Side-by-side · Q2 2026 data
Community Bank of Santa Maria vs American Riviera Bank
Metric by metric
| Measure | Community Bank of Santa Maria | American Riviera Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 55 | 63 (stronger) |
| Loan quality | 95 (stronger) | 77 |
| Earnings | 63 | 64 (stronger) |
| Funding & liquidity | 63 (stronger) | 44 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 50th | 44th |
| Total assets | $396.5M | $1.4B |
| Deposits / shares | $350.4M | $1.2B |
| Capital ratio | 10.49% | 11.25% (stronger) |
| Problem loans | 0.15% (stronger) | 0.68% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.07% | 1.11% (stronger) |
| Loans ÷ deposits | 83.5% (stronger) | 92.0% |
| Uninsured deposits | 27.0% (stronger) | 36.8% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.2% |
Community Bank of Santa Maria has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Community Bank of Santa Maria leads on 5 and American Riviera Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.