American Riviera Bank
Santa Barbara, CA
IDRSSD: 3388482
Total Assets
$1.42B
Latest filing
Total Deposits
$1.27B
Latest filing
Net Interest Margin
3.87%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
American Riviera Bank
1033 Anacapa St
Santa Barbara, CA 93101
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/18/2006FDIC Certificate 445289
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Riviera Bank (Main) | 1033 Anacapa St | Santa Barbara, CA |
| GOLETA BRANCH | 5880 Calle Real | Goleta, CA |
| MONTECITO - UPPER VILLAGE BRANCH | 525 San Ysidro Rd | Santa Barbara, CA |
| PASO ROBLES | 1601 Spring St | Paso Robles, CA |
| COMMERCIAL LENDING CENTER | 30 E Figueroa St | Santa Barbara, CA |
| SAN LUIS OBISPO BRANCH | 1085 Higuera St | San Luis Obispo, CA |
| SANTA MARIA BRANCH | 2605 S Miller St | Santa Maria, CA |
| ATASCADERO BRANCH | 7035 El Camino Real | Atascadero, CA |
Showing 7 of 7
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Montecito Bank & Trust
Santa Barbara, California
→
Assets: $2.13BΔ +64.1%
State Bank of India (California)
Los Angeles, California
→
Assets: $1.30BΔ +0.3%
The Bank of New York Mellon Trust Company, National Association
Los Angeles, California
→
Assets: $1.33BΔ +2.0%
Savings Bank of Mendocino County
Ukiah, California
→
Assets: $1.33BΔ +2.2%
Provident Savings Bank, F.S.B.
Riverside, California
→
Assets: $1.25BΔ -4.2%
Pacific Coast Bankers' Bank
Walnut Creek, California
→
Assets: $1.24BΔ -4.4%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/18/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 93101 |
| State and County Number | 06083 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Santa Maria-Santa Barbara, CA |
Operational Info
| Number of Employees | 143 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 07/18/2006 |
| Primary Insurance Agency | DIF |
| Website | www.americanriviera.bank |
| Data Updated | 11/14/2025 |
| CERT | 58281 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.42B |
| Total Deposits | $1.27B |
| Total Liabilities | $1.29B |
| Total Equity Capital | $134.28M |
| Net Income | $3.20M |
| Net Loans and Leases | $1.03B |
| Assets Per Employee ($Millions) | $10.01M |
| Bank Premises and Fixed Assets | $13.38M |
| Cash and Balances due from Depository Institutions | $128.75M |
| Deposits Held in Domestic Offices | $1.27B |
Key Performance Ratios
| Return on Assets (ROA) | 0.94% |
| Return on Equity (ROE) | 9.43% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 63.52% |
| Tier 1 Risk-Based Capital Ratio | 12.558% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.444% |
| Earning Assets to total Assets | 94.91% |
Income and Expense
| Total Interest Income | $16.75M |
| Total Noninterest Income | $939.00k |
| Total Interest Expense | $4.32M |
| Total Noninterest Expense | $8.49M |
| Net Interest Income | $12.43M |
| Pre-tax Net Operating Income | $4.46M |
| Provision for Credit Losses | $415.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.81M |
| Total Liabilities and Capital | $1.42B |
Securities
| Securities | $205.87M |
| Available-for-sale debt securities | $164.34M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $41.41M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Riviera Bank?
$1.42B as of the latest filing.
How much are American Riviera Bank's total deposits?
$1.27B in total deposits.
Where is American Riviera Bank located?
Santa Barbara, CA.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
8.
When was it established?
07/18/2006.
What is the Return on Assets (ROA)?
0.94%.
How much are total loans and leases?
$1.03B (latest filing).
What is the total interest income (latest filing)?
$16.75M.