAP measure, see “Non-GAAP Financial Measures” for more information and Exhibit 2 for a reconciliation to GAAP measures.

Second Quarter 2026 Earnings Conference Call

The Company will hold an earnings conference call on Friday, July 24, 2026 at 9:00 a.m. (Eastern Time) to discuss its second quarter 2026 results. The conference call and presentation materials can be accessed via webcast by logging on from the Investor Relations section of the Company’s website at https://investor.amerantbank.com. The online replay will remain available for approximately one month following the call through the above link.

About Amerant Bancorp Inc. (NYSE: AMTB)

Amerant Bancorp Inc. is a bank holding company headquartered in Coral Gables, Florida since 1979. The Company operates through its main subsidiary, Amerant Bank, N.A. (the “Bank”), as well as its other subsidiary Amerant Investments, Inc. The Company provides individuals and businesses with deposit, credit and wealth management services. The Bank, which has operated for over 45 years, is headquartered in Florida and has a network of 23 banking centers – 21 in South Florida and 2 in Tampa, Florida. For more information, visit investor.amerantbank.com.

3

Cautionary Notice Regarding Forward-Looking Statements

This press release contains “forward-looking statements” including statements with respect to the Company’s objectives, expectations and intentions and other statements that are not historical facts. Examples of forward-looking statements include but are not limited to: our future operating or financial performance, including revenues, expenses, expense savings, income or loss and earnings or loss per share, and other financial items; statements regarding expectations, plans or objectives for future operations, products or services, and our expectations on loan recoveries, or reaching positive resolutions on problem loans, or significantly reducing special mention and/or non-performing loans. All statements other than statements of historical fact are statements that could be forward-looking statements. You can identify these forward-looking statements through our use of words such as “may,” “will,” “anticipate,” “assume,” “should,” “indicate,” “would,” “believe,” “contemplate,” “expect,” “estimate,” “continue,” “plan,” “point to,” “project,” “could,” “intend,” “target,” “goals,” “outlooks,” “modeled,” “dedicated,” “create,” and other similar words and expressions of the future.

Forward-looking statements, including those relating to our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions, involve known and unknown risks, uncertainties and other factors, which may be beyond our control, and which may cause the Company’s actual results, performance, achievements, or financial condition to be materially different from future results, performance, achievements, or financial condition expressed or implied by such forward-looking statements. You should not rely on any forward-looking statements as predictions of future events. You should not expect us to update any forward-looking statements, except as required by law. All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, together with those risks and uncertainties described in “Risk factors” in our annual report on Form 10-K for the fiscal year ended December 31, 2025 filed on February 27, 2026 (“the 2025 Form 10-K”), in our quarterly report on Form 10-Q for the quarter ended March 31, 2026, filed on May 1, 2026, and in our other filings with the U.S. Securities and Exchange Commission (the “SEC”), which are available at the SEC’s website www.sec.gov.

Interim Financial Information

Unaudited financial information as of and for interim periods, including the three and six month periods ended June 30, 2026 and 2025, and the three month periods ended March 31, 2026, December 31, 2025 and September 30, 2025, may not reflect our results of operations for our fiscal year ending, or financial condition, as of December 31, 2026, or any other period of time or date.

4

Non-GAAP Financial Measures

The Company supplements its financial results that are determined in accordance with accounting principles generally accepted in the United States of America (“GAAP”) with non-GAAP financial measures, such as “pre-tax pre-provision net revenue (PPNR)”, "tangible common equity ratio", and “tangible stockholders’ equity (book value) per common share”. This supplemental information is not required by, or is not presented in accordance with GAAP. The Company refers to these financial measures and ratios as “non-GAAP financial measures”.

We use certain non-GAAP financial measures, including those mentioned above, both to explain our results to shareholders and the investment community and in the internal evaluation and management of our business. Management believes that these supplementary non-GAAP financial measures and the information they provide are useful to investors since these measures permit investors to view our performance using the same tools that our management uses to evaluate our past performance and prospects for future performance. While we believe that these non-GAAP financial measures are useful in evaluating our performance, this information should be considered as supplemental and not as a substitute for or superior to the related financial information prepared in accordance with GAAP. Additionally, these non-GAAP financial measures may differ from similar measures presented by other companies.

Exhibit 2 reconciles these non-GAAP financial measures to GAAP reported results.

Beginning in the first quarter of 2026, the Company reviewed and updated its use of non‑GAAP financial measures and now presents a limited set of metrics that management uses to evaluate performance and make operating decisions. As part of this update, the Company discontinued the presentation of “Core PPNR”, “core noninterest income”, “core noninterest expense”, “core net income”, “core earnings per share (basic and diluted)”, “core return on assets (Core ROA)”, “core return on equity (Core ROE)”, and “core efficiency ratio” as management determined these measures are no longer primary metrics used internally. This change does not reflect any change in the Company’s underlying business, operations, or GAAP financial results.

5

Exhibit 1- Selected Financial Information

The following table sets forth selected financial information derived from our interim unaudited and annual audited consolidated financial statements.

(in thousands)

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Consolidated Balance Sheets (audited)

Total assets $ 10,294,247 $ 9,903,514 $ 9,777,018 $ 10,410,199 $ 10,334,678

Total investments 2,608,418 2,430,884 2,084,569 2,307,701 1,970,888

Total gross loans (1)

6,865,627 6,753,781 6,697,235 6,941,792 7,189,196

Allowance for credit losses 85,499 79,236 79,276 94,918 86,519

Total deposits 8,355,308 7,939,101 7,786,934 8,300,969 8,306,544

Core deposits (1)

6,444,271 5,891,689 5,790,895 6,203,038 6,143,625

Advances from the Federal Home Loan Bank 702,608 732,263 711,984 831,699 765,000

Subordinated notes 29,880 29,837 29,795 29,752 29,710

Junior subordinated debentures 64,178 64,178 64,178 64,178 64,178

Stockholders' equity

914,369 913,918 938,802 944,940 924,286

Assets under management and custody (1)

3,371,114 3,423,919 3,256,754 3,169,514 3,065,020

Three Months Ended

(in thousands, except percentages, share data and per share amounts)

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Consolidated Results of Operations

Net interest income $ 82,575 $ 80,281 $ 90,150 $ 94,152 $ 90,479

Provision for credit losses (2)

4,750 7,800 3,490 14,600 6,060

Noninterest income 18,162 17,381 22,019 17,291 19,778

Noninterest expense 68,877 66,919 106,772 77,835 74,400

Net income attributable to Amerant Bancorp Inc. 21,043 17,873 2,701 14,756 23,002

Pre-tax pre-provision net revenue (PPNR) (3)

31,860 30,743 5,397 33,608 35,857

Effective income tax rate 22.38% 22.10% (41.64)% 22.37% 22.80%

Common Share Data

Stockholders' book value per common share $ 23.33 $ 22.96 $ 23.13 $ 22.90 $ 22.14

Tangible stockholders' equity (book value) per common share (3)(4)

$ 22.78 $ 22.38 $ 22.56 $ 22.32 $ 21.56

Basic earnings per common share $ 0.54 $ 0.44 $ 0.07 $ 0.35 $ 0.55

Diluted earnings per common share (4)

$ 0.53 $ 0.44 $ 0.07 $ 0.35 $ 0.55

Basic weighted average shares outstanding 39,316,906 40,315,757 40,915,733 41,590,201 41,805,550

Diluted weighted average shares outstanding (4)

39,509,583 40,510,993 41,102,760 41,774,101 41,873,551

Cash dividend declared per common share (5)

$ 0.09 $ 0.09 $ 0.09 $ 0.09 $ 0.09

6

Three Months Ended

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Other Financial and Operating Data (6)

Profitability Indicators (%)

Net interest income / Average total interest earning assets (NIM) (1)

3.52% 3.55  % 3.78% 3.92  % 3.81  %

Net income / Average total assets (ROA)(1)

0.84% 0.73  % 0.10  % 0.57  % 0.90  %

Net income / Average stockholders' equity (ROE) (1)

9.23% 7.63  % 1.12  % 6.21  % 10.06  %

Noninterest income / Total revenue (1)

18.03% 17.80% 19.63% 15.52% 17.94%

Capital Indicators (%)

Total capital ratio (1)

14.34% 14.16  % 14.10% 13.90  % 13.49  %

Tier 1 capital ratio (1)

12.72% 12.62  % 12.58% 12.28  % 11.97  %

Tier 1 leverage ratio (1)

9.70% 9.91  % 9.62% 9.73  % 9.69  %

Common equity tier 1 capital ratio (CET1) (1)

11.94% 11.84  % 11.80% 11.54  % 11.24  %

Tangible common equity ratio (1)(3)(4)

8.69% 9.02  % 9.39% 8.87  % 8.73  %

Liquidity Ratios (%)

Loans to Deposits (1)

82.17% 85.07  % 86.01% 83.63  % 86.55  %

Asset Quality Indicators (%)

Non-performing assets / Total assets (1)

1.81% 1.93  % 1.91% 1.34  % 0.95  %

Non-performing loans / Total gross loans (1)

2.49% 2.61  % 2.56% 1.79  % 1.15  %

Allowance for credit losses / Total non-performing loans

49.97% 45.01  % 46.26% 76.37  % 104.89  %

Allowance for credit losses / Total loans held for investment 1.27% 1.21  % 1.20% 1.37  % 1.20  %

Net charge-offs / Average total loans held for investment (1)

0.08% 0.45  % 1.07% 0.39  % 0.86  %

Efficiency Indicators (% except FTE)

Noninterest expense / Average total assets 2.73% 2.74  % 4.14% 3.01  % 2.91  %

Salaries and employee benefits / Average total assets 1.41% 1.31  % 1.50% 1.36  % 1.41  %

Other operating expenses/ Average total assets (1)

1.33% 1.43  % 2.64% 1.66  % 1.50  %

Efficiency ratio (1)

68.37% 68.52  % 95.19% 69.84  % 67.48  %

FTEs

704 699 694 704 692

__________________

(1)     See Glossary of Terms and Definitions for definitions of financial terms.

(2) In all periods shown, includes reserves on loans and contingent loans. The (reversal of) provision for unfunded commitments (contingencies) in the second and first quarter of 2026, and fourth, third and second quarters of 2025, were ($1.0 million), $1.1 million, $0.7 million, ($0.7 million) and $2.5 million, respectively.

(3) Non-GAAP measure. See “Non-GAAP Financial Measures” for more information and Exhibit 2 for a reconciliation to GAAP.

(4) See 2025 Form 10-K for more information on potential dilutive instruments and their impact on diluted earnings per share computation.

7

(5) In all periods shown, the Company’s Board of Directors declared and paid cash dividends of $0.09 per share of the Company’s common stock. In connection with these dividends, the Company paid an aggregate amount of $3.6 million in the second quarter, $3.7 million in the first quarter of 2026 and fourth quarter of 2025, and $3.8 million per quarter in all other periods.

(6) Operating data for the periods presented have been annualized.

8

Exhibit 2- Non-GAAP Financial Measures Reconciliation

The following tables set forth selected financial information derived from the Company’s interim unaudited and annual audited consolidated financial statements, adjusted for certain items, including the provision for credit losses, income taxes and goodwill and other intangible assets. The Company believes these adjusted numbers are useful to understand the Company’s performance and underlying trends.

Three Months Ended,

(in thousands)

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Net income attributable to Amerant Bancorp Inc. $ 21,043  $ 17,873  $ 2,701  $ 14,756  $ 23,002

Plus: provision for credit losses (1)

4,750  7,800  3,490  14,600  6,060

Plus: provision for income tax expense (benefit) 6,067  5,070  (794) 4,252  6,795

Pre-tax pre-provision net revenue (PPNR)

31,860  30,743  5,397  33,608  35,857

​

(in thousands, except percentages, share data and per share amounts)

June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Stockholders' equity $ 914,369 $ 913,918 $ 938,802 $ 944,940 $ 924,286

Less: goodwill and other intangibles (2)

(21,522) (22,933) (23,103) (23,784) (24,016)

Tangible common stockholders' equity $ 892,847 $ 890,985 $ 915,699 $ 921,156 $ 900,270

Total assets 10,294,247 9,903,514 9,777,018 10,410,199 10,334,678

Less: goodwill and other intangibles (2)

(21,522) (22,933) (23,103) (23,784) (24,016)

Tangible assets $ 10,272,725 $ 9,880,581 $ 9,753,915 $ 10,386,415 $ 10,310,662

Common shares outstanding 39,186,293 39,803,607 40,595,273 41,265,378 41,748,434

Tangible common equity ratio 8.69  % 9.02  % 9.39  % 8.87  % 8.73  %

Stockholders' book value per common share $ 23.33 $ 22.96 $ 23.13 $ 22.90 $ 22.14

Tangible stockholders' equity book value per common share $ 22.78 $ 22.38 $ 22.56 $ 22.32 $ 21.56

____________

(1) Includes provision for credit losses on loans and provision for loan contingencies.

(2) As of June 30, 2026, other intangible assets primarily consist of naming rights. In prior periods, also includes mortgage servicing rights (“MSRs”). Other intangible assets are included in other assets in the Company’s consolidated balance sheets.

9

Exhibit 3 - Average Balance Sheet, Interest and Yield/Rate Analysis

The following tables present average balance sheet information, interest income, interest expense and the corresponding average yields earned and rates paid for the periods presented. The average balances for loans include both performing and non-performing balances. Interest income on loans includes the effects of discount accretion and the amortization of non-refundable loan origination fees, net of direct loan origination costs, accounted for as yield adjustments. Average balances represent the daily average balances for the periods presented.

Three Months Ended

June 30, 2026 March 31, 2026 June 30, 2025

(in thousands, except percentages)  Average

Balances Income/

Expense Yield/

Rates Average Balances Income/ Expense Yield/ Rates Average

Balances Income/

Expense Yield/

Rates

Interest-earning assets:

Loan portfolio, net (1)

$ 6,674,563  $ 103,449  6.22  % $ 6,523,493  $ 102,674  6.38  % $ 7,118,087  $ 122,166  6.88  %

Debt securities available for sale (2) (3)

2,344,767  28,302  4.84  % 2,281,441  26,800  4.76  % 1,769,440  21,931  4.97  %

Debt securities held for trading 209  —  —  % 333  —  —  % 59,331  343  2.32  %

Equity securities with readily determinable fair value not held for trading 2,527  22  3.49  % 2,553  14  2.22  % 2,508  21  3.36  %

Federal Reserve Bank and FHLB stock 57,054  888  6.24  % 57,177  868  6.16  % 57,072  917  6.44  %

Deposits with banks (4) 324,291  2,965  3.67  % 291,145  2,598  3.62  % 514,478  5,643  4.40  %

Other short-term investments 3,856  35  3.64  % 7,182  63  3.56  % 7,046  74  4.21  %

Total interest-earning assets 9,407,267  135,661  5.78  % 9,163,324  133,017  5.89  % 9,527,962  151,095  6.36  %

Total noninterest-earning assets (5) 700,165  739,439  728,292

Total assets $ 10,107,432  $ 9,902,763  $ 10,256,254

10

Three Months Ended

June 30, 2026 March 31, 2026 June 30, 2025

(in thousands, except percentages)  Average

Balances Income/

Expense Yield/

Rates Average Balances Income/ Expense Yield/ Rates Average

Balances Income/

Expense Yield/

Rates

Interest-bearing liabilities:

Checking and saving accounts

Interest bearing demand, savings, and money market deposits (6) 4,618,118 27,154  2.36  % 4,429,327 26,365  2.41  % 4,451,069 29,597 2.67  %

Time deposits 1,995,007 17,682  3.55  % 2,011,952 18,254  3.68  % 2,149,861 22,285 4.16  %

Total deposits 6,613,125 44,836  2.72  % 6,441,279 44,619  2.81  % 6,600,930 51,882 3.15  %

Securities sold under agreements to repurchase 95  1  4.22  % —  —  —  % 105 1  3.82  %

Advances from the FHLB (7) 712,801 6,935  3.90  % 712,349 6,846  3.90  % 717,260 7,230 4.04  %

Senior notes — —  —  % — —  —  % — 78 —  %

Subordinated notes 29,859 362  4.86  % 29,816 361  4.91  % 29,689 361 4.88  %

Junior subordinated debentures 64,178 952  5.95  % 64,178 910  5.75  % 64,178 1,064 6.64  %

Total interest-bearing liabilities 7,420,058 53,086  2.87  % 7,247,622 52,736  2.95  % 7,412,162 60,616 3.28  %

Noninterest-bearing liabilities:

Noninterest bearing demand deposits

1,533,032 1,396,612 1,637,173

Accounts payable, accrued liabilities and other liabilities 239,723 308,976  289,909

Total noninterest-bearing liabilities

1,772,755 1,705,588 1,927,082

Total liabilities 9,192,813 8,953,210 9,339,244

Stockholders’ equity 914,619 949,553  917,010

Total liabilities and stockholders' equity $ 10,107,432  $ 9,902,763  $ 10,256,254

Excess of average interest-earning assets over average interest-bearing liabilities $ 1,987,209  $ 1,915,702  $ 2,115,800

Net interest income $ 82,575  $ 80,281  $ 90,479

Net interest rate spread 2.91  % 2.94  % 3.08  %

Net interest margin (7) 3.52  % 3.55  % 3.81  %

Cost of total deposits (7) 2.21  % 2.31  % 2.53  %

Ratio of average interest-earning assets to average interest-bearing liabilities 126.78  % 126.43  % 128.54  %

Average non-performing loans/ Average total loans 2.55  % 2.39  % 1.35  %

11

Six Months Ended

June 30, 2026 June 30, 2025

(in thousands, except percentages)  Average

Balances Income/

Expense Yield/

Rates Average Balances Income/ Expense Yield/ Rates

Interest-earning assets:

Loan portfolio, net (1) $ 6,599,445  $ 206,123  6.30  % $ 7,145,968  $ 243,187  6.86  %

Debt securities available for sale (2)(3) 2,313,279 55,102  4.80  % 1,622,123 39,895  4.96  %

Debt securities held for trading 271 —  —  % 29,907 343  2.31  %

Equity securities with readily determinable fair value not held for trading 2,540 36  2.86  % 2,503 40  3.22  %

Federal Reserve Bank and FHLB stock 57,115 1,756  6.20  % 57,195 1,853  6.53  %

Deposits with banks (4) 307,810 5,563  3.64  % 547,262 12,044  4.44  %

Other short-term investments 5,510 98  3.59  % 6,742 141  4.23  %

Total interest-earning assets 9,285,970 268,678  5.83  % 9,411,700 297,503  6.37  %

