American Riviera Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.0% to $1.27B. American Riviera Bank ranks 62nd of 74 California banks on CET1 ratio, in the lower half at 12.40% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. American Riviera Bank sits 1.08 points lower, at 12.40% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.40% |
| Tier 1 risk-based capital ratio | 12.40% |
| Total risk-based capital ratio | 13.56% |
| Tier 1 leverage ratio | 11.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $157.0M |
| Tier 1 capital | $157.0M |
| Total risk-based capital | $171.7M |
| Total equity capital | $147.8M |
| Risk-weighted assets | $1.27B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.25% |
| Tangible equity to tangible assets | 9.95% |
| Equity capital to average assets | 10.56% |
| Internal capital growth rate | 10.03% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $48.3M |
| Common stock surplus | $27.3M |
| Retained earnings | $86.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$14.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.14% | 12.14% | 13.28% | 10.12% | $1.08B |
| Q4 2023 | 12.62% | 12.62% | 13.77% | 10.62% | $1.07B |
| Q1 2024 | 12.76% | 12.76% | 13.90% | 10.82% | $1.07B |
| Q2 2024 | 12.85% | 12.85% | 13.99% | 11.00% | $1.09B |
| Q3 2024 | 12.93% | 12.93% | 14.05% | 11.15% | $1.10B |
| Q4 2024 | 13.21% | 13.21% | 14.36% | 11.17% | $1.10B |
| Q1 2025 | 13.34% | 13.34% | 14.51% | 11.55% | $1.11B |
| Q2 2025 | 13.43% | 13.43% | 14.64% | 11.78% | $1.12B |
| Q3 2025 | 12.56% | 12.56% | 13.77% | 10.69% | $1.15B |
| Q4 2025 | 12.54% | 12.54% | 13.68% | 10.55% | $1.19B |
| Q1 2026 | 12.69% | 12.69% | 13.82% | 11.16% | $1.21B |
| Q2 2026 | 12.40% | 12.40% | 13.56% | 11.25% | $1.27B |
American Riviera Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock American Riviera Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Riviera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58281) · FFIEC NIC profile (RSSD 3388482)