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
Unfavorable gap of $31.5M · efficiency ratio beats 45% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.91% | 1.22% | 1.52% | Beats 36% | 209 / 328 | |
| Return on Equity | 10.58% | 8.43% | 11.45% | 14.43% | Beats 42% | 190 / 328 | |
| Net Interest Margin | 3.88% | 3.03% | 3.45% | 3.83% | Beats 77% | 75 / 328 | |
| Efficiency Ratio | 61.26% | 51.61% | 59.56% | 67.53% | Beats 45% | 182 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.24% | 0.51% | 1.03% | Beats 39% | 199 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.40% | 11.75% | 13.15% | 15.47% | Beats 38% | 204 / 328 | |
| Total Risk-Based Capital Ratio | 13.56% | 12.63% | 14.15% | 16.46% | Beats 42% | 191 / 328 | |
| Equity / Assets | 10.25% | 9.15% | 10.33% | 12.01% | Beats 48% | 169 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 93.11% | 76.63% | 87.92% | 95.36% | 69th pctl | 99 / 323 | |
| Loans / Assets | 79.98% | 65.18% | 74.15% | 79.98% | 75th pctl | 82 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |