Amerant Bancorp (AMTB) executive converts RSUs and surrenders shares for tax

Rhea-AI Filing Summary

Amerant Bancorp Inc. executive Carlos Iafigliola exercised restricted stock units and received additional Class A common shares, while surrendering some shares to cover taxes. On February 18, 2026, 2,307 RSUs labeled “LTI 2025” were converted into 2,307 Class A common shares at a price of $0.00 per share.

To satisfy tax withholding on the RSU vesting, 562 Class A shares were surrendered at $22.38 per share, as described in the footnotes. After these transactions, Iafigliola directly held 20,690.61 Class A common shares and 4,614 RSUs designated as “LTI 2025,” each RSU economically equivalent to one Class A share.

Insider Trade Summary

2,307 shares exercised/converted

Mixed 3 txns

Insider Iafigliola Carlos

Role See remarks

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units LTI 2025	2,307	$0.00	--
Exercise	Class A Common Stock	2,307	$0.00	--
Tax Withholding	Class A Common Stock	562	$22.38	$13K

Holdings After Transaction: Restricted Stock Units LTI 2025 — 4,614 shares (Direct); Class A Common Stock — 21,252.61 shares (Direct)

Footnotes (1)

1. Each restricted stock unit ("RSU") is the economic equivalent of one share of Class A Common Stock. 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. On February 18, 2025, Mr. Iafigliola was awarded 6921 RSUs, each representing the right to receive, following vesting, one share of Class A Common Stock. The award vests in substantially equal installments on each of the first three anniversaries of the date of grant, provided that Mr. Iafigliola remains in the continuous service of the Company or a subsidiary through each such date.

Form 4 Insider Transactions: What Each Field Means →

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
Estimated average burden
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^*

Iafigliola Carlos

(Last) (First) (Middle)

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)

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

3. Date of Earliest Transaction (Month/Day/Year)
02/18/2026

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	02/18/2026		M		2,307	A	$0(1)	21,252.61	D
Class A Common Stock	02/18/2026		F		562(2)	D	$22.38	20,690.61	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 LTI 2025	$0(1)	02/18/2026		M			2,307	(3)	(3)	Class A Common Stock	2,307	$0	4,614	D

Explanation of Responses:

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

2. 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.

3. On February 18, 2025, Mr. Iafigliola was awarded 6921 RSUs, each representing the right to receive, following vesting, one share of Class A Common Stock. The award vests in substantially equal installments on each of the first three anniversaries of the date of grant, provided that Mr. Iafigliola remains in the continuous service of the Company or a subsidiary through each such date.

Remarks:

	/s/ Julio V. Pena, as Attorney-in-Fact for Carlos Iafigliola	02/20/2026
	** 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.
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FAQ

What insider transaction did Amerant Bancorp (AMTB) report for Carlos Iafigliola?

Amerant Bancorp reported that executive Carlos Iafigliola exercised 2,307 restricted stock units into Class A common shares. As part of the same event, some shares were surrendered to satisfy tax withholding obligations linked to the vesting of those RSUs, rather than an open-market sale.

How many Amerant Bancorp (AMTB) shares did Carlos Iafigliola acquire and surrender?

Carlos Iafigliola acquired 2,307 Class A common shares through RSU conversion and surrendered 562 shares at $22.38 each to cover tax withholding. This left him with a net increase in directly held shares, while addressing the tax liability from the RSU vesting event.

What are the details of the Amerant Bancorp (AMTB) RSU award to Carlos Iafigliola?

On February 18, 2025, Carlos Iafigliola was awarded 6,921 restricted stock units, each equal to one Class A share. The award vests in substantially equal installments over three years, contingent on his continuous service with Amerant Bancorp or a subsidiary through each vesting date.

How many Amerant Bancorp (AMTB) shares and RSUs does Carlos Iafigliola hold after this filing?

Following the reported transactions, Carlos Iafigliola directly held 20,690.61 shares of Amerant Bancorp Class A common stock and 4,614 RSUs under the LTI 2025 program. Each RSU is economically equivalent to one Class A common share according to the disclosed footnote.

Was the Amerant Bancorp (AMTB) insider transaction an open-market sale?

The filing shows no open-market sale. Instead, 562 shares of Class A common stock were surrendered to satisfy tax withholding obligations arising from the vesting of restricted stock units, as explicitly described in the transaction code F footnote, rather than a discretionary sale for investment purposes.