TellerScore

American Riviera Bank is a state-chartered bank headquartered in Santa Barbara, California, in business for about 20 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.2B in deposits, with 9 offices.

Based on its Q2 2026 filing, American Riviera Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 73rd. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is funding & liquidity (44/100; 92% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.25%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.68%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 92.0% · 36.8% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (65 → 67), mostly because the earnings component improved by 10 points.

TellerScore
626771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202465
Q1 202568
Q2 202565
Q3 202562
Q4 202564
Q1 202668
Q2 202667
Tier 1 leverage ratio
5.00%8.39%11.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.00%
Q3 202411.15%
Q4 202411.17%
Q1 202511.55%
Q2 202511.78%
Q3 202510.69%
Q4 202510.55%
Q1 202611.16%
Q2 202611.25%
Noncurrent loans
0.05%0.50%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.05%
Q4 20240.62%
Q1 20250.48%
Q2 20250.83%
Q3 20250.94%
Q4 20250.75%
Q1 20260.73%
Q2 20260.68%
Return on assets
0.76%0.98%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.76%
Q4 20240.76%
Q1 20250.81%
Q2 20250.85%
Q3 20250.88%
Q4 20251.02%
Q1 20261.21%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.4B11.25%0.68%1.11%92.0%
Q1 202668$1.4B11.16%0.73%1.21%85.7%
Q4 202564$1.4B10.55%0.75%1.02%88.1%
Q3 202562$1.4B10.69%0.94%0.88%80.7%
Q2 202565$1.3B11.78%0.83%0.85%88.6%
Q1 202568$1.3B11.55%0.48%0.81%86.1%
Q4 202465$1.3B11.17%0.62%0.76%87.3%
Q3 202471$1.3B11.15%0.05%0.76%84.6%
Q2 202470$1.3B11.00%0.06%0.77%88.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.25%
65th
Total risk-based capital13.56%
49th
Problem loans0.68%
39th
Net charge-offs0.00%
82nd
Return on assets1.11%
39th
Net interest margin4.07%
72nd
Efficiency ratio61.3%
43rd
Loans to deposits92.0%
34th
Uninsured deposits36.8%
35th
Loan-loss reserves1.19%
57th
Texas ratio4.9%
39th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA88 out of 100, Very strong$1.4B16.8%0.00%vs
State Bank of India (California)Bank Los Angeles, CA69 out of 100, Moderate$1.4B14.0%1.11%vs
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Savings Bank of Mendocino CountyBank Ukiah, CA86 out of 100, Very strong$1.3B17.9%0.36%vs
FFB BankBank Fresno, CA46 out of 100, Below average$1.6B12.2%3.54%vs
US Metro BankBank Garden Grove, CA52 out of 100, Below average$1.6B10.4%1.54%vs

Deposit insurance

Is my money safe at American Riviera Bank?

Yes. American Riviera Bank is an FDIC-insured institution (FDIC certificate #58281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.8% of deposits ($456.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.56% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

American Riviera Bank lists 7 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Riviera Bank reported 36 home-loan applications under HMDA (LEI 2549003O1765OJT2BV03): 28 originated ($36,230,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Riviera Bank
Type
State-chartered bank
FDIC certificate #
58281
RSSD ID
3388482
Primary regulator
FDIC
Holding company
American Riviera Bcorp
Established
July 18, 2006
Headquarters
1033 Anacapa St, Santa Barbara, CA 93101
Employees
138

Quick answers

American Riviera Bank: common questions

Is American Riviera Bank FDIC insured?

Yes. American Riviera Bank is an FDIC-insured institution (FDIC certificate #58281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Riviera Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Riviera Bank ever failed?

There is no failure record for FDIC certificate #58281 in the FDIC failed bank list.

How many branches does American Riviera Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Santa Barbara

InstitutionScoreAssetsCapitalProblem loansCompare
Santa Barbara County Federal Credit UnionCredit union Santa Barbara, CA92 out of 100, Very strong$64.8M13.5%0.04%vs
Santa Barbara Teachers Federal Credit UnionCredit union Santa Barbara, CA88 out of 100, Very strong$308.5M13.8%0.01%vs
Farmers and Merchants Bank of Long BeachBank Long Beach, CA80 out of 100, Strong$11.8B14.0%0.01%vs
Bank of the SierraBank Porterville, CA77 out of 100, Strong$3.7B12.2%0.43%vs
Citizens Business Bank, National AssociationBank Ontario, CA73 out of 100, Strong$21.2B11.4%0.14%vs
Montecito Bank & TrustBank Santa Barbara, CA69 out of 100, Moderate$2.0B11.3%0.17%vs