Total non-interest-earning assets (5) 719,693 738,283

Total assets $ 10,005,663 $ 10,149,983

Interest-bearing liabilities:

Checking and saving accounts

Interest bearing demand, savings, and money market deposits (6) 4,524,244 53,519  2.39  % 4,318,144 56,726  2.65  %

Time deposits 2,003,432 35,936  3.62  % 2,188,681 46,143  4.25  %

Total deposits 6,527,676 89,455  2.76  % 6,506,825 102,869  3.19  %

Securities sold under agreements to repurchase 48 1  4.20  % 53 1  3.80  %

Advances from the FHLB (7) 712,576 13,781  3.90  % 720,446 14,430  4.04  %

Senior notes — —  —  % 29,776 1,020  6.91  %

Subordinated notes 29,839 723  4.89  % 29,668 722  4.91  %

Junior subordinated debentures 64,178 1,862  5.85  % 64,178 2,078  6.53  %

Total interest-bearing liabilities 7,334,317 105,822  2.91  % 7,350,946 121,120  3.32  %

Non-interest-bearing liabilities:

Non-interest bearing demand deposits 1,465,199 1,591,227

Accounts payable, accrued liabilities and other liabilities 274,158 293,677

Total non-interest-bearing liabilities 1,739,357 1,884,904

Total liabilities 9,073,674 9,235,850

Stockholders’ equity 931,989 914,133

Total liabilities and stockholders' equity $ 10,005,663  $ 10,149,983

Excess of average interest-earning assets over average interest-bearing liabilities $ 1,951,653  $2,060,754

Net interest income $ 162,856  $ 176,383

Net interest rate spread 2.92  % 3.05  %

Net interest margin (7) 3.54  % 3.78  %

Cost of total deposits (7) 2.26  % 2.56  %

Ratio of average interest-earning assets to average interest-bearing liabilities 126.61  % 128.03  %

Average non-performing loans/ Average total loans 2.47  % 1.39  %

___________

(1)    Includes loans held for investment net of the allowance for credit losses, and loans held for sale. Non-performing loans are included in the total loan portfolio balances.

(2)    Includes the average balance of net unrealized gains and losses in the fair value of debt securities available for sale.

(3)    Includes nontaxable securities with average balances of $51.9 million, $52.9 million and $53.9 million for the three months ended June 30, 2026, March 31, 2026 and June 30, 2025, respectively, and $52.7 million and $54.6 million in the six months ended June 30, 2026 and 2025, respectively. The tax equivalent yield for these nontaxable securities was 4.70%, 4.48%, and 4.81% for the three months ended June 30, 2026, March 31, 2026 and June 30, 2025, respectively, and 4.66% and 4.75% in the six months ended June 30, 2026 and 2025. In 2026 and 2025, the tax equivalent yields were calculated assuming a 21% tax rate and dividing the actual yield by 0.79.

(4)    Deposits with banks in this table include time deposits with banks maturing in more than three months that are not considered cash and cash equivalents in the Company's consolidated balance sheet.

(5) Excludes the allowance for credit losses.

12

(6) To emphasize material items, certain line items previously presented separately in prior periods have been aggregated into a single line item in this table. This includes interest-bearing demand, savings, and money market deposits. The presentation for the three and six months ended June 30, 2025 has been conformed accordingly for comparability.

(7) See Glossary of Terms and Definitions for definitions of financial terms.

13

Exhibit 4 - Noninterest Income

This table shows the amounts of each of the categories of noninterest income for the periods presented.

Three Months Ended Six Months Ended June 30,

June 30, 2026 March 31, 2026 June 30, 2025 2026 2025

(in thousands, except percentages) Amount % Amount % Amount % Amount % Amount %

Deposits and service fees $ 5,419  29.8  % $ 4,872  28.0  % $ 4,968  25.1  % $ 10,291  29.0  % $ 10,105  25.7  %

Brokerage, advisory and fiduciary activities 5,630  31.0  % 5,461  31.4  % 4,993  25.2  % 11,091  31.2  % 9,722  24.7  %

Change in cash surrender value of bank owned life insurance (“BOLI”)(1)

2,629  14.5  % 2,564  14.8  % 2,490  12.6  % 5,193  14.6  % 4,940  12.6  %

Cards and trade finance servicing fees 1,432  7.9  % 1,439  8.3  % 1,804  9.1  % 2,871  8.1  % 3,196  8.1  %

Gain on early extinguishment of FHLB advances, net 54  0.3  % —  —  % —  —  % 54  0.2  % —  —  %

Securities gains, net (2)

408  2.2  % 516  3.0  % 1,779  9.0  % 924  2.6  % 1,843  4.7  %

Loan-level derivative income (3)

1,174  6.5  % 1,531  8.8  % 3,204  16.2  % 2,705  7.6  % 4,712  12.0  %

Derivative losses, net (4)

—  —  % —  —  % (1,852) (9.4) % —  —  % (1,852) (4.7) %

Other noninterest income (5)

1,416  7.8  % 998  5.7  % 2,392  12.2  % 2,414  6.7  % 6,637  16.9  %

Total noninterest income $ 18,162  100.0  % $ 17,381  100.0  % $ 19,778  100.0  % $ 35,543  100.0  % $ 39,303  100.0  %

__________________

(1)    Changes in cash surrender value of BOLI are not taxable.

(2) In the three and six months ended June 30, 2026, includes realized gains on the sale of debt securities available for sale of $0.4 million and $0.9 million, respectively. In the three and six months ended June 30, 2025, amounts are primarily in connection with gains on market valuation of trading securities.

(3) Income from interest rate swaps and other derivative transactions with customers.

(4) In the three and six months ended June 30, 2025, includes net unrealized losses in connection with TBA MBS derivative contracts.

(5) Other sources of income in the periods shown include foreign currency exchange transactions with customers, mortgage banking income and loss and other smaller revenue streams.

14

Exhibit 5 - Noninterest Expense

This table shows the amounts of each of the categories of noninterest expense for the periods presented.

Three Months Ended Six Months Ended June 30,

June 30, 2026 March 31, 2026 June 30, 2025 2026 2025

(in thousands, except percentages) Amount % Amount % Amount % Amount % Amount %

Salaries and employee benefits $ 35,446  51.5  % $ 32,040  47.9  % $ 36,036  48.4  % $ 67,486  49.7  % $ 69,383  47.5  %

Occupancy and equipment 4,995  7.3  % 5,423  8.1  % 5,491  7.4  % 10,418  7.7  % 11,627  8.0  %

Professional and other services fees

13,087  19.0  % 11,416  17.1  % 13,549  18.2  % 24,503  18.0  % 28,231  19.3  %

Telecommunications and data processing 3,627  5.3  % 3,537  5.3  % 2,929  3.9  % 7,164  5.3  % 6,404  4.4  %

Depreciation and amortization 1,472  2.1  % 1,517  2.3  % 1,551  2.1  % 2,989  2.2  % 3,139  2.2  %

FDIC assessments and insurance 2,472  3.6  % 2,850  4.3  % 2,896  3.9  % 5,322  3.9  % 6,132  4.2  %

Losses on loans held for sale carried at the lower of cost or fair value, net (1)

1,118  1.6  % 1,823  2.7  % —  —  % 2,941  2.2  % —  —  %

Advertising expenses 4,274  6.2  % 2,939  4.4  % 4,819  6.5  % 7,213  5.3  % 8,454  5.8  %

Other real estate owned and repossessed assets (income) expense, net (253) (0.4) % (232) (0.3) % 601  0.8  % (485) (0.4) % 765  0.5  %

Other operating expenses (2) (3)

2,639  3.8  % 5,606  8.2  % 6,528  8.8  % 8,245  6.1  % 11,819  8.1  %

Total noninterest expense

$ 68,877  100.0  % $ 66,919  100.0  % $ 74,400  100.0  % $ 135,796  100.0  % $ 145,954  100.0  %

___

(1) Includes losses on sale and valuation allowance provisions and releases on losses on loans held for sale.

(2) For a detailed discussion of the key components of other operating expenses, see the Company’s Form 10-K for the year ended December 31, 2025.

(3) Loan-level derivative expenses previously presented separately for the three months ended March 31, 2026, and the three and six-month periods ended June 30, 2025, have been reclassified and are now included in this category.

