American Riviera Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense climbed 8.2% in Q2 2026, from $3.7M to $4.0M. It was the largest change from Q1 2026 among the key lines here. Within California, American Riviera Bank is 37th of 114 on net interest margin, 4.10% as of Q2 2026, above the middle of the field. American Riviera Bank reported 4.10% on net interest margin for Q2 2026, 0.39 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 5.84% |
| Yield on securities | 2.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.3M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $3.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.57% | 1.00% | 3.65% | 5.21% | 2.51% |
| Q4 2023 | 4.54% | 1.17% | 3.47% | 5.06% | 2.74% |
| Q1 2024 | 4.74% | 1.43% | 3.42% | 5.36% | 2.67% |
| Q2 2024 | 4.85% | 1.63% | 3.35% | 5.47% | 2.60% |
| Q3 2024 | 4.94% | 1.61% | 3.47% | 5.56% | 2.66% |
| Q4 2024 | 4.90% | 1.58% | 3.46% | 5.49% | 2.63% |
| Q1 2025 | 4.96% | 1.40% | 3.68% | 5.56% | 2.63% |
| Q2 2025 | 5.05% | 1.41% | 3.76% | 5.64% | 2.66% |
| Q3 2025 | 5.12% | 1.43% | 3.81% | 5.75% | 2.55% |
| Q4 2025 | 5.19% | 1.36% | 3.95% | 5.87% | 2.62% |
| Q1 2026 | 5.14% | 1.21% | 4.03% | 5.70% | 2.64% |
| Q2 2026 | 5.28% | 1.27% | 4.10% | 5.84% | 2.66% |
American Riviera Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Riviera Bank, freeSource: Call Report Schedules RI and RC-K, 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)