Amerant Bancorp (AMTB) details RSU awards to SEVP Chief Credit Officer

Rhea-AI Filing Summary

Amerant Bancorp Inc. reported equity awards for senior executive Lee Ann Cragg, its SEVP and Chief Credit Officer. She received 1,008 restricted stock units on July 21, 2025 and 5,000 restricted stock units on November 17, 2025, each tied to Class A Common Stock.

Each unit represents the right to receive one share after vesting, with 20% of each award vesting on each of the first two anniversaries of the grant date and the remaining 60% vesting on the third anniversary, as long as she remains in continuous service with the company or a subsidiary.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Cragg Lee Ann

(Last) (First) (Middle)

C/O AMERANT BANCORP INC.

220 ALHAMBRA CR., 12TH FLOOR

(Street)

CORAL GABLES FL 33134

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
12/10/2025

3. Issuer Name and Ticker or Trading Symbol
Amerant Bancorp Inc. [ AMTB ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SEVP, Chief Credit Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units sign-on	(1)	(1)	Class A Common Stock	1,008	$0(2)	D
Restricted Stock Units Promotion	(3)	(3)	Class A Common Stock	5,000	$0(2)	D

Explanation of Responses:

1. On July 21, 2025, Ms. Cragg was awarded 1,008 restricted stock units ("RSUs"), each representing the right to receive, following vesting, one share of Class A Common Stock. Twenty percent (20%) of the restricted stock units vests on each of the first two anniversaries of the date of grant and the remaining sixty percent (60%) will vest on the third anniversary of the date of grant, provided that Ms. Cragg remains in the continuous service of the Company or a subsidiary through each such date.

2. Each RSU is the economic equivalent of one share of Class A Common Stock.

3. On November 17, 2025, Ms. Cragg was awarded 5,000 RSUs, each representing the right to receive, following vesting, one share of Class A Common Stock. Twenty percent (20%) of the restricted stock units vests on each of the first two anniversaries of the date of grant and the remaining sixty percent (60%) will vest on the third anniversary of the date of grant, provided that Ms. Cragg remains in the continuous service of the Company or a subsidiary through each such date.

Remarks:

SEVP, Chief Credit Officer

	/s/ Julio Pena, as Attorney-in-Fact for Lee Ann Cragg	12/17/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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FAQ

What insider transaction did Amerant Bancorp (AMTB) disclose?

Amerant Bancorp disclosed equity awards in the form of restricted stock units granted to senior executive Lee Ann Cragg, linked to its Class A Common Stock.

Who is the Amerant Bancorp (AMTB) executive receiving RSU awards?

The awards were granted to Lee Ann Cragg, who serves as Amerant Bancorp's SEVP, Chief Credit Officer.

How many restricted stock units did Lee Ann Cragg receive from Amerant Bancorp (AMTB)?

Lee Ann Cragg received 1,008 restricted stock units on July 21, 2025 and an additional 5,000 restricted stock units on November 17, 2025.

What is the vesting schedule for the Amerant Bancorp (AMTB) RSU awards?

For each RSU award, 20% vests on each of the first two anniversaries of the grant date and the remaining 60% vests on the third anniversary, if she remains in continuous service.

What does each Amerant Bancorp (AMTB) RSU represent?

Each restricted stock unit is the economic equivalent of one share of Amerant Bancorp Class A Common Stock, deliverable after the unit vests.

What is the date of the event requiring this insider statement for Amerant Bancorp (AMTB)?

The statement relates to an event dated 12/10/2025, as shown in the filing.