15

Exhibit 6 - Consolidated Balance Sheets

(in thousands, except share data) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Assets (audited)

Cash and due from banks and restricted cash

$ 41,042  $ 63,416  $ 53,478  $ 53,084  $ 56,381

Interest earning deposits with banks 260,090  117,997  409,444  570,612  573,373

Other short-term investments —  7,294  7,233  7,162  7,083

Cash and cash equivalents 301,132  188,707  470,155  630,858  636,837

Time deposits with other banks 500  —  —  —  —

Securities

Debt securities available for sale, at fair value 2,549,256  2,370,308  2,024,883  2,122,416  1,788,708

Trading securities

—  —  —  119,935  120,226

Equity securities with readily determinable fair value not held for trading 2,537  2,528  2,548  2,542  2,525

Federal Reserve Bank and Federal Home Loan Bank stock 56,625  58,048  57,138  62,808  59,429

Securities 2,608,418  2,430,884  2,084,569  2,307,701  1,970,888

Loans held for sale, at the lower of cost or fair value (1)

122,172  190,014  80,912  —  —

Mortgage loans held for sale, at fair value 389  895  2,932  —  6,073

Loans held for investment, gross 6,743,066  6,562,872  6,613,391  6,941,792  7,183,123

Less: Allowance for credit losses (2)

85,499  79,236  79,276  94,918  86,519

Loans held for investment, net 6,657,567  6,483,636  6,534,115  6,846,874  7,096,604

Bank owned life insurance 265,362  263,208  260,644  258,042  255,487

Deferred tax assets, net 47,656  42,532  35,566  46,881  50,966

Operating lease right-of-use assets 107,522  108,980  110,588  102,872  102,558

Accrued interest receivable and other assets

183,529  194,658  197,537  216,971  215,265

Total assets $ 10,294,247  $ 9,903,514  $ 9,777,018  $ 10,410,199  $ 10,334,678

Liabilities and Stockholders' Equity

Deposits

Demand

Noninterest bearing $ 1,708,111  $ 1,466,670  $ 1,573,301  $ 1,768,764  $ 1,706,580

Interest bearing demand, savings and money market 4,736,160  4,425,019  4,217,594  4,434,274  4,437,045

Time 1,911,037  2,047,412  1,996,039  2,097,931  2,162,919

Total deposits 8,355,308  7,939,101  7,786,934  8,300,969  8,306,544

Advances from the Federal Home Loan Bank 702,608  732,263  711,984  831,699  765,000

Subordinated notes 29,880  29,837  29,795  29,752  29,710

Junior subordinated debentures held by trust subsidiaries 64,178  64,178  64,178  64,178  64,178

Operating lease liabilities (3)

115,310  116,456  117,456  109,726  109,226

Accounts payable, accrued liabilities and other liabilities

112,594  107,761  127,869  128,935  135,734

Total liabilities 9,379,878  8,989,596  8,838,216  9,465,259  9,410,392

Stockholders’ equity

Class A common stock 3,917  3,978  4,058  4,125  4,173

Additional paid in capital 283,037  297,503  316,067  327,205  336,021

Retained earnings 651,145  633,716  619,552  620,542  609,540

Accumulated other comprehensive loss (23,730) (21,279) (875) (6,932) (25,448)

Total stockholders' equity 914,369  913,918  938,802  944,940  924,286

Total liabilities and stockholders' equity $ 10,294,247  $ 9,903,514  $ 9,777,018  $ 10,410,199  $ 10,334,678

16

__________

(1) As of June 30, 2026, March 31, 2026 and December 31, 2025, includes valuation allowances of $2.7 million, $3.4 million and $13.8 million, respectively.

(2) In the first quarter of 2026, the Company early adopted ASU 2025‑08, which expands the use of the gross‑up approach for certain purchased loans and eliminates Day 1 credit loss expense. As a result, in the second and first quarters of 2026, the Company recorded an allowance for credit losses of $1.9 million and $0.5 million, respectively, on approximately $149.5 million and $36.8 million of acquired loans, respectively, with no day 1 impact to earnings.

(3) Consists of total long-term lease liabilities. Total short-term lease liabilities are included in other liabilities.

Exhibit 7 - Loans

Loans by Type - Held For Investment

The loan portfolio held for investment consists of the following loan classes:

(in thousands) June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025 June 30,

2025

Real estate loans (audited)

Commercial real estate

Non-owner occupied $ 1,526,962  $ 1,501,909  $ 1,591,861  $ 1,656,180  $ 1,770,403

Multi-family residential 234,116  261,332  322,447  361,650  371,692

Land development and construction loans 512,272  505,007  534,028  544,727  543,697

2,273,350  2,268,248  2,448,336  2,562,557  2,685,792

Single-family residential 1,954,193  1,680,768  1,515,181  1,550,724  1,542,447

Owner occupied 732,190  790,445  809,336  900,596  983,090

4,959,733  4,739,461  4,772,853  5,013,877  5,211,329

Commercial loans 1,488,182  1,485,438  1,446,406  1,519,778  1,566,420

Loans to financial institutions and acceptances 85,492  112,667  148,602  164,974  156,918

Consumer loans and overdrafts

209,659  225,306  245,530  243,163  248,456

Total loans $ 6,743,066  $ 6,562,872  $ 6,613,391  $ 6,941,792  $ 7,183,123

17

Loans by Type - Held For Sale

The loan portfolio held for sale consists of the following loan classes:

(in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025

Loans held for sale at the lower of fair value or cost (audited)

Real estate loans

Commercial real estate

Non-owner occupied $ 63,296  $ 63,908  $ 43,406  $ —  $ —

Multi-family residential 22,722  60,794  —  —  —

Land development and construction loans 23,639  52,613  22,339  —  —

109,657  177,315  65,745  —  —

Owner occupied 12,515  12,699  15,167  —  —

122,172  190,014  80,912  —  —

Total loans held for sale at the lower of fair value or cost

122,172  190,014  80,912  —  —

Mortgage loans held for sale at fair value

Land development and construction loans —  —  —  —  2,056

Single-family residential 389  895  2,932  —  4,017

Total mortgage loans held for sale at fair value

389  895  2,932  —  6,073

Total loans held for sale $ 122,561  $ 190,909  $ 83,844  $ —  $ 6,073

18

Non-Performing Assets

This table shows a summary of our non-performing assets by loan class, which includes non-performing loans, other real estate owned, or OREO, and other repossessed assets at the dates presented. Non-performing loans consist of (i) nonaccrual loans, and (ii) accruing loans 90 days or more contractually past due as to interest or principal.

(in thousands) June 30,

2026 March 31, 2026 December 31,

2025 September 30, 2025 June 30, 2025

Non-Accrual Loans (audited)

Real Estate Loans

Commercial real estate (CRE)

Non-owner occupied $ 9,386  $ 11,172  $ 4,288  $ 4,374  $ 1,022

Multi-family residential 429  —  —  7,018  —

Land development and construction loans (1)

—  —  16,200  19,577  —

9,815  11,172  20,488  30,969  1,022

Single-family residential 31,180  27,346  26,082  8,838  7,421

Owner occupied 40,506  40,745  28,733  15,287  21,027

81,501  79,263  75,303  55,094  29,470

Commercial loans 79,020  85,481  83,761  67,081  51,157

Consumer loans and overdrafts 8,317  8,969  9,204  725  666

Total Non-Accrual Loans (1)

$ 168,838  $ 173,713  $ 168,268  $ 122,900  $ 81,293

Past Due Accruing Loans

Real Estate Loans

Single-family residential —  —  —  —  —

Owner occupied —  —  730  —  —

Commercial 2,252  2,337  2,372  1,392  1,192

Consumer loans and overdrafts —  —  —  —  —

Total Past Due Accruing Loans (2)

$ 2,252  $ 2,337  $ 3,102  $ 1,392  $ 1,192

Total Non-Performing Loans 171,090  176,050  171,370  124,292  82,485

Other Real Estate Owned 15,542  15,542  15,542  15,606  15,389

Total Non-Performing Assets (1)

$ 186,632  $ 191,592  $ 186,912  $ 139,898  $ 97,874

__________________

(1) At December 31, 2025, balances included $16.2 million in land development and construction loans held for sale, which were sold in January 2026. There were no loans both classified as held for sale and in non-performing status in any of the other periods shown.

(2)    Loans past due 90 days or more but still accruing.

19

Loans by Credit Quality Indicators

This table shows the Company’s loans by credit quality indicators. The Company has not purchased credit-deteriorated loans.

June 30, 2026 March 31, 2026 June 30, 2025

(in thousands) Special Mention Substandard Doubtful Total (1) Special Mention Substandard Doubtful Total (1) Special Mention Substandard Doubtful Total (1)

Loans held for investment

Real Estate Loans

Commercial Real

Estate (CRE)

Non-owner

occupied $ 67,222  $ 25,211  $ —  $ 92,433  $ 51,392  $ 32,416  $ —  $ 83,808  $ 44,084  $ 55,382  $ —  $ 99,466

Multi-family residential —  429  —  429  —  22,457  —  22,457  —  8,284  —  8,284

Land development

and

construction

loans 35,939  —  —  35,939  34,590  2,748  —  37,338  26,574  —  —  26,574

103,161  25,640  —  128,801  85,982  57,621  —  143,603  70,658  63,666  —  134,324

Single-family residential —  31,229  —  31,229  —  43,985  43,985  —  7,297  —  7,297

Owner occupied 4,985  77,964  —  82,949  —  72,432  —  72,432  21,076  61,590  —  82,666

108,146  134,833  —  242,979  85,982  174,038  —  260,020  91,734  132,553  —  224,287

Commercial loans 1,634  95,741  —  97,375  2,387  102,039  —  104,426  41,025  82,213  —  123,238

Loans to financial institutions and acceptances —  34,210  —  34,210  —  35,210  —  35,210  —  —  —  —

Consumer loans and

overdrafts —  8,317  —  8,317  —  8,969  —  8,969  —  666  666

Total loans held for investment 109,780  273,101  —  382,881  88,369  320,256  —  408,625  132,759  215,432  —  348,191

Loans held for sale at the lower of cost or fair value

Multi-family residential —  —  —  —  30,920  —  —  30,920  —  —  —  —

Land development and construction loans —  —  —  —  28,952  —  —  28,952  —  —  —  —

Total loans held for sale

—  —  —  —  59,872  —  —  59,872  —  —  —  —

Total $ 109,780  $ 273,101  $ —  $ 382,881  $ 148,241  $ 320,256  $ —  $ 468,497  $ 132,759  $ 215,432  $ —  $ 348,191

__________

(1) There were no loans categorized as “loss” as of the dates presented.

