Amerant Bancorp (AMTB) director Millar Wilson reports Class A share gifts

Rhea-AI Filing Summary

Amerant Bancorp Inc. director Millar Wilson reported stock gifts involving the company’s Class A common stock. On 12/19/2025, he transferred 4,000 shares as a bona fide gift, reducing his directly held position to 112,249 shares.

On the same date, he made four separate bona fide gifts of 1,000 shares each at a price of $0 per share to custodial accounts for four minor grandchildren. Each custodial account now holds 2,345 shares reported as indirectly owned. The filing states that Wilson disclaims pecuniary interest and beneficial ownership in the custodial accounts and the gifted shares.

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

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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^*

Wilson Millar

(Last) (First) (Middle)

C/O AMERANT BANCORP INC.

220 ALHAMBRA CIRCLE

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
12/19/2025

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	12/19/2025		G(1)		4,000	D	$0	112,249	D
Class A Common Stock	12/19/2025		G(2)		1,000	A	$0	2,345	I(3)	Custodial Account for Grandchild 1
Class A Common Stock	12/19/2025		G(2)		1,000	A	$0	2,345	I(3)	Custodial Account for Grandchild 2
Class A Common Stock	12/19/2025		G(2)		1,000	A	$0	2,345	I(3)	Custodial Account for Grandchild 3
Class A Common Stock	12/19/2025		G(2)		1,000	A	$0	2,345	I(3)	Custodial Account for Grandchild 4

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

Explanation of Responses:

1. Bona fide gift to four custodial accounts for which reporting person is the custodian. The reporting person disclaims any pecuniary interest in the accounts' assets or the gifted shares.

2. Bona fide gift to a custodial account for which reporting person is the custodian. The reporting person disclaims any pecuniary interest in the accounts' assets or the gifted shares.

3. These shares are held in an account for one of the reporting person's minor grandchildren and the reporting person is the custodian of the account. The reporting person disclaims ownership of the shares held in the custodial account, and this report is not an admission that the reporting person is the beneficial owner of these shares for purposes of Section 16 or for any other purpose.

Remarks:

	/s/ Julio V. Pena as Attorney-in-Fact for Millar Wilson	12/19/2025
	** 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 Form 4 reports that director Millar Wilson made bona fide gifts of Amerant Bancorp Inc. Class A common stock on 12/19/2025, including a transfer of 4,000 shares from his direct holdings and four separate gifts of 1,000 shares each to custodial accounts for his minor grandchildren.

How many Amerant Bancorp (AMTB) shares does the director own directly after the reported gifts?

After the reported transactions on 12/19/2025, director Millar Wilson is shown as directly beneficially owning 112,249 shares of Amerant Bancorp Inc. Class A common stock.

What is the nature of the gifts made by the Amerant Bancorp (AMTB) director?

The filing describes the transactions as bona fide gifts. One gift involved 4,000 shares to four custodial accounts, and four additional gifts of 1,000 shares each were made to individual custodial accounts for minor grandchildren. The reporting person is custodian of these accounts.

How many Amerant Bancorp (AMTB) shares are reported in each custodial account after the gifts?

Each of the four custodial accounts for the director’s minor grandchildren is reported as holding 2,345 shares of Amerant Bancorp Inc. Class A common stock, shown as indirectly owned by the reporting person.

Does the Amerant Bancorp (AMTB) director claim beneficial ownership of the gifted shares?

No. The filing states that the reporting person disclaims any pecuniary interest in the custodial accounts’ assets and the gifted shares and disclaims ownership of the shares held in the custodial accounts.

Were any derivative securities reported in this Amerant Bancorp (AMTB) Form 4 filing?

No derivative securities are reported. Table II, which covers derivative securities, does not list any transactions or holdings.