Santa Barbara, CA · Cert 58281 · American Riviera Bcorp
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Santa Maria-Santa Barbara, CA · 2026 SOD (annual) · 5.5% share · #7 of 20 inst. · $0.8B of $14.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.76% | 0.81% | 0.85% | 0.88% | 1.02% | 1.21% | 1.11% | +25 bps | |
| Return on Equity | 7.89% | 7.75% | 7.82% | 8.22% | 8.66% | 10.00% | 11.84% | 10.86% | +265 bps | |
| Net Interest Margin | 3.28% | 3.26% | 3.56% | 3.60% | 3.50% | 3.46% | 3.88% | 3.88% | +29 bps | |
| Efficiency Ratio | 70.20% | 69.81% | 67.72% | 66.14% | 65.22% | 64.38% | 61.59% | 61.26% | -488 bps | |
| Non-Interest Burden | 2.21% | 2.18% | 2.32% | 2.28% | 2.18% | 2.13% | 2.25% | 2.25% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.04% | 1.12% | 0.99% | 2.15% | 9.87% | 6.89% | 10.45% | 10.96% | +881 bps | |
| Loan Growth (YoY) | 3.73% | 4.60% | 4.62% | 5.87% | 6.72% | 9.27% | 10.52% | 13.08% | +721 bps | |
| Deposit Growth (YoY) | 2.60% | 5.78% | 7.85% | 5.76% | 11.78% | 8.30% | 11.05% | 8.90% | +314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.62% | 0.48% | 0.83% | 0.94% | 0.75% | 0.73% | 0.68% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.20% | 1.17% | 1.19% | 1.22% | 1.22% | 1.17% | 1.16% | 1.19% | -3 bps | |
| Allowance Coverage of NPLs | 22.4x | 1.9x | 2.5x | 1.5x | 1.3x | 1.6x | 1.6x | 1.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.15% | 11.17% | 11.55% | 11.78% | 10.69% | 10.55% | 11.16% | 11.25% | -53 bps | |
| Total Risk-Based Capital | 14.05% | 14.36% | 14.51% | 14.64% | 13.77% | 13.68% | 13.82% | 13.56% | -108 bps | |
| Equity / Assets | 10.09% | 10.18% | 10.42% | 10.58% | 9.44% | 10.26% | 10.12% | 10.25% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.61% | 88.33% | 87.12% | 89.67% | 81.73% | 89.12% | 86.70% | 93.11% | +344 bps | |
| Liquid Assets / Assets | 5.01% | 3.74% | 4.48% | 4.06% | 10.96% | 3.73% | 6.78% | 3.78% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 497% | 511% | 514% | n/a | n/a | |