20

Exhibit 8 - Deposits by Country of Domicile

This table shows the Company’s deposits by country of domicile of the depositor as of the dates presented.

(in thousands) June 30,

2026 March 31,

2026 December 31,

2025 September 30,

2025 June 30,

2025

(audited)

Domestic $ 5,133,588  $ 5,228,588  $ 5,168,371  $ 5,732,799  $ 5,707,272

Foreign:

Venezuela 2,491,875  2,005,521  1,910,980  1,881,871  1,897,631

Others 729,845  704,992  707,583  686,299  701,641

Total foreign 3,221,720  2,710,513  2,618,563  2,568,170  2,599,272

Total deposits $ 8,355,308  $ 7,939,101  $ 7,786,934  $ 8,300,969  $ 8,306,544

21

Glossary of Terms and Definitions

•Assets under management and custody: consists of assets held for clients in an agency or fiduciary capacity which are not assets of the Company and therefore are not included in the consolidated financial statements.

•Common equity tier 1 capital ratio, CET1: Tier 1 capital divided by total risk-weighted assets.

•Core deposits: consist of total deposits excluding all time deposits.

•Cost of total deposits: calculated based upon the average balance of total noninterest bearing and interest bearing deposits, which includes time deposits.

•Efficiency ratio: total noninterest expense divided by the sum of noninterest income and NII.

•FTEs: full-time equivalent employees

•Loans to Deposits ratio: calculated as the ratio of total gross loans divided by total deposits.

•Net interest margin, or NIM: defined as net interest income, or NII, divided by average interest-earning assets, which are loans, securities, deposits with banks and other financial assets which yield interest or similar income.

•Non-performing assets include all accruing loans past due by 90 days or more, all nonaccrual loans and other real estate owned (“OREO”) properties acquired through or in lieu of foreclosure, and other repossessed assets.

•Non-performing loans include all accruing loans past due by 90 days or more and all nonaccrual loans.

•Other operating expenses: total noninterest expense less salary and employee benefits.

•Ratio for net charge-offs/average total loans held for investments: calculated based upon the average daily balance of outstanding loan principal balance net of unamortized deferred loan origination fees and costs, excluding the allowance for credit losses.

•ROA is calculated based upon the average daily balance of total assets.

•ROE is calculated based upon the average daily balance of stockholders’ equity.

•Tangible common equity ratio: calculated as the ratio of common equity less goodwill and other intangibles divided by total assets less goodwill and other intangible assets. Other intangible assets primarily consist of naming rights and mortgage servicing rights and are included in other assets in the Company’s consolidated balance sheets.

•The terms of the FHLB advance agreements require the Bank to maintain certain investment securities or loans as collateral for these advances.

•Tier 1 capital: Tier 1 capital is composed of Common Equity Tier 1 (CET1) capital plus outstanding qualifying trust preferred securities of $62.3 million at each of all the dates presented.

•Tier 1 leverage ratio: Tier 1 capital divided by quarter to date average assets.

•Total capital ratio: total stockholders’ equity divided by total risk-weighted assets, calculated according to the standardized regulatory capital ratio calculations.

•Total gross loans: consists of the principal balance of outstanding loans, including loans held for investment, loans held for sale at the lower of cost or fair value, and mortgage loans held for sale, net of unamortized deferred nonrefundable loan origination fees and loan origination costs, unamortized premiums paid on purchased loans and the unamortized balance of initial allowance for credit losses on purchased seasoned loans.

•Total revenue is the result of net interest income before provision for credit losses plus noninterest income.

22

EX-99.2

EX-99.2

Filename: meidmasterearningsdeck06.htm · Sequence: 3

meidmasterearningsdeck06

Second Quarter Earnings Presentation July 24, 2026

2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains “forward-looking statements” including statements with respect to the Company’s objectives, expectations and intentions and other statements that are not historical facts. Examples of forward- looking statements include but are not limited to: our future operating or financial performance, including revenues, expenses, expense savings, income or loss and earnings or loss per share, and other financial items; statements regarding expectations, plans or objectives for future operations, products or services, and our expectations on loan recoveries, or reaching positive resolutions on problem loans, or significantly reducing special mention and/or non-performing loans. All statements other than statements of historical fact are statements that could be forward-looking statements. You can identify these forward-looking statements through our use of words such as “may,” “will,” “anticipate,” “assume,” “should,” “indicate,” “would,” “believe,” “contemplate,” “expect,” “estimate,” “continue,” “plan,” “point to,” “project,” “could,” “intend,” “target,” “goals,” “outlook,” “modeled,” “dedicated,” “create,” and other similar words and expressions of the future. Forward-looking statements, including those relating to our beliefs, plans, objectives, goals, expectations, anticipations, estimates and intentions, involve known and unknown risks, uncertainties and other factors, which may be beyond our control, and which may cause the Company’s actual results, performance, achievements, or financial condition to be materially different from future results, performance, achievements, or financial condition expressed or implied by such forward-looking statements. You should not rely on any forward-looking statements as predictions of future events. You should not expect us to update any forward-looking statements, except as required by law. All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by this cautionary notice, together with those risks and uncertainties described in “Risk factors” in our annual report on Form 10-K for the fiscal year ended December 31, 2025 filed on February 27, 2026, in our quarterly report on Form 10-Q for the quarter ended March 31, 2026, filed on May 1, 2026, and in our other filings with the U.S. Securities and Exchange Commission (the “SEC”), which are available at the SEC’s website www.sec.gov. Interim Financial Information Unaudited financial information as of and for interim periods, including the three and six-month periods ended June 30, 2026 and 2025, and the three-month periods ended March 31, 2026, December 31, 2025 and September 30, 2025, may not reflect our results of operations for our fiscal year ending, or financial condition as of December 31, 2026, or any other period of time or date. Non-GAAP Financial Measures The Company supplements its financial results that are determined in accordance with accounting principles generally accepted in the United States of America (“GAAP”) with non-GAAP financial measures, such as “pre-tax pre-provision net revenue (PPNR)”, "tangible common equity ratio", and “tangible stockholders’ equity (book value) per common share”. This supplemental information is not required by, or is not presented in accordance with GAAP. The Company refers to these financial measures and ratios as “non-GAAP financial measures”. We use certain non-GAAP financial measures, including those mentioned above, both to explain our results to shareholders and the investment community and in the internal evaluation and management of our business. Management believes that these supplementary non-GAAP financial measures and the information they provide are useful to investors since these measures permit investors to view our performance using the same tools that our management uses to evaluate our past performance and prospects for future performance. While we believe that these non-GAAP financial measures are useful in evaluating our performance, this information should be considered as supplemental and not as a substitute for or superior to the related financial information prepared in accordance with GAAP. Additionally, these non-GAAP financial measures may differ from similar measures presented by other companies. Appendix 1 reconciles these non-GAAP financial measures to GAAP reported results. Beginning in the first quarter of 2026, the Company reviewed and updated its use of non-GAAP financial measures and now presents a limited set of metrics that management uses to evaluate performance and make operating decisions. As part of this update, the Company discontinued the presentation of “Core PPNR”, “core noninterest income”, “core noninterest expense”, “core net income”, “core earnings per share (basic and diluted)”, “core return on assets (Core ROA)”, “core return on equity (Core ROE)”, and “core efficiency ratio” as management determined these measures are no longer primary metrics used internally. This change does not reflect any change in the Company’s underlying business, operations, or GAAP financial results.

3 We are executing our Strategic Plan with conviction and momentum, stabilizing the business, optimizing our credit portfolio, and growing sustainably to deliver lasting shareholder value Opening Remarks Completed credit policy reviews and enhanced portfolio management practices Further optimized the loan portfolio by exiting select exposures, out-of- footprint, and criticized loans Additional cost saving initiatives implemented, expected to materialize in 3Q and 4Q and support continued improvement in the efficiency ratio Improved coordination across client-facing teams, and focused on transactional and client profitability to grow revenue over time Focused on loan growth to improve balance sheet positioning and revenue generation capabilities Continued leveraging Amerant's unique position to grow international deposits

4 Key Financial Metrics (2Q26 vs 1Q26) Assets • Total assets were $10.3 billion, compared to $9.9 billion • Cash and cash equivalents were $301.1 million, compared to $188.7 million • Total investment securities were $2.6 billion, compared to $2.4 billion • Total gross loans were $6.9 billion, compared to $6.8 billion Liabilities • Total deposits were $8.4 billion, compared to $7.9 billion • Core deposits were $6.4 billion, compared to $5.9 billion • Brokered deposits were $498.2 million, compared to $548.1 million • FHLB advances were $702.6 million, compared to $732.3 million Off-Balance Sheet • Assets Under Management and custody (“AUM”) totaled $3.37 billion, compared to $3.42 billion

5 Key Financial Metrics (2Q26 vs 1Q26) Income Statement • Net Interest Income (“NII”) was $82.6 million, compared to $80.3 million • Provision for credit losses was $4.8 million, compared to $7.8 million • Noninterest income was $18.2 million, compared to $17.4 million • Noninterest expense was $68.9 million, compared to $66.9 million • Pre-tax pre-provision net revenue (PPNR) (1) was $31.9 million, compared to $30.7 million • Net income attributable to the Company was $21.0 million, compared to net income of $17.9 million Relative Performance Metrics • Net Interest Margin ("NIM") was 3.52%, compared to 3.55% • Diluted earnings per share was $0.53, compared to diluted earnings per share of $0.44 • Efficiency ratio was 68.37%, compared to 68.52% • Return on Assets ("ROA") was 0.84%, compared to 0.73% • Return on Equity ("ROE") was 9.23%, compared to 7.63% (1) Non-GAAP measure, see “Non-GAAP Financial Measures” for more information and Appendix 1 for a reconciliation to GAAP measures.

