American Riviera Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Riviera Bank of Santa Barbara, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.03% | 1.44% | -0.41% | 32nd below |
| ROAE | 9.90% | 12.51% | -2.61% | 31st below |
| Net Interest Margin | 4.10% | 3.84% | +0.26% | 75th top |
| Efficiency Ratio | 60.44% | 58.87% | +1.57% | 43rd below |
| PPNR / Avg Assets | 1.66% | 1.78% | -0.12% | 45th below |
| Yield on Earning Assets | 5.28% | 5.71% | -0.43% | 34th below |
| Cost of Funds | 1.27% | 2.03% | -0.76% | 87th top |
| Net Interest Spread | 3.25% | 3.18% | +0.07% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.96% | -0.28% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.75% | -0.20% | 45th below |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.25% | -0.06% | 57th above |
| ACL / NPLs (Coverage) | 174.10% | 699.42% | -525.32% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.03% | 7.16% | -2.13% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.40% | 17.41% | -5.01% | 32nd below |
| Tier 1 Ratio | 12.40% | 17.45% | -5.05% | 31st below |
| Total Capital Ratio | 13.56% | 18.51% | -4.95% | 32nd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.25% | 11.60% | -0.35% | 65th above |
| Equity / Assets | 10.25% | 11.33% | -1.08% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.95% | 10.65% | -0.70% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.11% | 86.34% | +6.77% | 35th below |
| Core Deposit Ratio | 94.65% | 85.55% | +9.10% | 83rd top |
| Uninsured Deposit Ratio | 36.81% | 32.70% | +4.11% | 35th below |
| Wholesale Funding Ratio | 2.98% | 5.46% | -2.48% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.96% | 10.45% | +0.51% | 79th top |
| Loan Growth (Y/Y) | 13.08% | 7.99% | +5.09% | 81st top |
| Deposit Growth (Y/Y) | 8.90% | 7.98% | +0.92% | 71st above |
See American Riviera Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Riviera Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Riviera Bank profile, how to read a UBPR, or how this data updates.