Side-by-side · Q2 2026 data
Bank of the Sierra vs American Riviera Bank
Metric by metric
| Measure | Bank of the Sierra | American Riviera Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 67 |
| Capital cushion | 72 (stronger) | 63 |
| Loan quality | 86 (stronger) | 77 |
| Earnings | 73 (stronger) | 64 |
| Funding & liquidity | 63 (stronger) | 44 |
| Problem-loan coverage | 96 (stronger) | 90 |
| Peer percentile | 83rd | 44th |
| Total assets | $3.7B | $1.4B |
| Deposits / shares | $2.9B | $1.2B |
| Capital ratio | 12.25% (stronger) | 11.25% |
| Problem loans | 0.43% (stronger) | 0.68% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.33% (stronger) | 1.11% |
| Loans ÷ deposits | 82.9% (stronger) | 92.0% |
| Uninsured deposits | 27.9% (stronger) | 36.8% |
| Offices | 34 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.2% |
Bank of the Sierra has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bank of the Sierra leads on 6 and American Riviera Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.