BlastPoint's Banking Scorecard
Amerant Bank, National Association
Mid-Market
Specialty: Commercial
FL
FDIC cert 22953
Designations: ✓ Community bank
Coral Gables, FL
201
banks in Mid-Market tier nationally
6 in FL
View Mid-Market leaderboard (FL) →
Amerant Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 9% in Mid-Market
- - Delinquency Rate 1.91% above tier
- - Nonperforming Asset Ratio 1.42% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.8B
-1.3% YoY
-6.1% QoQ
|
-$698.8M |
$10.5B
+2.9% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$6.6B
-7.9% YoY
-3.3% QoQ
|
-$513.4M |
$7.1B
+4.5% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$7.8B
-1.9% YoY
-6.4% QoQ
|
-$734.5M |
$8.5B
+3.0% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.64%
-14.8% QoQ
|
-0.52% |
1.16%
+9.4% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.92%
+6.5% YoY
+0.7% QoQ
|
+0.52% |
3.40%
+7.9% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
71.43%
+4.8% YoY
+8.4% QoQ
|
+14.82% |
56.60%
-3.2% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
2.59%
+78.8% YoY
+42.6% QoQ
|
+1.91% |
0.68%
+12.0% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
84.79%
-6.1% YoY
+3.2% QoQ
|
-0.68% |
85.47%
+1.1% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
20.22%
+6.6% YoY
-5.0% QoQ
|
-0.42% |
20.64%
-0.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
1.92%
+55.0% YoY
+42.2% QoQ
|
+1.42% |
0.50%
+7.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 4% in tier |
| Tier 1 Capital Ratio ? |
12.35%
+5.3% YoY
+2.5% QoQ
|
-1.20% |
13.55%
+1.8% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.64%
-10.0% YoY
+17.5% QoQ
|
-0.31% |
0.96%
+7.1% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#5 of 44 · Bottom 9% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.64%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
2.59%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
1.92%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
73
73th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.40%
65
65th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
60
60th pctile
Total Deposits
Current: $7.8B · Tier avg: $8.5B
58
58th pctile
Total Loans
Current: $6.6B · Tier avg: $7.1B
56
56th pctile
Loan-to-Deposit Ratio
Current: 84.79% · Tier avg: 85.47%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.22% · Tier avg: 20.64%
44
44th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.96%
40
40th pctile
Tier 1 Capital Ratio
Current: 12.35% · Tier avg: 13.55%
21
21th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
16
16th pctile
Efficiency Ratio
Current: 71.43% · Tier avg: 56.60%
6
6th pctile
Delinquency Rate
Current: 2.59% · Tier avg: 0.68%
4
4th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.50%
Top Weaknesses
4
4th pctile
Nonperforming Asset Ratio
Current: 1.92% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.59% · Tier avg: 0.68%
16
16th pctile
Efficiency Ratio
Current: 71.43% · Tier avg: 56.60%
21
21th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
40
40th pctile
Tier 1 Capital Ratio
Current: 12.35% · Tier avg: 13.55%
44
44th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.96%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.22% · Tier avg: 20.64%
56
56th pctile
Loan-to-Deposit Ratio
Current: 84.79% · Tier avg: 85.47%
58
58th pctile
Total Loans
Current: $6.6B · Tier avg: $7.1B
60
60th pctile
Total Deposits
Current: $7.8B · Tier avg: $8.5B
65
65th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
73
73th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.40%