6 Key Financial Metrics (2Q26 vs 1Q26) (1) Non-GAAP Financial Measures. See Appendix 1 for a reconciliation to GAAP. (2) TCE Ratio: 2Q26 includes $23.7 million accumulated unrealized losses net of taxes, compared to $21.3 million in 1Q26 Capital • Total Capital Ratio was 14.34%, compared to 14.16% • Common Equity Tier 1 was 11.94%, compared to 11.84% • Tangible Common Equity Ratio (1) (2) was 8.69%, compared to 9.02% Capital Management Actions • Paid quarterly cash dividend of $0.09 per common share on May 29, 2026 • Repurchased 690,000 shares for $16.1 million at a weighted average price of $23.29 per share, or 1.02x of Tangible Book Value ("TBV") (1) per share and 1.00x of book value per share • Tangible book value per share (1) was $22.78, compared to $22.38

7 $8,307 $8,301 $7,787 $7,939 $8,355 $4,429 $4,434 $4,218 $4,425 $4,736 $1,528 $1,548 $1,560 $1,499 $1,413 $644 $550 $436 $548 $498 $1,706 $1,769 $1,573 $1,467 $1,708 2.53% 2.41% 2.34% 2.31% 2.21% 2Q25 3Q25 4Q25 1Q26 2Q26 Deposit Composition Loan Composition (2) Transaction Deposits Customer CDs Brokered Deposits (1) Cost of Total Deposits ($ in millions) Noninterest Bearing Demand Deposits Well Diversified Deposit & Loan Mix (1) Brokered Deposits: 2Q25 includes $635 million in time deposits and $9 million in transaction deposits. All other periods primarily consisted of time deposits. $7,189 $6,942 $6,697 $6,753 $6,866 $2,688 $2,563 $2,514 $2,446 $2,383 $1,723 $1,685 $1,595 $1,598 $1,574 $983 $901 $825 $803 $745 $1,546 $1,551 $1,518 $1,681 $1,954 $248 $243 $245 $225 $210 6.88% 6.93% 6.73% 6.38% 6.22% 2Q25 3Q25 4Q25 1Q26 2Q26 Consumer CRE Commercial and FI & Acceptances Owner Occupied Single Family Residential Average Loan Yield ($ in millions) (2) 2Q26, 1Q26, and 4Q25 includes both mortgage loans held for sale carried at fair value and loans held for sale carried at the lower of cost or fair value. There were no loans held for sale in 3Q25, while 2Q25 includes mortgage loans held for sale carried at fair value.

8 $90.5 $94.2 $90.2 $80.3 $82.6 3.81% 3.92% 3.78% 3.55% 3.52% Net Interest Income NIM 2Q25 3Q25 4Q25 1Q26 2Q26 0 10 20 30 40 50 60 70 80 90 NII and NIM (%) 8 ($ in millions) 2Q25 3Q25 4Q25 1Q26 2Q26 Cost of Deposits (Domestic) 3.14 % 3.00 % 2.96 % 3.00 % 2.93 % Cost of Deposits (International) 1.26 % 1.19 % 1.11 % 1.04 % 0.99 % Cost of FHLB Advances 4.04 % 4.00 % 3.90 % 3.90 % 3.90 % Cost of Funds 2.69 % 2.57 % 2.51 % 2.47 % 2.38 % 0.40 0.48 0.53 Cumulative Beta 4Q25 1Q26 2Q26 0.00 0.60 Net Interest Income and NIM Interest-Bearing Deposits Beta Evolution (1) Cost of Funds (1) Beta calculation does not include brokered deposits

9 Non-Performing Loans ($ in millions) $176.1 $30.7 $(5.5) $(13.1) $(17.0) $(0.1) $171.1 1Q26 Downgrades to NPLs Charge-offs Paydowns/Payoffs and Others Loans Sold Upgrades 2Q26 Highlights NPAs were $186.6 million, which includes $171.1 million in NPLs and $15.5 million in OREO. As of 2Q26, the NPLs had the following composition: • $66.5 million had real estate collateral with a weighted avg. LTV of 63% • $66.7 million were cashflow-dependent loans • $12.4 million were secured with other non-real estate collateral types • The remaining loans were collectively evaluated for reserves Subsequent to quarter-end, a NY CRE loan totaling $8.9 million was paid off, further reducing NPLs to $162.2 million.

10 Classified Loans $320.3 $22.1 $(5.5) $(24.3) $(39.5) $273.1 1Q26 Downgrades Charge-offs Paydowns/Payoffs Loans Sold 2Q26 ($ in millions) Highlights As of 2Q26 the Classified loans had the following composition: • $152.0 million had real estate collateral with a weighted avg. LTV of 60% • $85.2 million were cash flow-dependent loans • $12.4 million were secured with other non-real estate collateral types • The remaining loans were collectively evaluated for reserves

11 Special Mention Loans $148.2 $20.0 $(1.6) $(25.9) $(30.9) $109.8 1Q26 Downgrades to Special Mention Downgrades to Classified Paydown/ Payoffs Loans Sold 2Q26 ($ in millions) Highlights As of 2Q26 the Special Mention loans had the following composition: • $108.1 million had real estate collateral with a weighted avg. LTV of 63% • The remaining loans were smaller commercial loans

12 NCOs and Allowance for Credit Losses $79.2 $(5.5) $4.1 $0.8 $2.2 $1.9 $2.8 $85.5 1Q26 Gross Charge-offs Recoveries Requirement for Charge- offs Specific Reserve Change Credit Quality and Macroeconomic Factor Updates Loan Growth 2Q26 Portfolios Balance 1Q26 Reserve Build (1) Balance 2Q26 Real Estate $ 22,705 $ 1,730 $ 24,435 Commercial $ 34,295 $ 3,564 $ 37,859 Consumer and Others $ 22,236 $ 969 $ 23,205 Total ACL $ 79,236 $ 6,263 $ 85,499 ACL Roll-forward Allowance for Credit Losses NCO-to-Average Total Loans Ratio ($ in millions) Period / Portfolio CRE Owner- Occupied Single-Family Residential Commercial Financial Institutions Consumer and Others Total 2Q25 —% —% 0.01% 0.77% —% 0.07% 0.86% 3Q25 0.07% —% —% 0.25% —% 0.07% 0.39% 4Q25 0.05% —% —% 0.98% —% 0.04% 1.07% 1Q26 —% —% —% 0.27% —% 0.18% 0.45% 2Q26 —% —% —% 0.05% —% 0.03% 0.08% ($ in thousands) (% are annualized) (1) Includes ACL on purchased seasoned loans ("PSLs"). See Glossary for more details on the Company's early adoption of ASU 2025-08.

13 Outlook • Total Loans projected to reach approximately $7.3 billion by 4Q26 • Total deposits projected to reach approximately $9.1 billion by 4Q26, primarily driven by low-cost International deposit growth • Net interest margin projected to be approximately 3.50% for the remainder of the year • Projected expenses in 3Q26 to stay consistent with 2Q26, declining to $66 - $67 million in 4Q26, as we continue to make progress towards a target efficiency ratio of approximately 60% • Will continue to optimize capital management, balancing between retaining capital for growth, and buybacks and dividends to enhance shareholder returns

14 Path to 1% ROA 0.84% 1.00% 2Q26 Net Interest Income Operating Expense Reduction Other Income Tax Expense Provision for Credit Losses 4Q26 ~ 0.18% ~ 0.03% ~ 0.08% < 0.04% ~ 0.07% ~

15 For the second half of the year, our priorities remain clear and firmly aligned with our strategic plan: • Driving disciplined, sustainable loan growth that supports our financial objectives and reflects our risk appetite • Continuing to advance credit quality by: ◦ Embedding a stronger credit culture through disciplined underwriting, relationship-driven decision-making, and enhanced portfolio monitoring ◦ Building a high-quality loan pipeline with clear accountability, consistent standards, and improved visibility into risk-adjusted returns • Improving efficiency across the organization by executing cost-efficiency initiatives that are expected to deliver recurring cost reductions that strengthen operating leverage and scalability • Strengthening our relationship-first model to deepen client engagement, increase collaboration across the business, and support lower-cost deposit growth in domestic and international markets, including Venezuela • Maintaining strong capital levels while continuing to return capital to shareholders through dividends and share repurchases Closing Remarks

Supplemental Information

17 93.7% 6.3% $1,789 $2,370 $2,549 4.88% 4.76% 4.84% AFS Trading Marketable Equity Securities Yield 2Q25 1Q26 2Q26 0 2,000 93.1% 6.9% Balances and Yields (1) Fixed vs. Floating (2) June 2026 Floating rate Fixed rate Available for Sale Securities by Type June 30, 2026 5.0 yrs Effective Duration ($ in millions) (1) Excludes Federal Reserve Bank and FHLB stock (2) Hybrid investments are classified based on current rate (fixed or floating) (3) Based on estimated prepayment speeds 4.7 yrs Effective Duration $60.6 $266.1 $71.5 $78.1 3Q26 4Q26 1Q27 2Q27 $0.0 $100.0 $200.0 $300.0 ($ in millions) Expected Prepayments & Maturities Expected Prepayments & Maturities (3) Maturing Yield % Investment Portfolio 4.82% 4.32% 4.93% 4.91% March 2026 As of June 30, 2026, 100.0% of the Available for Sale portfolio consists of MBS issued or guaranteed by Government agencies and Government sponsored enterprises. $2.5 $2.5 $2.5 $120.2

