American Riviera Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 15.18 percentage points in Q2 2026, from 158.92% to 174.10%. It was the largest change from Q1 2026 among the key lines here. Within California, American Riviera Bank is 59th of 114 on return on assets, 1.03% as of Q2 2026, below the middle of the field. American Riviera Bank reported 1.03% on return on assets for Q2 2026, 0.24 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.40% |
| Tier 1 risk-based capital ratio | 12.40% |
| Total risk-based capital ratio | 13.56% |
| Tier 1 leverage ratio | 11.25% |
| Equity capital to assets | 10.25% |
| Tangible equity to tangible assets | 9.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.03% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 174.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 9.90% |
| Net interest margin | 4.10% |
| Efficiency ratio | 60.44% |
| Yield on earning assets | 5.28% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.11% |
| Core deposits to total deposits | 94.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.90% |
| Securities to assets | 14.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.14% | 12.14% | 13.28% | 10.12% | 0.90% |
| Q4 2023 | 12.62% | 12.62% | 13.77% | 10.62% | 0.78% |
| Q1 2024 | 12.76% | 12.76% | 13.90% | 10.82% | 0.77% |
| Q2 2024 | 12.85% | 12.85% | 13.99% | 11.00% | 0.77% |
| Q3 2024 | 12.93% | 12.93% | 14.05% | 11.15% | 0.74% |
| Q4 2024 | 13.21% | 13.21% | 14.36% | 11.17% | 0.73% |
| Q1 2025 | 13.34% | 13.34% | 14.51% | 11.55% | 0.81% |
| Q2 2025 | 13.43% | 13.43% | 14.64% | 11.78% | 0.91% |
| Q3 2025 | 12.56% | 12.56% | 13.77% | 10.69% | 0.95% |
| Q4 2025 | 12.54% | 12.54% | 13.68% | 10.55% | 1.36% |
| Q1 2026 | 12.69% | 12.69% | 13.82% | 11.16% | 1.22% |
| Q2 2026 | 12.40% | 12.40% | 13.56% | 11.25% | 1.03% |
American Riviera Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Riviera Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)