Amerant Bancorp Inc. (AMTB) Balance Sheet
AMTB balance sheet, 2025
December 31, 2025 · U.S. dollars$9.78B assets = $8.84B liabilities + $938.8M equity
Both columns are drawn to the same scale: what AMTB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
AMTB financial health
Descriptive bands, not a rating. Fiscal 2025.
AMTB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $8.43B2016 | $9.78B2025 | +1.7%/yr | |
| Total liabilities | $7.73B2016 | $8.84B2025 | +1.5%/yr | |
| Shareholders’ equity | $704.7M2016 | $938.8M2025 | +3.2%/yr | |
| Cash & short-term investments | $2.26B2016 | $2.50B2025 | +1.1%/yr | |
| Total debt | $1.10B2016 | $1.04B2025 | −0.6%/yr | |
| Net cash (debt) | $1.16B2016 | $1.45B2025 | +$295.0M | |
| Working capital | −$4.35B2016 | −$3.30B2025 | +$1.1B | |
| Book value per share | $20.182016 | $22.842025 | +1.4%/yr | |
| Debt / equity | 1.562016 | 1.112025 | −0.45 | |
| Shares outstanding | 34.9M2016 | 41.1M2025 | +1.8%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
AMTB assets
AMTB liabilities and equity
AMTB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
AMTB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $2.50B | $2.00B | $53.3M | $1.31B | $1.45B | $1.44B | $1.69B | $1.67B | $1.84B | $2.26B |
| Cash & equivalents | $470.2M | $566.0M | $296.0M | $248.4M | $274.2M | $214.4M | $121.3M | $85.7M | $153.4M | $135.0M |
| Short-term investments | $2.02B | $1.44B | $1.22B | $1.06B | $1.18B | $1.23B | $1.57B | $1.59B | $1.69B | $2.12B |
| Receivables | $8.1M | $0 | $0 | $156.0M | $233.6M | $93.8M | $66.9M | $73.6M | $73.1M | $70.0M |
| Inventory | $0 | $0 | $0 | −$290.6M | −$141.1M | $427,000 | $42,000 | $367,000 | $319,000 | $0 |
| Other current assets | $0 | $0 | $0 | $290.6M | $141.1M | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $2.50B | $2.00B | $53.3M | $1.46B | $1.68B | $1.53B | $1.76B | $1.75B | $1.91B | $2.33B |
| Property, plant & equipment (net) | $110.6M | $131.8M | $162.1M | $181.8M | $37.9M | $110.0M | $128.8M | $123.5M | $129.4M | $148.7M |
| Goodwill & intangible assets | $19.2M | $19.2M | $19.2M | $19.5M | $19.5M | $19.5M | $19.5M | $19.2M | $19.2M | $19.2M |
| Long-term investments | $2.03B | $1.44B | $1.45B | $1.31B | $1.29B | $1.31B | $1.67B | $1.67B | $1.78B | $2.12B |
| Other non-current assets | $5.12B | $6.31B | $8.04B | $6.15B | $4.60B | $4.80B | $4.41B | $4.57B | $4.60B | $3.81B |
| Total assets | $9.78B | $9.90B | $9.72B | $9.13B | $7.64B | $7.77B | $7.99B | $8.12B | $8.44B | $8.43B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $178.6M | $5.87B | $5.77B | $5.81B | $6.09B | $69.2M | $53.1M |
| Short-term debt | — | $59.8M | $15.2M | $317.9M | $118.2M | $1.28B | $285.0M | $440.0M | $555.0M | $50.0M |
| Deferred revenue | — | — | — | — | — | — | — | — | — | −$451.9M |
| Total current liabilities | $5.79B | $7.91B | $4.00B | $7.22B | $118.2M | $1.37B | $7.06B | $6.03B | $6.39B | $6.68B |
| Long-term debt | $806.0M | $838.8M | $798.2M | $152.7M | $123.1M | $122.8M | $92.2M | $118.1M | $118.1M | $118.1M |
| Lease obligations | $117.5M | $106.1M | $123.2M | $140.1M | $136.6M | — | — | — | — | — |
| Other long-term liabilities | $2.24B | $258.0M | $123.2M | $8.27B | $809.6M | $1.05B | $1.24B | $1.23B | $1.17B | $931.0M |
| Total liabilities | $8.84B | $9.01B | $8.71B | $8.42B | $6.74B | $7.19B | $7.14B | $7.38B | $7.68B | $7.73B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $4.1M | $4.2M | $3.4M | $3.4M | $3.6M | $3.8M | $4.7M | $4.5M | $4.2M | $12.7M |
| Retained earnings (deficit) | $619.6M | $582.2M | $610.8M | $590.4M | $553.2M | $442.4M | $444.1M | $393.7M | $387.8M | $343.7M |
