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American Riviera Bank
Santa Barbara, CA · FDIC Certificate #58281 · Chartered 07/1
Total assets
$1.44B
Total deposits
$1.24B
Total equity
$147.85M
Net loans
$1.14B
Branches (offices)
7
Net income (YTD)
$7.82M
Rank: #768 of 4,213 U.S. banks by assets · #50 of 115 in California. Assets changed 11.0% and deposits 8.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.11% |
| Return on equity | 10.86% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 11.25% |
| Uninsured deposits (share of deposits) | 36.8% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 92.0% |
| Real estate loans (share of loans) | 92.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.05B | 92.2% | |
| Commercial & industrial | $84.66M | 7.4% | |
| Consumer / individual | $526.00K | 0.0% | |
| Construction & development | $92.18M | 8.1% | |
| Agricultural | $2.31M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.36B | $1.26B | $5.93M | $99.86M |
| Jun 2023 | $1.28B | $1.09B | $6.16M | $110.17M |
| Jun 2024 | $1.27B | $1.08B | $4.92M | $123.60M |
| Jun 2025 | $1.30B | $1.14B | $5.50M | $137.55M |
| Jun 2026 | $1.44B | $1.24B | $7.82M | $147.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.24B | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.24B.
Similar-sized banks
The Union Bank Company ($1.44B) · Marquette Savings Bank ($1.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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