# AMERICAN RIVIERA BANK
SANTA BARBARA, CA · FDIC certificate 58281 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.44B | |
| Deposits | $1.24B | |
| Loans and leases | $1.15B | |
| Total equity | $147.8M | |
| Loans / deposits | 92.00% (p66 of band) | 87.10% |
| Liquid assets / assets | 16.19% (p28 of band) | |
| Uninsured deposits / deposits | 36.81% (p65 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.98% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.25% (p65 of band) | 10.50% |
| Unrealized securities loss / equity | -11.87% (p35 of band) | -7.75% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.26% |
| Net interest margin | 4.07% (p72 of band) | 3.70% |
| Efficiency ratio | 61.26% (p57 of band) | |
| Noncurrent loans | 0.68% (p61 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 174.10% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 62.35% (p65 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.9% | |
| Employees | 138 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, charge-offs p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | charge-offs p90 |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2014-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2014-12 | 1 | reserve under noncurrent | capital falling |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | liquid assets <10%, capital falling |  |
| 2016-06 | 1 | loans exceed deposits | liquid assets <10%, capital falling |
| 2016-09 | 0 |  | loans exceed deposits |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | uninsured deposits >50% | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | uninsured deposits >50%, AOCI drag >20% of equity |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 4 | securities losses >30% of equity |  |
| 2023-12 | 2 |  | assets shrinking, securities losses >30% of equity |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [American Riviera Bank Purchases Ventura Property for First Full-Service Ventura County Branch - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMizgFBVV95cUxNYmVVempoNjlOeUttVDJ2OXFCenllQl82MFVhRXB5WTdWb0dTVUtrODhVWjEzQ1pUTHJOMG1DajhSOVo3Mk45MTd1SXNjMkhsemVUbXNXcEVQLXBFNGdwY3N5OHBfX1ktTDY1S084SnhiQTBjanZhSVoyR0J2eVlIOFJ0TlZfNmF2M0hLUzRGc01xR1g5UHA3VU8yemZXZGhCak5CQ05MOEY1c3NTMzdGbzdoRm1DVXRyVDI5Y3E0dlloek8yLWtHVE10dnhrdw?oc=5) · The Santa Barbara Independent
- 2026-07-03 [American Riviera Bank buys Ventura property for its first full-service branch in Ventura County - Santa Barbara News-Press](https://news.google.com/rss/articles/CBMizgFBVV95cUxPbGFydTVReFdEaU45em1hYXdWS0RBSUVDRVNqUmF2ZFhIemN6aHZHQ1ZWQk43UDN4YmMtQ29rQkgxQlJHdmZQYUJTWUlrbmVNaTlxU3JjVndGaVRMMHo3NnVMV1EweTg0dDY4VDQwRWsxR081OTk3U1hiX1FnRlNqeERIUy0taVd6MlN2d19kUW5tTEFsMlpQRE14UXk0ZmdpOHYtUjhDWG1GY3IzdklBNHZzWVl6TWFUY29ZWVlSX3AxekdTbmNvZGs4WXZyUQ?oc=5) · Santa Barbara News-Press
- 2026-07-07 [Connected to the Land. Rooted in Purpose. How a Six-Generation Ranch Found a Banking Partner That Understands the Long Game - San Luis Obispo Tribune](https://news.google.com/rss/articles/CBMigAFBVV95cUxPRGtmQUxZakRZeUVGOWZSX2ZFWmJEUll0VWgxYTFYWDh2Z0IxVkkxOE10ZFZqMDU0N1h5QXZCRHVCejZlY05TTExkMk9BbDh4bmxpWVJ2Z0syWU5XUzhHRkg1X0tRT0FMUXZwU0JKa2RIOXRGelpycUZfc2F2YmctSQ?oc=5) · San Luis Obispo Tribune
- 2026-01-08 [American Riviera Bank Expands with Lending Center in Ventura - The Santa Barbara Independent](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNDNNT3ZoRzVmNFp4aS1fUDY4b1NzaVVQTHo0NmVTd2FGcHAzQTZmUnZGVlpPbjRnQWptTXBtUW5yN2dBUl9wY3hKbzVhY0p5eVdGMUwzb2p3blh2bzVwdjNXLTQ1SzNBQ21QcVhFSTBHUWVSam5qd0h6c3d2VUl1bnRzRmtjQ196YVZ1VHItUTZDempXcWU5SWhWZi1HSkJqUUE?oc=5) · The Santa Barbara Independent
- 2021-02-18 [American Riviera Bank Helps Local Businesses Obtain a Slice of Federal Stimulus - montecitojournal.net](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOcDNLdERSZWp1cjJYaDItY2FSY0hPalBZS1lhOWs3XzVVbEgxdWpjNXZrUHZPWklORi1MOVVSNmNhUWVKeVVDbjNwQ2dRZ0F0ZEdTcnp3cEZMWjlfaElrR0lUR3M0VGxhTmZOSUlmTDVrd05FclJKM2p3bmNkMU9BRG9YM01FMWJmTlRJMDJjSUhRY0ZPSndhNjdQcjd2MTlsRUg0cWh6YjA1SUJHb3RPbmNWc29VNjlaYV91NXVtc2ZZdw?oc=5) · montecitojournal.net
- 2022-02-11 [American Riviera Bank Announces Completion of Holding Company Reorganization - IPO Edge](https://news.google.com/rss/articles/CBMinwFBVV95cUxNM2tvSmttWlFvMThKVWlVMzFyY3Yxc3BDV1d0SzR1bHJQVEp2b05hVWhDSnMzQ2gySTVrODNtZUcwWFRadEtxVWJfa0g2Ui1FOEVPNjZWZ2FVaUttREhna1gteDVGSzFuSVZaVEtEMmdXWDA0MlFGR1NJbm1XMzVGQ1hKUFgzZ2RZb0tEeVdVUlBEdHBnVFkwaUZxV2tMRlU?oc=5) · IPO Edge
- 2022-09-18 [American Riviera Bank Division Adds Scott Bell as Business Development Officer - Noozhawk](https://news.google.com/rss/articles/CBMiowFBVV95cUxNV0M5R0tNM09ZXy1RMWJGaXg5ZEMwcUUwekczdWh4TmItRmtZdXpBSENVLXFqLV9STUxQMjN4X2JRTXIyRml6c3ZJWHNmWUwzdW5RVmdsYmRheGFwWDQ0bHBHVEdjX0NhWmdiNkFRYkpKdzlOUE9CdExreXRLMWRSeGNQZGtMdGV6THpyU1VTbkRCZ00wYl9wWk1Xb2RhbFZfWklr?oc=5) · Noozhawk
- 2020-01-22 [American Riviera Bank Hires Steven Harding as Regional President for San Luis Obispo County - Business Wire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNZUhIc1ZYb0RYUTE4QU5LSEFrQVJoaHN5bWlLV0RwM0YtT24wX29INDRkTFVwVUVYUjNkS2Vkeno1cWFCaWF1S2tfbTVpbktfYWJCTXlsaWFzZno2LS1UUkhFUFRxMDNlb2ZyNEVTcWtycC0tNHZmTDV2T3VCMDNIR3pVT040WEwtRkI4Snk3NnFYRDVPcUFldS03S3d4RXFVZ2RONzZiWXdDX3dEanVPWDVReHo3dWRLSlo0Z0hlT0Y0OUtuOEpfN2lHTkNNX3oxdVEyYzRKaDBmb1dWWmlwWlpB?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58281 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "58281", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide