Alberto Capriles - 17 Feb 2026 Form 4 Insider Report for Amerant Bancorp Inc. (AMTB)

Role: SEVP Chief Risk Officer
Signature: /s/ Julio V. Pena, as Attorney-in-Fact for Alberto Capriles
Issuer symbol: AMTB
Transactions as of: 17 Feb 2026
Net transactions value: -$23,253
Form type: 4
Filing time: 19 Feb 2026, 18:38:04 UTC
Previous filing: 20 Feb 2025
Next filing: 20 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Capriles Alberto	SEVP Chief Risk Officer	220 ALHAMBRA CIRCLE, CORAL GABLES	/s/ Julio V. Pena, as Attorney-in-Fact for Alberto Capriles	19 Feb 2026	0001746225

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	AMTB	Class A Common Stock	Options Exercise	$0	+3,656	+10%	$0.000000	38,821	17 Feb 2026	Direct	F1, F2
transaction	AMTB	Class A Common Stock	Tax liability	$23,253	-1,023	-2.6%	$22.73	37,798	17 Feb 2026	Direct	F3

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	AMTB	Restricted Stock Units LTI 2023	Options Exercise	$0	-1,573	-100%	$0.000000	0	17 Feb 2026	Class A Common Stock	1,573	$0.000000	Direct	F1, F4
transaction	AMTB	Restricted Stock Units LTI 2024	Options Exercise	$0	-2,083	-50%	$0.000000	2,083	17 Feb 2026	Class A Common Stock	2,083	$0.000000	Direct	F1, F5
transaction	AMTB	Restricted Stock Units LTI 2026	Award	$0	+6,183		$0.000000	6,183	17 Feb 2026	Class A Common Stock	6,183	$0.000000	Direct	F1, F6
transaction	AMTB	Performance Based Restricted Stock Units LTI 2026	Award	$0	+6,183		$0.000000	6,183	17 Feb 2026	Class A Common Stock	6,183	$0.000000	Direct	F7, F8

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Each restricted stock unit ("RSU") is the economic equivalent of one share of Class A Common Stock.
F2	Includes 436.21 and 443.29 shares acquired under the Amerant Bancorp Inc. Employee Stock Purchase Plan on May 30, 2025 and November 28, 2025, respectively.
F3	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.
F4	On February 16, 2023, Mr. Capriles was awarded 4,718 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. Capriles remains in the continuous service of the Company or a subsidiary through each such date. Since the anniversary of the date of grant was on Monday, February 16, 2026, a federal holiday, the vesting occurred on Tuesday, February 17, 2026, the next business day.
F5	On February 16, 2024, Mr. Capriles was awarded 6,249 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. Capriles remains in the continuous service of the Company or a subsidiary through each such date. Since the anniversary of the date of grant was on Monday, February 16, 2026, a federal holiday, the vesting occurred on Tuesday, February 17, 2026, the next business day.
F6	On February 17, 2026, Mr. Capriles was awarded 6,183 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. Capriles remains in the continuous service of the Company or a subsidiary through each such date.
F7	Each performance-based restricted stock unit ("PSU") is the economic equivalent of one share of Class A Common Stock.
F8	PSUs awarded to Mr. Capriles, each representing the right to receive, following vesting, one share of Class A Common Stock. The actual number of PSUs earned shall be based on the achievement of the Relative Adjusted Return on Average Tangible Common Equity at a Threshold, Target or Maximum level set by the Compensation and Human Capital Committee (the "Committee") further modified by the achievement of specified Threshold, Target or Maximum levels set by the Committee of Relative Total Shareholder Return for a 3-year period beginning January 1, 2026 and ending on December 31, 2028, and in general can range from 40% to 180% of the PSUs. The number reported reflects the target number of PSUs Mr. Capriles may earn.