Side-by-side · Q2 2026 data
Savings Bank of Mendocino County vs American Riviera Bank
Metric by metric
| Measure | Savings Bank of Mendocino County | American Riviera Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 88 (stronger) | 77 |
| Earnings | 65 (stronger) | 64 |
| Funding & liquidity | 72 (stronger) | 44 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 97th | 44th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.0B | $1.2B |
| Capital ratio | 17.93% (stronger) | 11.25% |
| Problem loans | 0.36% (stronger) | 0.68% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.14% (stronger) | 1.11% |
| Loans ÷ deposits | 70.4% (stronger) | 92.0% |
| Uninsured deposits | 31.0% (stronger) | 36.8% |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.2% |
Savings Bank of Mendocino County has the higher TellerScore (86 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Savings Bank of Mendocino County leads on 7 and American Riviera Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.