Russell Elliott Gunther

Michael Rose

Stephen Scouten

Wood Lay

Joseph Yanchunis

Russell Gunther

Timothy Mitchell

William Jones

Will Jones

- Amarin's **Q3 2025 net income was impacted by a higher provision for credit losses**, resulting in a **decrease in Return on Assets (ROA) to 0.57%** and **Return on Equity (ROE) to 6.21%** compared to 0.91% and 10.06% respectively in Q2.  **[0001734342_2207995_1]** **[0001734342_2207995_4]** 
- The company's primary focus in Q3 was on **asset quality over loan growth**, with **non-performing assets increasing to $140 million (1.3% of total assets)** from $98 million (0.9% of total assets) in the prior quarter.  **[0001734342_2207995_1]** **[0001734342_2207995_4]**  Gross loans declined by **$247.4 million** to **$6.9 billion**.  **[0001734342_2207995_3]** 
- Despite these challenges, Amarin reported a **strong net interest margin of 3.92%** and **net interest income of $94.2 million**, an increase of $3.7 million quarter-over-quarter.  **[0001734342_2207995_1]** **[0001734342_2207995_3]** 
- For Q4 2025, the company projects **net loan growth between $125 million to $175 million**, a **net interest margin of approximately 3.75%**, and expects **expenses to decrease to the range of $74 million to $75 million**.  **[0001734342_2207995_5]** 
- Capital levels remain strong, with **CET1 at 11.54%**.  **[0001734342_2207995_4]**  The Board declared a **quarterly cash dividend of $0.09 per share**, and the company plans to utilize the **$13 million remaining** in its authorized share buyback program in Q4.  **[0001734342_2207995_2]** **[0001734342_2207995_4]** **[0001734342_2207995_6]**

Amarin Reports Q3 2025 Results, Focuses on Asset Quality Amidst Increased Non-Performing Assets

- AMTB reported a decrease in net income attributable to the Company to **$14.8 million** in Q3 2025, down from $23.0 million in Q2 2025, resulting in diluted earnings per share of **$0.35** compared to $0.55 in the prior quarter.  **[0001734342_2207323:4]** 
- The company's **Net Interest Margin (NIM) improved to 3.92%** in Q3 2025 from 3.81% in Q2 2025, with Net Interest Income (NII) increasing to **$94.2 million** from $90.5 million.  **[0001734342_2207323:4]** 
- Asset quality deteriorated, as **non-performing loans increased to $124.3 million** in Q3 2025 from $82.5 million in Q2 2025, and the provision for credit losses rose to **$14.6 million** from $6.1 million.  **[0001734342_2207323:4]** **[0001734342_2207323:6]** 
- AMTB repurchased **487,657 shares for $10.0 million** and paid a quarterly cash dividend of **$0.09 per common share** in Q3 2025.  **[0001734342_2207323:5]** 
- For Q4 2025, the company projects **loan growth of approximately 2.5%** and a Net Interest Margin of approximately **3.75%**, with core expenses expected to decrease to $74 - $75 million.  **[0001734342_2207323:7]**

AMTB reports Q3 2025 financial results

- Amerant Bancorp Inc. reported **net income of $14.8 million**, or **$0.35 income per diluted share**, for the third quarter of 2025, a decrease from $23.0 million, or $0.55 income per diluted share, in the second quarter of 2025.  **[1734342_8c8cea0e1ccf4b8f889273dce19df86f_0]** 
- Chairman and CEO Jerry Plush stated the company's primary focus is on **reducing non-performing loans**, with an anticipation of a **return to loan growth** during the fourth quarter, and plans to **resume share buybacks** and implement new expense reductions.  **[1734342_8c8cea0e1ccf4b8f889273dce19df86f_0]** 
- For Q3 2025, total assets were **$10.4 billion**, total gross loans decreased by **3.4% to $6.9 billion**, and total deposits were **$8.3 billion**.  **[1734342_8c8cea0e1ccf4b8f889273dce19df86f_0]** 
- Asset quality showed an increase in **total non-performing assets to $139.9 million**, up **42.9%** from $97.9 million in Q2 2025, and **provision for credit losses was $14.6 million**, a **140.9% increase** from $6.1 million in Q2 2025.  **[1734342_8c8cea0e1ccf4b8f889273dce19df86f_0]** **[1734342_8c8cea0e1ccf4b8f889273dce19df86f_1]**  The Board of Directors also declared a **cash dividend of $0.09 per share**.  **[1734342_8c8cea0e1ccf4b8f889273dce19df86f_1]**

Amerant Bancorp Reports Third Quarter 2025 Results

- Amerant Bancorp Inc. reported **net income attributable to the Company** of **$14.8 million** and **$0.35 diluted income per share** for Q3 2025, a decrease from **$23.0 million** and **$0.55 diluted income per share** in Q2 2025.  **[1734342_0001734342-25-000063_amerant3q2025earningsreleaa.htm:0]** **[1734342_0001734342-25-000063_meidmasterearningsdeck09.htm:4]** 
- **Total assets** increased to **$10.4 billion**, while **total gross loans** decreased by **3.4%** to **$6.9 billion** and **total deposits** were **$8.3 billion** in Q3 2025.  **[1734342_0001734342-25-000063_amerant3q2025earningsreleaa.htm:1]** **[1734342_0001734342-25-000063_meidmasterearningsdeck09.htm:4]** 
- **Non-performing assets** increased by **42.9%** to **$139.9 million**, and the **Allowance for Credit Losses (ACL)** rose by **9.7%** to **$94.9 million** in Q3 2025.  **[1734342_0001734342-25-000063_amerant3q2025earningsreleaa.htm:1]** **[1734342_0001734342-25-000063_amerant3q2025earningsreleaa.htm:5]** 
- Management stated a primary focus on **reducing non-performing loans** and addressing asset quality, with intentions to **resume share buybacks** and implement **new expense reductions**.  **[1734342_0001734342-25-000063_amerant3q2025earningsreleaa.htm:0]**  The company also declared a **cash dividend of $0.09 per share**.  **[1734342_0001734342-25-000063_amerant3q2025earningsreleaa.htm:1]**

Amerant Bancorp Inc. Reports Q3 2025 Results with Decreased Net Income and Increased Non-Performing Assets

- Amerant Bancorp Inc. declared a quarterly cash dividend of **$0.09 per share**, payable on **November 28, 2025**, to shareholders of record as of **November 14, 2025**, with an ex-dividend date of **November 13, 2025**.  **[1734342_09a884a1e5b84d2987d0ae63d106b4b2]** 
- The company rescheduled its third quarter 2025 earnings release and investor conference call to **October 28, 2025**, from October 23, 2025, to complete customary review processes.  **[1734342_09a884a1e5b84d2987d0ae63d106b4b2]** 
- Analysts maintain a **Hold rating** on AMTB stock with a **$19.50 price target**, noting **strong free cash flow growth but low profitability**.  **[1734342_09a884a1e5b84d2987d0ae63d106b4b2]** 
- Amerant Bancorp is strategically repositioning by selling its Texas assets to focus primarily on the Florida market.  **[1734342_09a884a1e5b84d2987d0ae63d106b4b2]**

Amerant Bancorp (AMTB)