American Riviera Bank
Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.8 and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Good asset quality (5.6). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.7) profitability.
Asset Mix:
Comm re (40%), securities (14%), home mtgs (13%), cash (9%), comm loans (6%), home eq lns (2%), other (15%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
American Riviera Bancorp
Investment Rating
--
Address
3780 State Street
Santa Barbara, CA 93110
Santa Barbara, CA 93110
Phone Number
(805) 965-5942
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.