Lenders › Amerant Bank, National Association
7(a) lenderCoral Gables, FloridaFDIC-insured bank344th of 2,184 by approvals
Amerant Bank, National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
In FY2021 to FY2025 SBA approved 88 7(a) loans, worth $112M, through Amerant Bank, National Association of Coral Gables, Florida, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 344th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 10 approvals totalling $12.5M, down 47% on FY2024 (19). FY2026 to 30 Jun 2026 adds 3 more.
The median approval was $690K, against $190K for the 7(a) program as a whole; 6.8% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 3 states and territories and 14 counties, led by Florida (64.8%), Texas (33.0%) and California (2.3%). The largest industry group was wholesale trade at 25.0% of approvals, and 9.1% of approvals were to franchise businesses.
Of 75 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (6.7%), 64 as paid in full and 6 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 3 | $5.2M | $1.5M | $1.7M | 16 |
| FY2025 | 10 | $12.5M | $631K | $1.3M | 189 |
| FY2024 | 19 | $36.4M | $1.2M | $1.9M | 524 |
| FY2023 | 17 | $16.9M | $500K | $995K | 241 |
| FY2022 | 22 | $31.5M | $712K | $1.4M | 323 |
| FY2021 | 20 | $15.1M | $369K | $754K | 252 |
| FY2020 | 8 | $7.6M | $475K | $950K | 124 |
| FY2019 | 7 | $5.8M | $800K | $823K | 51 |
| FY2018 | 9 | $12.2M | $1.0M | $1.4M | 163 |
| FY2017 | 10 | $5.9M | $250K | $591K | 126 |
| FY2016 | 8 | $4.3M | $422K | $535K | 39 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 42 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Florida | 7(a) program |
|---|---|---|---|
| Approvals in these years | 94 | 31,863 | 639,905 |
| Cancelled or never disbursed | 19 | 3,596 | 79,313 |
| Disbursed loans | 75 | 28,267 | 560,592 |
| Paid in full | 64 | 20,064 | 435,813 |
| Charged off | 5 | 2,783 | 36,891 |
| Still outstanding (status exempt from disclosure) | 6 | 5,420 | 87,888 |
| Charged off, share of disbursed loans | 6.7% | 9.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.2% | 3.1% | 2.5% |
| Dollars charged off | $1.2M | $442M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 16 | 13 | 0 | — | 2.8% |
| FY2020 | 6 | 3 | 1 | — | 4.0% |
| FY2019 | 5 | 4 | 1 | — | 6.7% |
| FY2018 | 9 | 9 | 0 | — | 7.9% |
| FY2017 | 9 | 8 | 0 | — | 7.7% |
| FY2016 | 8 | 6 | 2 | — | 7.2% |
| FY2015 | 8 | 8 | 0 | — | 6.9% |
| FY2014 | 1 | 1 | 0 | — | 6.4% |
| FY2013 | 2 | 2 | 0 | — | 6.0% |
| FY2012 | 7 | 7 | 0 | — | 6.3% |
| FY2011 | 3 | 2 | 1 | — | 6.9% |
| FY2010 | 1 | 1 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $690K | $190K |
| Average approval | $1.3M | $518K |
| Approvals of $150,000 or less | 6.8% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 22.7% | 34.3% |
| Approvals to franchise businesses | 9.1% | 11.5% |
| Jobs supported per approval, as reported | 17.4 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 6.7% | 6.6% |
States served
| # | State of the business (3 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida | 57 | $63.4M | 64.8% | |
| 2 | Texas | 29 | $48.6M | 33.0% | |
| 3 | California | 2 | — | 2.3% |
In Florida the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (14 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Miami-Dade County, FL | 39 | $44.9M | 44.3% | |
| 2 | Harris County, TX | 21 | $37.3M | 23.9% | |
| 3 | Broward County, FL | 6 | $7.0M | 6.8% | |
| 4 | Fort Bend County, TX | 5 | $3.6M | 5.7% | |
| 5 | Palm Beach County, FL | 4 | $4.7M | 4.5% | |
| 6 | Osceola County, FL | 3 | $510K | 3.4% | |
| 7 | Polk County, FL | 2 | — | 2.3% | |