18 91.5% 91.5% 91.0% 89.8% 89.9% 3.0% 2.7% 2.8% 2.7% 2.6% 3.8% 4.0% 4.2% 5.4% 5.4% 1.7% 1.8% 2.0% 2.1% 2.1% South Florida New York Tampa Other 2Q25 3Q25 4Q25 1Q26 2Q26 Geographic Mix (Domestic) Geographic Mix (1) Loan Portfolio Geographic Mix (1) 2Q26, 1Q26 and 4Q25 includes both mortgage loans held for sale carried at fair value and loans held for sale carried at the lower of cost or fair value. There were no loans held for sale in 3Q25, while 2Q25 includes mortgage loans held for sale at fair value. This geographic categorization is based on internal criteria. (2) Consists of international loans; fully-collateralized securities-based lending and residential loans with U.S. collateral. (2)

19 Loans Held for Investment Portfolio by Industry • Diversified portfolio - highest sector concentration, other than real estate, at 12% of total loans • 74% of total loans secured by real estate • Main concentrations: – Finance Sector – CRE or Commercial Real Estate – Wholesale - Food & Electronics and Computer parts wholesalers – Retail - Gas stations and Food retailers – Services – Healthcare and Restaurants Highlights (1) Consists primarily of finance facilities granted to non-bank financial companies 4.3% which is composed mainly of 2.2% corporate finance, 1.1% CRE note-on-note financing, 0.8% mortgage warehousing lines and 0.2% others (2) Comprised mostly of construction and real estate related services and equipment rental and leasing activities. (3) Food wholesalers represented approximately 33%. (4) Gasoline stations represented approximately 36%. (5) Healthcare represented approximately 51%. (6) Restaurants and food services represented 65%. (7) Primarily loans belonging to industrial sectors not included in the above sectors, which do not individually represent more than 1 percent of the total loan portfolio, and residential and other consumer loans which represented approximately 24% of total loans. ($ in millions) Real Estate Non-Real Estate Total % Total Loans Financial Sector (1) $ 14 $ 275 $ 289 4.3 % Construction and Real Estate & Leasing: Commercial real estate loans 2,273 — 2,273 33.7 % Other real estate related services and equipment leasing (2) 163 79 242 3.6 % Total construction and real estate & leasing 2,437 79 2,516 37.3 % Manufacturing: Foodstuffs, Apparel 57 47 104 1.5 % Metals, Computer, Transportation and Other 12 84 96 1.4 % Chemicals, Oil, Plastics, Cement and Wood/Paper 22 29 51 0.8 % Total Manufacturing 91 160 251 3.7 % Wholesale (3) 80 192 272 4.0 % Retail Trade (4) 178 155 333 5.0 % Services: Non-Financial Public Sector — 21 21 0.3 % Communication, Transportation, Health and Other (5) 112 211 323 4.8 % Accommodation, Restaurants, Entertainment and other services (6) 90 257 347 5.2 % Electricity, Gas, Water, Supply and Sewage Services 3 87 90 1.3 % Total Services 205 576 781 11.6 % Primary Products: Agriculture, Livestock, Fishing and Forestry 1 1 2 — % Mining — 7 7 0.1 % Total Primary Products 1 8 9 0.1 % Other Loans (7) 1,954 338 2,292 34.0 % Total Loans $ 4,960 $ 1,783 $ 6,743 100.0 % June 30, 2026

20 CRE Type FL TX NY Other Total % Total CRE % Total Loans (1) Income Producing (2) Land and Construction Retail $ 514 $ 10 $ 60 $ 26 $ 610 26.8 % 9.0 % $ 610 $ — Multifamily 296 58 44 62 460 20.2 % 6.9 % 234 226 Office 311 41 18 92 462 20.3 % 6.8 % 453 9 Hotels 169 28 — 8 205 9.0 % 3.0 % 175 30 Industrial 81 — — 32 113 5.0 % 1.7 % 113 — Specialty 162 — — 40 202 8.9 % 3.0 % 176 26 Land 196 — — 25 221 9.7 % 3.3 % — 221 Total CRE $ 1,729 $ 137 $ 122 $ 285 $ 2,273 100.0 % 33.7 % $ 1,761 $ 512 Outstanding as of June 30, 2026 ($ in millions) This geographic segmentation is based on collateral location. (1) Calculated as a percentage of loans held for investment only. (2) Income producing properties include non-owner occupied and multi-family residential loans. Total CRE Loans - Detail CRE Type FL TX NY Total Multifamily $ — $ — $ 23 $ 23 Retail 6 — 18 24 Office — — 21 21 Hotels — 18 — 18 Land 24 — — 24 Total $ 30 $ 18 $ 62 $ 110 Loans Held for Sale Loans Held for Investment

21 22% 26% 32% 20% —% 50% or less 50- 60% 60- 70% 70- 80% 80% or more 0% 10% 20% 30% 40% 50% 60% • Florida primarily includes neighborhood shopping centers or service centers with basic needs related anchor stores, as well as the retail corridor in Miami Beach • New York primarily includes four loans in high traffic retail corridors with proximity to public transportation services • Single-tenant consists of one loan in Michigan (Gym) and three smaller loans in South Florida CRE Retail (1) Retail - LTV (2) Sporting & Recreational Goods; 49% Healthcare; 13% Pharma; 12% Auto; 26% CRE Retail - Single Tenant (1) (1) CRE retail loans held for investment above $3.0 million (2) LTV at origination Total: $552 million Loan Portfolio Percentage: 8.2% Total: $25 million Loan Portfolio Percentage: 0.4% Neighborhood Center; 32.0% Strip/Convenience; 34.0% Community Center; 19.0% Theme/Festival Center; 5.0% Single Tenant; 5.0% Retail Storefront; 2.0% Regional Center; 2.0% Others; 1.0% CRE Retail - Detail As of June 30, 2026 Weighted Average LTV: 59%

22 New York; 4% Texas; 14% Florida; 66% Other; 16.0% 16% 27% 49% 8% —% 50% or less 51-60% 61-70% 71-80% 81% or more 0% 10% 20% 30% 40% 50% 60% CRE office above $3 million represents 22 loans totaling $445 million, or 96% of total CRE office with avg. debt-service coverage (DSCR) (3) 1.6x and LTV 64% ◦ Florida: 16 loans totaling $296 million (51% Miami-Dade, 34% Broward, 5% Palm Beach, 9% Duval, and 1% Hillsborough) with avg. DSCR 1.6x and LTV 62% ◦ New York: 1 loan totaling $18 million (Westchester) with avg. DSCR 1.5x and LTV 60% ◦ Texas: 3 loans totaling $61 million, 2 in Dallas and 1 in Houston, with avg. DSCR 1.3x and LTV 70% ◦ Other: 2 loans totaling $69 million, 1 in Memphis, TN and 1 in Atlanta, GA with avg. DSCR 1.1x and LTV 65% ◦ CRE Office (1) Office - LTV (2) (1) CRE office loans held for investment above $3 million (2) LTV at origination (3) DSCR based upon most recent borrower information Total: $445 million Loan Portfolio Percentage: 6.6% CRE Office - Detail As of June 30, 2026 Weighted Average LTV: 60%

23 $7,895 $7,854 $7,787 $8,355 $5,430 $5,278 $5,168 $5,133 $2,465 $2,576 $2,619 $3,222 Domestic Deposits International Deposits 2023 2024 2025 2Q26 ($ in millions) 39% of Total Deposits Avg. account balance(1): $56,000 61% of Total Deposits Avg. account balance (1): $120,000 Domestic and International Deposit Details (1) Average deposit account balances calculated as of June 30, 2026

24 <1 year; 63% 1-3 years; 2% 4-5 years; 2% 5+ years; 33% 335 340 343 346 350 353 354 -200 bps -100 bps -50 bps BASE +50 bps +100 bps +200 bps 0 200 400 As of June 30, 2026 Fixed 41% Adjustable 59% 24 By Interest TypeBy Rate Type By Repricing Term (1) NII and percentage change represent the base scenario of net interest income. The base scenario assumes (i) flat interest rates over the next 12 months, (ii) that total financial instrument balances are kept constant over time and (iii) that interest rate shocks are instant and parallel to the yield curve (2) Totals may not sum due to rounding Loan Portfolio Details Impact on NII from Interest Rate Change (1)(2) AFSChange from base ($ in M ill io n s) Fixed 41% UST 2% Prime 13% SOFR 44% As of June 30, 2026 Impact on AFS from Interest Rate Change (1) (3.2)% (1.7)% 0% 1.9%1.2% (0.8)% 2.3% No Floor; 57% 0.5-2%; 3% 2-3.5%; 11% 3.5-5%; 6% 5-6.75%; 23% By Floors 2,693 2,649 2,605 2,549 2,488 2,423 2,290 -200 bps -100 bps -50 bps MV +50 bps +100 bps +200 bps ($ in M ill io n s) 5.7% 3.9% 2.2% 0% (2.4)% (4.9)% (10.2)% Expected pre-tax AOCL Improvement Change from MVNet Interest Income (33,211) (16,966) 2Q26 1Q27 (estimated) (40,000) (20,000) — approx. 49% improvement in AOCL Interest Rate Sensitivity

