American Riviera Bank

BankSanta Barbara, California
www.americanriviera.bank

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

9

Established

2006

TFS Health Grade

$
C

74.8 / 100

Average financial health

How we grade

American Riviera Bank is a bank headquartered in Santa Barbara, California, established in 2006. With $1.4B in total assets and 9 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.55%(8%)
Total Capital Ratio
13.68%(10%)
Non-Performing Loan Ratio
0.75%

Profitability

Return on Assets (ROA)
1.02%(1%)
Return on Equity (ROE)
10.00%(10%)
Net Interest Margin
3.89%
Efficiency Ratio
64.38%(60%)

Lending & Liquidity

Total Loans
$1.1B
Loan-to-Deposit Ratio
88.07%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+6.89%
Deposit Growth (YoY)
+8.30%
Net Income
$13.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in California