Interest Rate Sensitivity Risk: Changes in market interest rates could significantly impact the bank's net interest margin and overall profitability, particularly if the cost of funds rises faster than loan yields.

Loan Portfolio Credit Risk: The bank faces the risk of loan defaults and credit quality deterioration, especially within its commercial real estate and commercial and industrial loan portfolios, which could lead to increased loan loss provisions.

Liquidity and Funding Risk: Amerant Bancorp could face challenges in maintaining sufficient liquidity to meet its funding obligations, deposit outflows, or unexpected cash demands, particularly during periods of economic uncertainty or market stress.