MEDIUMBuilt-inLoan_portfolio
38%
CRE loans
“10-K Item 1A: 'approximately $2.5 billion, or 38%, and $1.4 billion, or 24%, of our loan portfolio was comprised of CRE loans and commercial loans, respectively.'”
AMTB · Concentration risk · 10-K extracted
Amerant Bancorp (AMTB) concentration risks
Updated
The most significant concentration Amerant Bancorp discloses is CRE loans at 38%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Amerant Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH0
MEDIUM1
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
LOWBuilt-inLoan_portfolio
24%
commercial loans
“10-K Item 1A: 'approximately $2.5 billion, or 38%, and $1.4 billion, or 24%, of our loan portfolio was comprised of CRE loans and commercial loans, respectively.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Amerant Bancorp's concentration risk is concentrated in commercial real estate. Approximately $2.5 billion, or 38%, of the loan portfolio is comprised of CRE loans, a medium-share structural exposure, while commercial loans make up a further $1.4 billion, or 24%, a low-share structural exposure. Both figures come from the same disclosure and describe complementary, not overlapping, segments of the same loan book, so together CRE and commercial loans account for a majority of total loans — a structural feature typical of a commercial bank's balance sheet rather than a dependency on any single borrower or counterparty. Because both exposures are structural rather than dependency-driven, the primary risk to monitor is broad commercial real estate market conditions (property valuations, refinancing activity, and tenant demand) rather than any single loan or customer relationship. No geographic, customer, or supplier concentrations are disclosed alongside these loan-mix figures, so CRE and commercial lending concentration is the central lens through which to assess Amerant's credit risk profile.
For the engine’s reasoning on AMTB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB● | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| AROW | Arrow Financial Corporation | 0 | 1 | 0 | 1 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.