Net income attributable to Amerant Bancorp Inc. was $52.4 million in 2025, a significant increase from a net loss of $15.8 million in 2024. Diluted earnings per common share were $1.26 in 2025, compared to a loss of $0.44 per diluted share in 2024. Total assets decreased by $124.7 million (1.3%) to $9.8 billion at December 31, 2025, from $9.9 billion at December 31, 2024. Total gross loans decreased by $574.1 million to $6.7 billion at December 31, 2025, from $7.3 billion at December 31, 2024. Total deposits decreased by $67.7 million (0.9%) to $7.8 billion at December 31, 2025, from $7.9 billion at December 31, 2024. Net Interest Margin (NIM) increased to 3.82% in 2025 from 3.58% in 2024. Average yield on loans decreased to 6.85% in 2025 from 7.06% in 2024. Average cost of total deposits decreased to 2.47% in 2025 from 2.94% in 2024. Loan to deposit ratio improved to 86.01% at December 31, 2025, from 92.57% at December 31, 2024. Total non-performing assets increased by $64.7 million (53.0%) to $186.9 million at December 31, 2025, from $122.2 million at December 31, 2024. Allowance for credit losses (ACL) decreased by $5.7 million (6.7%) to $79.3 million at December 31, 2025, from $85.0 million at December 31, 2024. Classified loans increased by $188.3 million (113.1%) to $354.8 million at December 31, 2025, from $166.5 million at December 31, 2024. Special mention loans increased by $131.0 million (2423.2%) to $136.5 million at December 31, 2025, from $5.4 million at December 31, 2024. Core deposits increased by $170.7 million (3.0%) to $5.8 billion at December 31, 2025, from $5.6 billion at December 31, 2024. Assets Under Management and Custody (AUM) increased by $366.7 million (12.7%) to $3.3 billion at December 31, 2025, from $2.9 billion at December 31, 2024. Pre-provision net revenue (PPNR) increased by $72.4 million (198.9%) to $108.7 million in 2025 from $36.4 million in 2024. Net interest income (NII) increased by $34.7 million (10.7%) to $360.7 million in 2025 from $326.0 million in 2024. Provision for credit losses decreased to $42.6 million in 2025 from $60.5 million in 2024. Non-interest income increased by $68.7 million (693.3%) to $78.6 million in 2025 from $9.9 million in 2024, primarily due to higher securities gains. Non-interest expense increased by $31.1 million (10.4%) to $330.6 million in 2025 from $299.5 million in 2024. Efficiency ratio improved to 75.25% in 2025 from 89.17% in 2024. Return on average assets (ROA) was 0.51% in 2025 compared to -0.16% in 2024. Return on average equity (ROE) was 5.62% in 2025 compared to -1.99% in 2024.