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Amerant Bank National Association

IDRSSD: 83638
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q2QoQ +8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #83638 2024-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.08% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +8 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↑ +62
  • Asset Quality
    ↓ -19
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -12
79
Sub-score

Liquidity is stable: brokered 8.9%, loans/deposits 91.9%.

Cash / Assets
—
Loans / Deposits
91.89%
Brokered %
8.90%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.26%
No watch items at this period.

Capitalization

StableQoQ +62
62
Sub-score

Capital position is stable: Tier 1 RBC 10.72%, CET1 10.72%, leverage 9.07%.

Tier 1 RBC
10.72%
CET1
10.72%
Leverage
9.07%
No watch items at this period.

Asset Quality

StrongQoQ -19
81
Sub-score

Asset quality is strong: Adjusted NPL 1.40%, Texas Ratio 10.3%, NCO YTD 1.08%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
1.08%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.08% of loans.

Reserves

Stable
66
Sub-score

Reserves are stable: ALLL 1.29% of loans, coverage 93.5%, true coverage 93.5%.

ALLL / Loans
1.29%
Coverage
93.5%
True Loss Coverage
93.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:26:41 UTC