B
American Riviera Bank
Rating Date
October 2025
Risk Based
Capital Ratio
13.77
Leverage
Ratio
10.69
Return On
Assets
0.89%
Total
Assets
1.42B
Capital
134.29M
Total
Deposits
1.27B
Net
Income
8.71M
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Weiss Ratings American Riviera Bank
Santa Barbara, CA 		Click to
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Rating B
Asset Quality Index 5.60
Capitalization Index 9.50
Liquidity Index 2.80
Profitability Index 4.70
Stability Index 7.50
Company Info American Riviera Bank
Santa Barbara, CA 		Click to
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FDIC Number 58281
Phone Number (805) 965-5942
Website americanriviera.bank
Asset Quality American Riviera Bank
Santa Barbara, CA 		Click to
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1-Year Asset Growth 9.87%
5-Year Asset Growth 15.57%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.67%
Non-Performing Loans to Capital 6.09%
Non-Performing Loans to Loans 0.94%
Balance Sheet American Riviera Bank
Santa Barbara, CA 		Click to
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Total Assets 1.42B
Total Deposits 1.27B
Capital and Reserves American Riviera Bank
Santa Barbara, CA 		Click to
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Capital 134.29M
Leverage Ratio 10.69
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 13.77
Liquidity American Riviera Bank
Santa Barbara, CA 		Click to
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Hot Money Ratio 10.59%
Liquidity Ratio 20.51%
Profitability American Riviera Bank
Santa Barbara, CA 		Click to
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5-Year Return on Average Assets 0.92%
Net Income 8.71M
Net Interest Spread 3.75%
Operating Profit to Average Assets 1.22%
Overhead Efficiency Ratio 65.22%
Return on Assets 0.89%
Return on Equity 8.62%