EXHIBIT 25.1

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UNITED STATES
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)           [X]
___________________________
THE BANK OF NEW YORK MELLON
(Exact name of trustee as specified in its charter)
New York
(Jurisdiction of incorporation if not a U.S. national bank)
13-5160382
(I.R.S. Employer Identification No.)
240 Greenwich Street, New York, N.Y.
(Address of principal executive offices)
10286
(Zip code)
___________________________
AMERANT BANCORP INC.
(Exact name of obligor as specified in its charter)
Florida
(State or other jurisdiction of incorporation or organization)
65-0032379
(I.R.S. Employer Identification No.)
220 Alhambra Circle
Coral Gables, Florida
(Address of principal executive offices)
33134
(Zip code)
_____________________________

Debt Securities
(Title of the indenture securities)
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1.
General information. Furnish the following information as to the Trustee:
(a)
Name and address of each examining or supervising authority to which it is subject.
Name
Address
Superintendent of the Department of Financial Services of the State of New York
One State Street, New York, N.Y. 10004-1417, and Albany, N.Y. 12223
Federal Reserve Bank of New York
33 Liberty Street, New York, N.Y. 10045
Federal Deposit Insurance Corporation
550 17th Street, NW, Washington, D.C. 20429
The Clearing House Association L.L.C.
100 Broad Street, New York, N.Y. 10004

(b)
Whether it is authorized to exercise corporate trust powers.
Yes.
2.
Affiliations with Obligor.
If the obligor is an affiliate of the trustee, describe each such affiliation.
None.
16.
List of Exhibits.
Exhibits identified in parentheses below, on file with the Commission, are incorporated herein by reference as an exhibit hereto, pursuant to Rule 7a‑29 under the Trust Indenture Act of 1939 (the "Act") and 17 C.F.R. 229.10(d).
1.
A copy of the Organization Certificate of The Bank of New York Mellon (formerly known as The Bank of New York, itself formerly Irving Trust Company) as now in effect, which contains the authority to commence business and a grant of powers to exercise corporate trust powers. (Exhibit 1 to Amendment No. 1 to Form T-1 filed with Registration Statement No. 33-6215, Exhibits 1a and 1b to Form T-1 filed with Registration Statement No. 33-21672, Exhibit 1 to Form T-1 filed with Registration Statement No. 33-29637, Exhibit 1 to Form T-1 filed with Registration Statement No. 333-121195 and Exhibit 1 to Form T-1 filed with Registration Statement No. 333-152735).



4.
A copy of the existing By-laws of the Trustee (Exhibit 4 to Form T-1 filed with Registration Statement No. 333-229494).
6.
The consent of the Trustee required by Section 321(b) of the Act.
7.
A copy of the latest report of condition of the Trustee published pursuant to law or to the requirements of its supervising or examining authority.


SIGNATURE
Pursuant to the requirements of the Act, the Trustee, The Bank of New York Mellon, a corporation organized and existing under the laws of the State of New York, has duly caused this statement of eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in The City of New York, and State of New York, on the 19th day of November, 2019.
THE BANK OF NEW YORK MELLON

By:
/s/ Francine Kincaid
Name:
Francine Kincaid
Title:
Vice President



CONSENT OF THE TRUSTEE
REQUIRED BY SECTION 321(b) OF THE ACT

In accordance with Section 321(b) of the Trust Indenture Act of 1939, as amended, the undersigned, The Bank of New York Mellon, hereby consents that reports of examinations of the undersigned by federal, state, territorial, or district authorities authorized to make such examinations may be furnished by such authorities to the Securities and Exchange Commission upon request therefor.
Dated: November 19, 2019
THE BANK OF NEW YORK MELLON
By:
/s/ Francine Kincaid
Name:
Francine Kincaid
Title:
Vice President



        


Consolidated Report of Condition of

THE BANK OF NEW YORK MELLON
of 240 Greenwich Street, New York, N.Y. 10286
And Foreign and Domestic Subsidiaries,
a member of the Federal Reserve System, at the close of business September 30, 2019, published in accordance with a call made by the Federal Reserve Bank of this District pursuant to the provisions of the Federal Reserve Act.
ASSETS

Dollar amounts in thousands

Cash and balances due from depository institutions:
 
Noninterest-bearing balances and currency and coin
5,960,000
Interest-bearing balances
91,499,000
Securities:
 
Held-to-maturity securities
33,769,000
Available-for-sale securities
86,659,000
Equity securities with readily determinable fair values not held for trading
48,000
Federal funds sold and securities purchased under agreements to resell:
 
   Federal funds sold in domestic offices
0
   Securities purchased under agreements to
   resell
30,340,000
Loans and lease financing receivables:
 
Loans and leases held for sale
0
Loans and leases held for investment
25,722,000
LESS: Allowance for loan and lease losses
101,000
Loans and leases held for investment, net of allowance
25,621,000
Trading assets
4,410,000
Premises and fixed assets (including capitalized leases)
2,653,000
Other real estate owned
2,000
Investments in unconsolidated subsidiaries and associated companies
1,764,000
Direct and indirect investments in real estate ventures
0
Intangible assets:
6,997,000
Other assets
14,374,000
Total assets
304,096,000
 
 
 
 

        

LIABILITIES
 
Deposits:
 
In domestic offices
143,571,000
Noninterest-bearing
53,707,000
Interest-bearing
89,864,000
In foreign offices, Edge and Agreement subsidiaries, and IBFs
111,933,000
Noninterest-bearing
3,725,000
Interest-bearing
108,208,000
Federal funds purchased and securities sold under agreements to repurchase:
 
   Federal funds purchased in domestic offices
3,578,000
   Securities sold under agreements to
     repurchase
1,375,000
Trading liabilities
2,627,000
Other borrowed money:
(includes mortgage indebtedness and obligations under capitalized leases)
7,503,000
Not applicable
 
Not applicable
 
Subordinated notes and debentures
0
Other liabilities
7,506,000
Total liabilities
278,093,000
EQUITY CAPITAL
 
Perpetual preferred stock and related surplus
0
Common stock
1,135,000
Surplus (exclude all surplus related to preferred stock)
11,107,000
Retained earnings
15,167,000
Accumulated other comprehensive income
-1,406,000
Other equity capital components
0
Total bank equity capital
26,003,000
Noncontrolling (minority) interests in consolidated subsidiaries
0
Total equity capital
26,003,000
Total liabilities and equity capital
304,096,000
 
 
 
 
 
 



I, Michael Santomassimo, Chief Financial Officer of the above-named bank do hereby declare that this Report of Condition is true and correct to the best of my knowledge and belief.
Michael Santomassimo
Chief Financial Officer
We, the undersigned directors, attest to the correctness of this statement of resources and liabilities. We declare that it has been examined by us, and to the best of our knowledge and belief has been prepared in conformance with the instructions and is true and correct.
Thomas P. Gibbons
Samuel C. Scott
Joseph J. Echevarria
 
Directors