[Form 4] Amerant Bancorp Inc. Insider Trading Activity

Rhea-AI Filing Summary

Amerant Bancorp Inc. executive equity transaction: A Form 4 reports that officer Braden Smith exercised 2,000 restricted stock units (RSUs) into shares of Class A Common Stock on 11/18/2025 at an exercise price of $0 per unit. To cover tax withholding on the vesting, 787 shares were surrendered at a price of $17.10 per share. Following these transactions, he directly beneficially owns 2,085.424 shares of Class A Common Stock and 8,000 RSUs. Each RSU is economically equivalent to one share of Class A Common Stock, and some shares were previously acquired through the company’s Employee Stock Purchase Plan.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Smith Braden

(Last) (First) (Middle)

C/O AMERANT BANCORP INC.

220 ALHAMBRA CR., 12TH FLOOR

(Street)

CORAL GABLES FL 33134

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	See remarks

3. Date of Earliest Transaction (Month/Day/Year)
11/18/2025

4. 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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	11/18/2025		M		2,000	A	$0(1)	2,872.424(2)	D
Class A Common Stock	11/18/2025		F		787(3)	D	$17.1	2,085.424	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	$0(1)	11/18/2025		M			2,000	(4)	(4)	Class A Common Stock	2,000	$0	8,000	D

Explanation of Responses:

1. Each restricted stock unit ("RSU") is the economic equivalent of one share of Class A Common Stock.

2. Includes 872.424 shares acquired under the Amerant Bancorp Inc. Employee Stock Purchase Plan on May 30, 2025.

3. Reflects the shares of Class A Common Stock that were surrendered in order to satisfy the reporting person's tax withholding obligation upon the vesting of RSUs.

4. On November 18, 2024, Mr. Smith was awarded 10,000 RSUs. Each RSU represents the right to receive, following vesting, one share of Class A common stock. Twenty percent (20%) of the restricted stock units will vest 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 Mr. Smith remains in the continuous service of the Company or a subsidiary through each such date.

Remarks:

SEVP, Chief Consumer Banking Officer

	/s/ Julio V. Pena, as Attorney-in-Fact for Braden Smith	11/20/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Amerant Bancorp (AMTB) report in this Form 4?

The filing shows officer Braden Smith exercised 2,000 RSUs into Class A Common Stock and surrendered 787 shares to satisfy tax withholding obligations on 11/18/2025.

How many Amerant Bancorp (AMTB) shares does Braden Smith own after the transaction?

After the reported transactions, Braden Smith directly beneficially owns 2,085.424 shares of Amerant Bancorp Inc. Class A Common Stock.

How many restricted stock units does the Amerant Bancorp (AMTB) officer still hold?

Following the vesting and exercise event on 11/18/2025, Braden Smith beneficially owns 8,000 restricted stock units (RSUs), each tied to one share of Class A Common Stock.

What price was used to cover tax withholding on the Amerant Bancorp (AMTB) RSU vesting?

To satisfy tax withholding on the RSU vesting, 787 shares of Amerant Bancorp Class A Common Stock were surrendered at a price of $17.10 per share.

What is the economic value relationship between Amerant Bancorp (AMTB) RSUs and common shares?

Each restricted stock unit (RSU) is described as the economic equivalent of one share of Amerant Bancorp Inc. Class A Common Stock.

What role does the reporting person hold at Amerant Bancorp (AMTB)?

Braden Smith is identified as an officer of Amerant Bancorp Inc., serving as SEVP, Chief Consumer Banking Officer.

Were any Amerant Bancorp (AMTB) shares acquired through an employee stock purchase plan?

Yes. The beneficial ownership includes 872.424 shares acquired under the Amerant Bancorp Inc. Employee Stock Purchase Plan on May 30, 2025.