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American Riviera Bank

Santa Barbara, CA · Cert 58281 · American Riviera Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Riviera Bank

Santa Barbara, CA · Cert 58281 · American Riviera Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$147.8MEquity
Loan mix
93%RE $1.0B7%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $747.7M40%Noninterest $491.3MQ2 2025Q2 2026

NIM

4.63%Q2 ’244.84%Q2 ’254.97%Q2 ’26+10%+8%

Non-interest income vs. expense

2.49%Q2 ’242.55%Q2 ’252.57%Q2 ’26+5%-1%

Market Position · Santa Maria-Santa Barbara, CA · 2026 SOD (annual) · 5.5% share · #7 of 20 inst. · $0.8B of $14.1B

5.5% Santa Barbara
5.3% San Luis Obispo

Executive Summary

  • Earnings: ROA of 1.11%, up 25 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.68% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.25%, down 53 bps from a year ago.
  • Funding: loans stand at 93.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+29 bps YoY

Efficiency Ratio (YTD, annualized)

61.26%-488 bps YoY

Tier 1 Leverage Ratio

11.25%-53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.88%1.02%1.21%1.11%+25 bps
Return on Equity8.22%8.66%10.00%11.84%10.86%+265 bps
Net Interest Margin3.60%3.50%3.46%3.88%3.88%+29 bps
Efficiency Ratio66.14%65.22%64.38%61.59%61.26%-488 bps
Non-Interest Burden2.28%2.18%2.13%2.25%2.25%-3 bps
Growth
Asset Growth (YoY)2.15%9.87%6.89%10.45%10.96%+881 bps
Loan Growth (YoY)5.87%6.72%9.27%10.52%13.08%+721 bps
Deposit Growth (YoY)5.76%11.78%8.30%11.05%8.90%+314 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.94%0.75%0.73%0.68%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.22%1.17%1.16%1.19%-3 bps
Allowance Coverage of NPLs1.5x1.3x1.6x1.6x1.7x+0.3x
Capital
Tier 1 Leverage Ratio11.78%10.69%10.55%11.16%11.25%-53 bps
Total Risk-Based Capital14.64%13.77%13.68%13.82%13.56%-108 bps
Equity / Assets10.58%9.44%10.26%10.12%10.25%-33 bps
Liquidity & Funding
Loans / Deposits89.67%81.73%89.12%86.70%93.11%+344 bps
Liquid Assets / Assets4.06%10.96%3.73%6.78%3.78%-29 bps
CRE / Total Capitaln/a497%511%514%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Riviera Bank

Santa Barbara, CA · Cert 58281 · Peer group: banks $1B-$10B in assets (n=322-328) · American Riviera Bcorp

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$147.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 322).
  • Widest gap: return on assets trails 64% of banks $1B-$10B in assets (rank 209 of 328).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.08%

Rank 209 of 328

Net Interest Margin

3.88%

Rank 75 of 328

Efficiency Ratio

61.26%

Rank 182 of 328

Equity / Assets

10.25%

Rank 169 of 328

Non-interest income vs. expense

$4.5M$35.9MINCOMEEXPENSE
Unfavorable gap of $31.5M · efficiency ratio beats 45% of banks $1B-$10B in assets
Bank 61.26%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.08%0.91%1.22%1.52%Beats 36%209 / 328
Return on Equity10.58%8.43%11.45%14.43%Beats 42%190 / 328
Net Interest Margin3.88%3.03%3.45%3.83%Beats 77%75 / 328
Efficiency Ratio61.26%51.61%59.56%67.53%Beats 45%182 / 328
Asset Quality
Nonperforming Loans / Loans0.68%0.24%0.51%1.03%Beats 39%199 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%18 / 322
Capital
Tier 1 Capital Ratio12.40%11.75%13.15%15.47%Beats 38%204 / 328
Total Risk-Based Capital Ratio13.56%12.63%14.15%16.46%Beats 42%191 / 328
Equity / Assets10.25%9.15%10.33%12.01%Beats 48%169 / 328
Liquidity & Funding
Loans / Deposits93.11%76.63%87.92%95.36%69th pctl99 / 323
Loans / Assets79.98%65.18%74.15%79.98%75th pctl82 / 328
Brokered Deposits / Depositsn/aNot reported for this institution