EX-25.1

Exhibit 25.1

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM T-1

STATEMENT OF ELIGIBILITY

UNDER THE TRUST INDENTURE ACT OF 1939

OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE

☐	Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2)

UMB BANK, NATIONAL ASSOCIATION

(Exact name of Trustee as specified in its charter)

44-0194180

I.R.S. Employer Identification No.


1010 Grand Blvd.
Kansas City, Missouri		64106
(Address of principal executive offices)		(Zip Code)

Shazia Flores

UMB BANK, NATIONAL ASSOCIATION

5555 San Felipe, Suite 870

Houston, Texas 77056

(713) 300-0586

(Name, address and telephone number of agent for service)

Amerant Bancorp Inc.

(Issuer with respect to the Securities)


Florida		65-0032379
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

220 Alhambra Circle Coral Gables, Florida		33134
(Address of Principal Executive Offices)		(Zip Code)

4.25% Fixed-to-Floating Rate Subordinated Notes due 2032

(Title of the Indenture Securities)

TABLE OF SUBSIDIARY GUARANTOR REGISTRANTS

Exact Name of Co-

Registrant as Specified in its

Charter

State of Other Jurisdiction of Incorporation or Organization

I.R.S. Employer

Identification Number

Amerant Florida Bancorp Inc.

Florida

80-0297916

The subsidiary guarantor registrant has the following principal executive office:


		c/o Amerant Florida Bancorp Inc.
		220 Alhambra Circle, 12^th Floor
		Coral Gables, Florida 33134
		(305) 460-4038

FORM T-1

Item 1.

GENERAL INFORMATION. Furnish the following information as to the Trustee.

Name and address of each examining or supervising authority to which it is subject.


		The Comptroller of the Currency
		Mid-Western District
		2345 Grand Avenue, Suite 700
		Kansas City, Missouri 64108

		Federal Reserve Bank of Kansas City
		Federal Reserve P.O. Station
		Kansas City, Missouri 64198

		Supervising Examiner
		Federal Deposit Insurance Corporation
		720 Olive Street, Suite 2909
		St. Louis, Missouri 63101

Whether it is authorized to exercise corporate trust powers.



		Yes

Item 2.

AFFILIATIONS WITH OBLIGOR. If the obligor is an affiliate of the Trustee, describe each such affiliation.

None

Items 3-15

Items 3-15 are not applicable because, to the best of the Trustee’s knowledge, the obligor is not in default under any Indenture for which the Trustee acts as Trustee.

Item 16.

LIST OF EXHIBITS: List below all exhibits filed as a part of this statement of eligibility and qualification.

A copy of the Articles of Association of the Trustee (Exhibit 1 to Form T-1 filed with Registration Statement No. 333-74008).

Certificate of Authority from the Comptroller of the Currency evidencing a change of the corporate title of the Association (Exhibit 2 to Form T-1 filed with Registration Statement No. 333-74008).

Certificate from the Comptroller of the Currency evidencing authority to exercise corporate trust powers and a letter evidencing a change of the corporate title of the Association (Exhibit 3 to Form T-1 filed with Registration Statement No. 333-74008).

Bylaws, as amended of the Trustee (Exhibit 4 to Form T-1 filed with Registration Statement No. 333-74008).

A copy of each Indenture referred to in Item 4. Not applicable.

The consent of the Trustee required by Section 321(b) of the Act (Exhibit 6 to Registration Statement No. 333-74008).

Report of Condition of the Trustee as of June 30, 2018 published pursuant to law or the requirements of its supervising or examining authority, attached as Exhibit 7.

SIGNATURE

Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the Trustee, UMB BANK, NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility and qualification to be signed on its behalf by the undersigned, thereunto duly authorized, all in the city of Houston, State of Texas on the 18th of April, 2022.


By:
		Shazia Flores
		Vice President

Exhibit 7

(See Attached)