Amerant Bancorp Inc. – Senior Notes Offering

Amerant Bancorp Inc. has entered into an underwriting agreement with Raymond James & Associates, Inc. for the offering and sale of $50 million in aggregate principal amount of 7.00% Senior Notes due 2031. The offering was completed on September 17, 2026, with the Company receiving net proceeds of approximately $48.4 million after deducting the underwriter's discount and offering expenses. The net proceeds are intended for general corporate purposes, including working capital, supporting the organic growth of Amerant Bank, N.A., repaying outstanding indebtedness, and repurchasing shares of the Company's Class A common stock. The Notes are unsecured and unsubordinated, with interest payable semi-annually at 7.00% per annum, and they mature on September 17, 2031. This report details the terms of the underwriting agreement, the base and supplemental indentures, and the notes themselves, as well as other related events and exhibits.