| Treasury stock | — | — | — | — | — | — | −$46.4M | −$17.9M | — | — |
| Accumulated other comprehensive income | −$875,000 | −$39.8M | −$70.8M | −$80.6M | $15.2M | $31.7M | $13.2M | −$18.2M | −$6.1M | −$10.7M |
| Minority interest | — | — | $0 | $2.1M | $2.6M | — | — | — | — | — |
| Total shareholders' equity | $938.8M | $890.5M | $1.00B | $705.7M | $901.2M | $577.6M | $844.9M | $747.4M | $753.5M | $704.7M |
| Key figures | ||||||||||
| Total debt | $1.04B | $1.00B | $921.3M | $1.20B | $932.6M | $1.41B | $1.33B | $1.28B | $1.29B | $1.10B |
| Net cash (debt) | $1.45B | $998.4M | −$868.0M | $106.8M | $516.9M | $33.5M | $362.8M | $387.7M | $549.5M | $1.16B |
| Working capital | −$3.30B | −$5.91B | −$3.95B | −$5.76B | $1.56B | $167.0M | −$5.30B | −$4.29B | −$4.48B | −$4.35B |
| Tangible book value | $919.6M | $871.3M | $985.5M | $686.2M | $881.7M | $558.1M | $825.4M | $728.2M | $734.3M | $685.5M |
| Book value per share | $22.84 | $24.90 | $29.84 | $20.67 | $24.02 | $13.84 | $19.68 | $17.59 | $21.58 | $20.18 |
| Shares outstanding | 41.1M | 35.8M | 33.7M | 34.1M | 37.5M | 41.7M | 42.9M | 42.5M | 34.9M | 34.9M |
| Current ratio | 0.43 | 0.25 | 0.01 | 0.20 | 14.24 | 1.12 | 0.25 | 0.29 | 0.30 | 0.35 |
| Quick ratio | 0.43 | 0.25 | 0.01 | 0.20 | 14.24 | 1.12 | 0.25 | 0.29 | 0.30 | 0.35 |
| Debt / equity | 1.11 | 1.13 | 0.92 | 1.70 | 1.03 | 2.43 | 1.57 | 1.72 | 1.71 | 1.56 |
| Equity / assets | 9.6% | 9.0% | 10.3% | 7.7% | 11.8% | 7.4% | 10.6% | 9.2% | 8.9% | 8.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $41.0M | $63.4M | $2.50B | $626.0M | $630.8M | $637.1M | $2.00B | $672.1M | $1.55B | $1.92B | $1.51B | $54.2M |
| Cash & equivalents | $41.0M | $63.4M | $470.2M | $624.0M | $628.9M | $634.9M | $566.0M | $661.8M | $277.9M | $625.8M | $296.0M | $251.1M |
| Short-term investments | $2.55B | $2.37B | $2.02B | $2.0M | $2.0M | $2.2M | $1.44B | $10.4M | $1.27B | $1.30B | $1.22B | $1.04B |
| Receivables | $0 | $9.9M | $8.1M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $202.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $20.2M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $41.0M | $63.4M | $2.50B | $626.0M | $630.8M | $637.1M | $2.00B | $672.1M | $1.55B | $1.92B | $1.51B | $54.2M |
| Property, plant & equipment (net) | $107.5M | $109.0M | $110.6M | $133.1M | $134.1M | $136.4M | $131.8M | $133.0M | $134.0M | $162.0M | $162.1M | $159.8M |
| Goodwill & intangible assets | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M | $19.2M | $20.5M |
| Long-term investments | $2.55B | $2.37B | $2.03B | $2.24B | $1.91B | $1.70B | $1.44B | $1.48B | $1.49B | $1.52B | $1.45B | $1.27B |
| Other non-current assets | $7.57B | $7.34B | $5.12B | $7.39B | $7.64B | $7.67B | $6.31B | $8.05B | $6.56B | $6.19B | $6.57B | $7.84B |
| Total assets | $10.29B | $9.90B | $9.78B | $10.41B | $10.33B | $10.17B | $9.90B | $10.35B | $9.75B | $9.82B | $9.72B | $9.35B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $7.62B |
| Short-term debt | — | $20.0M | $16.1M | — | — | $59.9M | $59.8M | — | — | — | $15.2M | $3.6M |
| Total current liabilities | $8.36B | $20.0M | $16.1M | $8.30B | $8.31B | $8.21B | $7.91B | $8.11B | $7.82B | $7.88B | $4.00B | $7.76B |
| Long-term debt | $796.7M | $826.3M | $806.0M | $925.6M | $858.9M | $808.8M | $838.8M | $1.07B | $918.4M | $868.3M | $798.2M | $748.0M |
| Lease obligations | $115.3M | $116.5M | $117.5M | $109.7M | $109.2M | $111.0M | $106.1M | $105.9M | $105.9M | $122.3M | $123.2M | $120.7M |
| Other long-term liabilities | $228.0M | $8.16B | $8.03B | $238.7M | $245.0M | $239.7M | $258.0M | $270.8M | $279.0M | $333.2M | $123.2M | $120.7M |
