American Riviera Bank
Santa Barbara, CA
IDRSSD: 3388482
Total Assets
$1.37B
Latest filing
Total Deposits
$1.21B
Latest filing
Net Interest Margin
4.09%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
122244333SANTA BARBARA, CA
Key People
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Locations
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Main Office
American Riviera Bank
1033 Anacapa St
Santa Barbara, CA 93101
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/18/2006FDIC Certificate 445289
Branches (8)
Page 1 of 2| 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 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 142 |
| 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 | 01/30/2026 |
| CERT | 58281 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.37B |
| Total Deposits | $1.21B |
| Total Liabilities | $1.23B |
| Total Equity Capital | $140.19M |
| Net Income | $4.82M |
| Net Loans and Leases | $1.07B |
| Assets Per Employee ($Millions) | $9.76M |
| Bank Premises and Fixed Assets | $12.84M |
| Cash and Balances due from Depository Institutions | $21.39M |
| Deposits Held in Domestic Offices | $1.21B |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 14.04% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 62.14% |
| Tier 1 Risk-Based Capital Ratio | 12.535% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.256% |
| Earning Assets to total Assets | 94.36% |
Income and Expense
| Total Interest Income | $17.78M |
| Total Noninterest Income | $883.00k |
| Total Interest Expense | $4.28M |
| Total Noninterest Expense | $8.94M |
| Net Interest Income | $13.49M |
| Pre-tax Net Operating Income | $5.68M |
| Provision for Credit Losses | $-241,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $12.87M |
| Total Liabilities and Capital | $1.37B |
Securities
| Securities | $211.22M |
| Available-for-sale debt securities | $169.66M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $41.43M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Riviera Bank?
$1.37B as of the latest filing.
How much are American Riviera Bank's total deposits?
$1.21B in total deposits.
Where is American Riviera Bank located?
Santa Barbara, CA.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
8.
When was it established?
07/18/2006.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$1.07B (latest filing).
What is the total interest income (latest filing)?
$17.78M.