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

Role: SEVP - Chief Financial Officer
Signature: /s/ Julio V. Pena, as Attorney-in-Fact for Sharymar Calderon
Issuer symbol: AMTB
Transactions as of: 17 Feb 2026
Net transactions value: -$16,934
Form type: 4
Filing time: 19 Feb 2026, 18:37:05 UTC
Previous filing: 03 Jun 2025
Next filing: 20 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Calderon Sharymar	SEVP - Chief Financial Officer	C/O AMERANT BANCORP INC., 220 ALHAMBRA CR., CORAL GABLES	/s/ Julio V. Pena, as Attorney-in-Fact for Sharymar Calderon	19 Feb 2026	0001979297

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	AMTB	Class A Common Stock	Options Exercise	$0	+3,057	+23%	$0.000000	16,093	17 Feb 2026	Direct	F1, F2
transaction	AMTB	Class A Common Stock	Tax liability	$16,934	-745	-4.6%	$22.73	15,348	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	-834	-28%	$0.000000	2,102	17 Feb 2026	Class A Common Stock	834	$0.000000	Direct	F1, F4, F5
transaction	AMTB	Restricted Stock Units LTI 2024	Options Exercise	$0	-2,223	-50%	$0.000000	2,223	17 Feb 2026	Class A Common Stock	2,223	$0.000000	Direct	F1, F6
transaction	AMTB	Restricted Stock Units LTI 2026	Award	$0	+8,249		$0.000000	8,249	17 Feb 2026	Class A Common Stock	8,249	$0.000000	Direct	F1, F7
transaction	AMTB	Performance Based Restricted Stock Units LTI 2026	Award	$0	+8,249		$0.000000	8,249	17 Feb 2026	Class A Common Stock	8,249	$0.000000	Direct	F8, F9

* 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 305.35 and 310.3 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, Ms. Calderon was awarded 2,500 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 Ms. Calderon 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	Balance reflects unvested RSUs awarded to Ms. Calderon on June 1, 2023.
F6	On February 16, 2024, Ms. Calderon was awarded 6,669 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 Ms. Calderon 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.
F7	On February 17, 2026, Ms. Calderon was awarded 8,249 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 Ms. Calderon remains in the continuous service of the Company or a subsidiary through each such date.
F8	Each performance-based restricted stock unit ("PSU") is the economic equivalent of one share of Class A Common Stock.
F9	PSUs awarded to Ms. Calderon, 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 Ms. Calderon may earn.