| Total liabilities | $9.38B | $8.99B | $8.84B | $9.47B | $9.41B | $9.26B | $9.01B | $9.45B | $9.01B | $9.08B | $8.71B | $8.63B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $3.9M | $4.0M | $4.1M | $4.1M | $4.2M | $4.2M | $4.2M | $4.2M | $3.4M | $3.4M | $3.4M | $3.4M |
| Retained earnings (deficit) | $651.1M | $633.7M | $619.6M | $620.5M | $609.5M | $590.3M | $582.2M | $569.1M | $620.3M | $618.4M | $610.8M | $630.9M |
| Accumulated other comprehensive income | −$23.7M | −$21.3M | −$875,000 | −$6.9M | −$25.4M | −$27.3M | −$39.8M | −$13.0M | −$78.9M | −$75.9M | −$70.8M | −$105.6M |
| Total shareholders' equity | $914.4M | $913.9M | $938.8M | $944.9M | $924.3M | $906.3M | $890.5M | $902.9M | $734.3M | $738.1M | $736.1M | $722.8M |
| Key figures | ||||||||||||
| Total debt | $912.1M | $942.7M | $923.4M | $1.04B | $968.1M | $979.8M | $1.00B | $1.17B | $1.02B | $990.5M | $921.3M | $868.7M |
| Net cash (debt) | −$871.0M | −$879.3M | $1.57B | −$409.4M | −$337.3M | −$342.6M | $998.4M | −$502.3M | $523.0M | $933.3M | $592.2M | −$814.5M |
| Working capital | −$8.31B | $43.4M | $2.48B | −$7.68B | −$7.68B | −$7.58B | −$5.91B | −$7.44B | −$6.27B | −$5.95B | −$2.49B | −$7.70B |
| Tangible book value | $895.2M | $894.7M | $919.6M | $925.7M | $905.1M | $887.1M | $871.3M | $883.7M | $715.1M | $718.9M | $716.9M | $702.2M |
| Book value per share | $23.14 | $22.56 | $22.84 | $22.62 | $22.07 | $21.48 | $21.06 | $26.72 | $21.74 | $22.08 | $22.02 | $21.45 |
| Shares outstanding | 39.5M | 40.5M | 41.1M | 41.8M | 41.9M | 42.2M | 42.3M | 33.8M | 33.8M | 33.4M | 33.4M | 33.7M |
| Current ratio | 0.00 | 3.17 | 155.07 | 0.08 | 0.08 | 0.08 | 0.25 | 0.08 | 0.20 | 0.24 | 0.38 | 0.01 |
| Quick ratio | 0.00 | 3.67 | 155.57 | 0.08 | 0.08 | 0.08 | 0.25 | 0.08 | 0.20 | 0.24 | 0.38 | 0.03 |
| Debt / equity | 1.00 | 1.03 | 0.98 | 1.10 | 1.05 | 1.08 | 1.13 | 1.30 | 1.39 | 1.34 | 1.25 | 1.20 |
| Equity / assets | 8.9% | 9.2% | 9.6% | 9.1% | 8.9% | 8.9% | 9.0% | 8.7% | 7.5% | 7.5% | 7.6% | 7.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
AMTB financial position
At the end of fiscal 2025 (December 31, 2025), Amerant Bancorp had total assets of $9.8 billion (down 1.3% from a year earlier), total liabilities of $8.8 billion and shareholders' equity of $938.8 million. It held $2.5 billion in cash and short-term investments against $1.0 billion of debt, a net cash position of $1.5 billion. Its current ratio was 0.43. In the latest quarter (ended June 30, 2026) total assets were $10.3 billion and equity $914.4 million.
Related: AMTB income statement, AMTB cash flow statement, AMTB key metrics. See the AMTB stock overview for the latest quote and news.
AMTB balance sheet FAQ
What are Amerant Bancorp's total assets?
Amerant Bancorp reported total assets of $9.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $9.9 billion a year earlier.
How much debt does Amerant Bancorp have?
Amerant Bancorp had $1.0 billion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 1.11.
How much cash does Amerant Bancorp have?
Amerant Bancorp held $2.5 billion in cash and short-term investments at the end of fiscal 2025; with $1.0 billion of debt that is net cash of $1.5 billion.
What is Amerant Bancorp's book value?
Amerant Bancorp's shareholders' equity (book value) was $938.8 million at the end of fiscal 2025, or $22.84 per share.
What is Amerant Bancorp's current ratio?
Amerant Bancorp had current assets of $2.5 billion and current liabilities of $5.8 billion, a current ratio of 0.43 (current liabilities exceed current assets).
How much goodwill does Amerant Bancorp have?
Amerant Bancorp carried $19.2 million of goodwill and intangible assets, 0.2% of total assets, at the end of fiscal 2025.