25 $19.8 $17.3 $22.0 $17.4 $18.2 $5.0 $5.1 $4.9 $4.9 $5.4 $5.0 $5.0 $5.3 $5.5 $5.6 $1.7 $1.2 $2.1 $0.5 $0.4 $6.7 $5.0 $8.4 $5.0 $5.6 $3.2 $2.4 $1.4 $1.5 $1.2 2Q25 3Q25 4Q25 1Q26 2Q26 -10 0 10 20 30 28% 72% 19% 81% Noninterest Income Mix Deposits and service fees Brokerage, advisory and fiduciary activities Other noninterest income (1) DomesticInternational 2Q25 $3.4B ($ in millions) Securities gains, net Loan-related derivative income Derivative losses, net Noninterest Income Mix $3.1B Assets Under Management and Custody 2Q26 $(0.2) (1) Other noninterest income in 4Q25 includes $3.3 million gain on the sale and leaseback of two banking centers. $(1.4)$(1.9) $(0.1)

26 $83.4 $71.6 $74.4 $77.8 $106.8 66.9 68.9 $35.3 $33.3 $36.0 $35.1 $38.8 $32.0 $35.4 $48.1 $38.3 $38.4 $42.7 $68.0 $34.9 $33.5 698 726 692 704 694 699 704 Salaries and employee benefits Other operating expenses FTEs 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 0 30 60 90 120 ($ in millions, except for FTEs) Noninterest Expense Noninterest Expense Mix

27 Change in Diluted Earnings Per Common Share $0.44 $0.03 $(0.02) $0.01 $0.07 $0.53 1Q26 PPNR Income Tax Expense Impact of Repurchases Provision for Credit Losses 2Q26 $(0.10) $— $0.10 $0.20 $0.30 $0.40 $0.50 $0.60 EPS Trend (1) Non-GAAP Financial Measure. See Appendix 1 for a reconciliation to GAAP. (1)

Appendices

29 Appendix 1 Non-GAAP Financial Measures Reconciliations The following table sets forth selected financial information derived from the Company’s interim unaudited and annual audited consolidated financial statements, adjusted for certain items, including the provision for credit losses, income taxes and goodwill and other intangible assets. The Company believes these adjusted numbers are useful to understand the Company’s performance and underlying trends. Three Months Ended, (in thousands) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Net income attributable to Amerant Bancorp Inc. $ 21,043 $ 17,873 $ 2,701 $ 14,756 $ 23,002 Plus: provision for credit losses (1) 4,750 7,800 3,490 14,600 6,060 Plus: provision for income tax expense (benefit) 6,067 5,070 (794) 4,252 6,795 Pre-tax pre-provision net revenue (PPNR) 31,860 30,743 5,397 33,608 35,857 Three Months Ended, (in thousands, except percentages, share data and per share amounts) June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 Stockholders' equity $ 914,369 $ 913,918 $ 938,802 $ 944,940 $ 924,286 Less: goodwill and other intangibles (2) (21,522) (22,933) (23,103) (23,784) (24,016) Tangible common stockholders' equity $ 892,847 $ 890,985 $ 915,699 $ 921,156 $ 900,270 Total assets 10,294,247 9,903,514 9,777,018 10,410,199 10,334,678 Less: goodwill and other intangibles (2) (21,522) (22,933) (23,103) (23,784) (24,016) Tangible assets $ 10,272,725 $ 9,880,581 $ 9,753,915 $ 10,386,415 $ 10,310,662 Common shares outstanding 39,186,293 39,803,607 40,595,273 41,265,378 41,748,434 Tangible common equity ratio 8.69 % 9.02 % 9.39 % 8.87 % 8.73 % Stockholders' book value per common share $ 23.33 $ 22.96 $ 23.13 $ 22.90 $ 22.14 Tangible stockholders' equity book value per common share $ 22.78 $ 22.38 $ 22.56 $ 22.32 $ 21.56 (1) Includes provisions for credit losses on loans and provision for loan contingencies. (2) As of June 30, 2026, other intangible assets primarily consist of naming rights. In prior periods, also includes mortgage servicing rights (“MSRs”). Other intangible assets are included in other assets in the Company’s consolidated balance sheets.

30 Income Statement Highlights - 2Q26 vs 1Q26 ($ in thousands) 2Q26 1Q26 Change Total Interest Income Loans $ 103,449 $ 102,674 $ 775 Investment securities 29,212 27,682 1,530 Interest earning deposits with banks and other interest income 3,000 2,661 339 Total Interest Expense Interest bearing demand, savings and money market deposits 27,154 26,365 789 Time deposits 17,682 18,254 (572) Advances from FHLB 6,935 6,846 89 Subordinated notes 362 361 1 Junior subordinated debentures 952 910 42 Securities sold under agreements to repurchase 1 — 1 Total Provision for Credit Losses 4,750 7,800 (3,050) Total Noninterest Income 18,162 17,381 781 Total Noninterest Expense 68,877 66,919 1,958 Income Tax Expense 6,067 5,070 997 Net Income Attributable to Amerant Bancorp Inc. $ 21,043 $ 17,873 $ 3,170

31 • ACL - Allowance for Credit Losses • AFS - Available for Sale • AOCL - Accumulated Other Comprehensive Loss • AUM - Assets Under Management • CET1 - Common Equity Tier 1 capital ratio • CRE - Commercial Real Estate • Customer CDs - Customer certificates of deposits • EPS – Earnings per Share • FHLB - Federal Home Loan Bank • FTE - Full Time Equivalent Employees Glossary • MBS - Mortgage-Backed Security • MV - Market Value • NCO - Net Charge-Offs • NII - Net Interest Income • NIM – Net Interest Margin • NPA - Non-Performing Assets • NPL - Non-Performing Loans • ROA - Return on Assets • ROE - Return on Equity • TCE ratio – Tangible Common Equity ratio

32Glossary (cont'd) • Assets under management and custody: consists of assets held for clients in an agency or fiduciary capacity which are not assets of the Company and therefore are not included in the consolidated financial statements. • Core deposits: consist of total deposits excluding all time deposits • Cost of Deposits: calculated based upon the average balance of total noninterest bearing and interest bearing deposits, which includes time deposits. • Cost of Funds: calculated based upon the average balance of total financial liabilities which include total interest bearing liabilities and noninterest bearing demand deposits • Cost of Total Deposits: calculated based upon the average balance of total noninterest bearing and interest bearing deposits, which includes time deposits. • In the first quarter of 2026, the Company early adopted ASU 2025-08, which expands the use of the gross-up approach for certain purchased loans and eliminates Day 1 credit loss expense. As a result, in the first and second quarters of 2026, the Company recorded an allowance for credit losses of $1.9 million and $0.5 million on approximately $149.5 million and $36.8 million of acquired loans, with no day 1 impact to earnings. • Loans Held for Investment: excludes loans held for sale carried at fair value and loans held for sale carried at the lower of cost or fair value • Net Charge-Offs: charge-offs net of recoveries • Net Charge-Offs/Average Total Loans Held for Investment: • Annualized and calculated based upon the average daily balance of outstanding loan principal balance net of unamortized deferred loan fees and costs, excluding the allowance for credit losses • Total loans exclude loans held for sale • Non-performing assets include accruing loans past due by 90 days or more, all nonaccrual loans, other real estate owned ("OREO") properties acquired through or in lieu of foreclosure and other repossessed assets • Non-performing loans include accruing loans past due by 90 days or more and all nonaccrual loans. • Quarterly beta (as shown in NII & NIM Slide): calculated based upon the change of the cost of deposit over the change of federal funds rate (if any) during the quarter. • ROA: calculated based upon the average daily balance of total assets • ROE: calculated based upon the average daily balance of stockholders' equity • Total gross loans: consists of the principal balance of outstanding loans, including loans held for investment , loans held for sale at the lower of cost or fair value, and mortgage loans held for sale, net of unamortized deferred loan origination fees and loan origination costs, unamortized premiums paid on purchased loans and the unamortized balance of initial allowance for credit losses on purchased seasoned loans. • Totals may not sum due to rounding of line items.

.

EX-99.3

EX-99.3

Filename: amerantdividenddeclaration.htm · Sequence: 4

Document

CONTACTS:

Investors

Laura Rossi

InvestorRelations@amerantbank.com

(305) 460-8728

Media

Alexis Dominguez

MediaRelations@amerantbank.com

AMERANT BANCORP INC. DECLARES DIVIDEND

CORAL GABLES, FLORIDA, July 23, 2026. Amerant Bancorp Inc. (NYSE: AMTB) (the “Company” or “Amerant”) today announced that, on July 22, 2026, the Company’s Board of Directors declared a cash dividend of $0.09 per-share of Amerant common stock. The dividend is payable on August 28, 2026, to shareholders of record at the close of business on August 14, 2026.

About Amerant Bancorp Inc. (NYSE: AMTB)

Amerant Bancorp Inc. is a bank holding company headquartered in Coral Gables, Florida since 1979. The Company operates through its main subsidiary, Amerant Bank, N.A. (the “Bank”), as well as its other subsidiary, Amerant Investments, Inc. The Company provides individuals and businesses with deposit, credit and wealth management services. The Bank, which has operated for over 45 years, is headquartered in Florida and operates 23 banking centers – 21 in South Florida and 2 in Tampa, FL. For more information, visit investor.amerantbank.com

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