Amerant Bancorp Inc. reported a net income attributable to the company of $23.0 million, or $0.55 income per diluted share, for the second quarter of 2025. This represents a substantial increase from the $12.0 million, or $0.28 income per diluted share, reported in the first quarter of 2025. The improved results were driven by higher core pre-provision net revenue combined with a significantly lower provision for credit losses, which decreased to $6.060 million from $18.446 million in the prior quarter.
Key profitability metrics showed strong improvement, with Net Interest Margin (NIM) rising to 3.81% from 3.75% in Q1 2025. Return on average assets (ROA) more than doubled to 0.90% from 0.48%, and return on average equity (ROE) reached 10.06% from 5.32%. The efficiency ratio also improved to 67.48% from 67.87%.
Asset quality indicators showed positive trends, with non-performing assets to total assets decreasing to 0.95% from 1.38%, and non-performing loans to total gross loans falling to 1.15% from 1.71%. The Allowance for Credit Losses (ACL) coverage of non-performing loans increased to 104.89% from 79.75%. Total assets grew to $10.334 billion, and total deposits reached $8.306 billion, with core deposits at $6.143 billion.
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