American Riviera Bank
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Data as of · sourced from FFIEC call reports. How we update
American Riviera Bank is an FDIC-insured commercial bank headquartered in Santa Barbara, CA, established in 2006 (FDIC certificate 58281), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.44B, up 11.0% from Q2 2025, the 49th largest of 113 banks headquartered in California. Its CET1 capital ratio was 12.40% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58281
- Headquarters
- Santa Barbara, CA
- Established
- 2006
- Total assets, Q2 2026
- $1.44B
- Assets vs Q2 2025
- +11.0%
- CET1 ratio, Q2 2026
- 12.40%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 122244333
- Latest call report
- Q2 2026, FFIEC 051 · American Riviera Bank call report
- Holding company
- AMERICAN RIVIERA BANCORP
- Asset rank in state
- 49th of 113 in California
American Riviera Bank leans heavily on commercial real estate. It reported $1.4 billion in assets at June 30, 2026, up 11.0% from a year earlier. It holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). On the other hand, it pays an average of 1.27% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Net income for the quarter rose 24% from a year earlier, to $3.6 million. Over the same year, loans grew 13.1% and deposits grew 8.9%.
As of June 30, 2026, American Riviera Bank reported a CET1 capital ratio of 12.40%, a return on assets of 1.03%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 4.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Riviera Bank is the 49th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $1.44B, loans rose 4.9% and deposits fell 2.3%. Non-owner-occupied commercial real estate loans made up 39.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 18.3%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in CA; its Santa Barbara 2 offices book 50% of its branch deposits. Judged on its Q2 2026 call report, American Riviera Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1033 Anacapa St, Santa Barbara, CA 93101
- County
- Santa Barbara
- Metro Area
- Santa Maria-Santa Barbara, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 18, 2006
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 138
- Domestic deposits
- $1.24B
- Allowance for credit losses
- $13.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.40B
- Average total loans
- $1.12B
- Average interest-bearing deposits
- $745.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 18, 2006
- FDIC Cert
- 58281
- Fed RSSD
- 3388482
- SEC CIK
- 1916425 → filed by AMERICAN RIVIERA BANCORP
- Website
- www.americanriviera.bank →
- Parent Holding Company
- AMERICAN RIVIERA BANCORP (RSSD 5687282)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Riviera Bank's total assets ran between $1.26B (Q4 2023) and $1.44B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.44B total assets against $1.30B; $1.29B total liabilities against $1.16B.
$1.14B net loans and leases against $1.01B; $1.24B total deposits against $1.14B.
$205.6M securities against $203.5M; $28.0M cash and balances due against $28.1M.
$17.8M total interest income against $15.7M; $4.0M total interest expense against $4.1M.
$13.8M net interest income against $11.6M.
$1.1M total noninterest income against $929K; $9.1M total noninterest expense against $8.1M.
$1.0M provision for credit losses against $501K.
$3.6M net income against $2.9M.
1.03% return on assets against 0.91%; 4.10% net interest margin against 3.76%.
12.40% CET1 capital ratio against 13.43%; 11.25% tier 1 leverage ratio against 11.78%.
Inside the full American Riviera Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Riviera Bank rankings
Its closest position to the top of a national ranking is 760 of 4,196, for total assets; its furthest is 1,584 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.73% (Q4 2024) to 1.36% (Q4 2025) and its net interest margin ran from 3.46% (Q4 2024) to 4.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.40% | 1.03% | 0.68% | 4.83% | 4.10% |
| Q1 2026 | 12.69% | 1.22% | 0.73% | 5.11% | 4.03% |
| Q4 2025 | 12.54% | 1.36% | 0.75% | 5.31% | 3.95% |
| Q3 2025 | 12.56% | 0.95% | 0.94% | 6.72% | 3.81% |
| Q2 2025 | 13.43% | 0.91% | 0.83% | 5.62% | 3.76% |
| Q1 2025 | 13.34% | 0.81% | 0.48% | 3.19% | 3.68% |
| Q4 2024 | 13.21% | 0.73% | 0.62% | 4.37% | 3.46% |
| Q3 2024 | 12.93% | 0.74% | 0.05% | 0.38% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Riviera Bank (main office) | Santa Barbara , CA | 93101 | $543.8M |
| Paso Robles | Paso Robles , CA | 93446 | $252.0M |
| San Luis Obispo Branch | San Luis Obispo , CA | 93401 | $172.2M |
| Goleta Branch | Goleta , CA | 93117 | $136.4M |
| Montecito - Upper Village Branch | Santa Barbara , CA | 93108 | $78.2M |
| Atascadero Branch | Atascadero , CA | 93422 | $34.5M |
| Santa Maria Branch | Santa Maria , CA | 93455 | $21.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired The Bank of Santa Barbara Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 73 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 39 applications, 28 loans originated, $36.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $4.4M approved, $435K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Riviera Bank
What are American Riviera Bank's total assets?
As of the Q2 2026 filing, American Riviera Bank reported total assets of $1.44 billion in its FFIEC call report.
Where is American Riviera Bank headquartered?
It is headquartered in Santa Barbara, CA, United States.
When was American Riviera Bank founded?
It was established in 2006, per the FDIC institution directory.
Is American Riviera Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Riviera Bank?
American Riviera Bank's primary federal regulator is the FDIC.
What is American Riviera Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.40% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Riviera Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Riviera Bank's Texas Ratio?
Its Texas Ratio is 4.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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