| 8 | Los Angeles County, CA | 2 | — | 2.3% | |
| 9 | Comal County, TX | 1 | — | 1.1% | |
| 10 | Pasco County, FL | 1 | — | 1.1% | |
| 11 | Bexar County, TX | 1 | — | 1.1% | |
| 12 | Montgomery County, TX | 1 | — | 1.1% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Wholesale Trade | 22 | 25.0% | |
| 2 | Manufacturing | 19 | 21.6% | |
| 3 | Health Care and Social Assistance | 7 | 8.0% | |
| 4 | Accommodation and Food Services | 7 | 8.0% | |
| 5 | Professional, Scientific, and Technical Services | 6 | 6.8% | |
| 6 | Mining, Quarrying, and Oil and Gas Extraction | 4 | 4.5% | |
| 7 | Retail Trade | 4 | 4.5% | |
| 8 | Educational Services | 3 | 3.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 8.0% | |
| 2 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 5 | 5.7% | |
| 3 | Chemical and Allied Products Merchant WholesalersNAICS 4246 | 4 | 4.5% | |
| 4 | Support Activities for MiningNAICS 2131 | 4 | 4.5% | |
| 5 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 4 | 4.5% | |
| 6 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 3 | 3.4% | |
| 7 | Agriculture, Construction, and Mining Machinery ManufacturingNAICS 3331 | 3 | 3.4% | |
| 8 | Miscellaneous Nondurable Goods Merchant WholesalersNAICS 4249 | 3 | 3.4% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 3.4% | |
| 10 | Bakeries and Tortilla ManufacturingNAICS 3118 | 3 | 3.4% |
Approval sizes
- $50,001 to $150,0006.8%6
- $150,001 to $350,00027.3%24
- $350,001 to $1 million33.0%29
- $1 million to $2 million8.0%7
- Over $2 million25.0%22
Loan terms
- 5 years or less21.6%19
- Over 5 to 10 years64.8%57
- Over 10 to 20 years10.2%9
- Over 20 years3.4%3
Age of the businesses
- Existing, more than 2 years old67.0%59
- New business, 2 years or less8.0%7
- Startup, loan funds will open the business14.8%13
- Change of ownership10.2%9
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 27 | 30.7% | |
| 2 | 7a General | 24 | 27.3% | |
| 3 | 7a with EWCP | 13 | 14.8% | |
| 4 | Preferred Lenders Program | 13 | 14.8% | |
| 5 | Working Capital CAPLine | 4 | 4.5% | |
| 6 | Export Express | 4 | 4.5% |
Franchise share
8 of 88 approvals in FY2021–FY2025 (9.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Vicky Bakery | 2 | 2.3% | |
| 2 | Nothing Bundt Cakes | 2 | 2.3% | |
| 3 | Pure Barre | 2 | 2.3% | |
| 4 | Urban Air Adventure Park | 1 | 1.1% | |
| 5 | Raining Berries | 1 | 1.1% |
Questions and answers
How many SBA loans does Amerant Bank, National Association make?
SBA approved 10 7(a) loans through Amerant Bank, National Association in FY2025, worth $12.5M, and 88 over FY2021 to FY2025. That ranks 344th of 2,184 active 7(a) lenders by number of approvals.
How large are Amerant Bank, National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $690K and the average $1.3M. The program-wide median was $190K.
What is Amerant Bank, National Association's charge-off rate?
Of 75 disbursed loans approved in FY2010 to FY2021, SBA records 5 as charged off (6.7%), 64 as paid in full and 6 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Amerant Bank, National Association lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (7); miscellaneous durable goods merchant wholesalers (5); chemical and allied products merchant wholesalers (4); support activities for mining (4).
Where does Amerant Bank, National Association make SBA loans?
In 3 states and territories. Florida 57, Texas 29, California 2. In Florida it accounts for 0.2% of all 7(a) approvals.
Is Amerant Bank, National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 46, against 50 in the three before: broadly level (-8%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error