American Riviera Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.60 percentage points higher than in Q1 2026, at 387.14%. American Riviera Bank ranks 50th of 114 California banks on loan-to-deposit ratio, in the upper half at 93.11% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American Riviera Bank sits 4.91 points higher, at 93.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.15B |
| Net loans and leases | $1.14B |
| Loans held for sale | $0 |
| Loans to total assets | 79.98% |
| Loan-to-deposit ratio | 93.11% |
| Net loans to equity capital | 7.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.75% |
| Multifamily (5+ residential) | 7.78% |
| Commercial and industrial | 7.34% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 1.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 387.14% |
| Construction concentration (Tier 1 capital + allowance) | 54.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $16.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $941.1M | $1.11B | 59.43% | 6.24% | 0.02% |
| Q4 2023 | $946.4M | $1.06B | 58.65% | 6.58% | 0.01% |
| Q1 2024 | $950.8M | $1.06B | 58.68% | 6.04% | 0.02% |
| Q2 2024 | $963.7M | $1.08B | 58.64% | 6.59% | 0.22% |
| Q3 2024 | $976.3M | $1.14B | 57.47% | 7.48% | 0.02% |
| Q4 2024 | $989.9M | $1.12B | 55.51% | 7.60% | 0.03% |
| Q1 2025 | $994.8M | $1.14B | 54.92% | 7.94% | 0.03% |
| Q2 2025 | $1.02B | $1.14B | 54.00% | 8.53% | 0.03% |
| Q3 2025 | $1.04B | $1.27B | 54.94% | 8.34% | 0.03% |
| Q4 2025 | $1.08B | $1.21B | 56.73% | 7.27% | 0.05% |
| Q1 2026 | $1.10B | $1.27B | 56.42% | 6.97% | 0.05% |
| Q2 2026 | $1.15B | $1.24B | 55.75% | 7.34% | 0.05% |
American Riviera Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Riviera Bank, freeSource: Call Report Schedule RC-C, 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)