AMERICAN RIVIERA BANK

SANTA BARBARA, CA | Large | Est. July 18, 2006, midnight | FDIC #58281 | RSSD #3388482 | FDIC
Latest Report: 2025-12-31

AMERICAN RIVIERA BANK is aln large FDIC-insured commercial bank headquartered in SANTA BARBARA, CA, established in July 18, 2006, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 1.38% ROA and 14.04% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 12.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 5.30%. FDIC Certificate #58281.

Assets

$1.4B

Deposits

$1.2B

Loans

$1.1B

Equity

$140M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 14.04%
Net Interest Margin (NIM) 4.21%
Yield on Assets 5.54%
Cost of Funds 2.96%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio --
Texas Ratio 5.30%
NPA Ratio 0.59%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 12.54%
Tier 1 Capital 12.54%
Total Capital Ratio 13.68%
Leverage Ratio 10.55%
Loan-to-Deposit 89.12%

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