American Riviera Bank

American Riviera Bank Locations
1033 Anacapa Street
Santa Barbara, CA 93101
805.965.5942
www.americanrivierabank.com



American Riviera Bank is headquartered in Santa Barbara and is the 183rd largest bank in the state of California. It is also the 4,001st largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 21 employees at 1 location. American Riviera Bank's savings rates are 19X the national average, and it boasts a 5-star health rating.

American Riviera Bank Routing Number: 122244333



See Rates for: Checking | Savings | Money Market | CD | IRA

American Riviera Bank Checking Account Rates

ApyMinMaxProduct
0.30%$500k-Signature Account
0.25%$100k-Sole Proprietor Checking
0.25%$100k-Non-Profit Interest Checking
0.25%$100k-State Bar Account Checking
0.20%--Attorney Trust Account Checking

American Riviera Bank Savings Account Rates

ApyMinMaxProduct
9.64%-$500Kids Savings
0.20%--Health Savings Account
0.15%--Savings Account
0.15%--Business Savings Account

American Riviera Bank Money Market Rates

ApyMinMaxProduct
0.40%$100k-Money Market Account
0.40%$100k-Business Money Market Account

American Riviera Bank CD Rates

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0.65%$25k-24+ Month CD
0.50%$100k-18-24 Month CD
0.45%$100k-365 Day CD
0.25%$1k-270 Day CD
0.20%$50k-30 Day CD
0.20%$50k-60 Day CD
0.20%$1k-90 Day CD
0.20%$1k-180 Day CD

American Riviera Bank IRA Rates

ApyMinMaxProduct
0.65%$25k-24+ Month IRA
0.50%$100k-18-24 Month IRA
0.45%$100k-365 Day IRA
0.25%$1k-270 Day IRA
0.20%$50k-30 Day IRA
0.20%$50k-60 Day IRA
0.20%$1k-90 Day IRA
0.20%$1k-180 Day IRA

Rates updated: 5/22/2012

Data for Q4 2011


Institution Statistics


American Riviera Bank
FDIC Certificate #58281
BankRate ReportView
Year Established2006
Employees21
Primary RegulatorFDIC

Assets and Liabilities

Assets$142.24 million
Loans$105.48 million
Deposits$114.26 million
Equity Capital$22.28 million
Loan Loss Allowance$2.54 million
Real Estate Owned$3.55 million

Historic Data - December 2010

Assets$139.54 million
Equity Capital$18.81 million
Loan Loss Allowance$3.17 million
Unbacked Noncurrent Loans$4.61 million

Profit Margin - Quarterly

Net Interest Margin4.95%
Return on Assets2.4%
Return on Equity16.25%
Interest Income$7.06 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 American Riviera Bank had $3.55 million in non-current loans and owned real-estate with $24.82 million in equity and loan loss allowances on hand to cover it. This gives American Riviera Bank a Texas Ratio of 14.30% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for American Riviera Bank decreased slightly from 20.97% as of December 31, 2010 to 14.30% as of December 31, 2011, resulting in a positive change of 31.80%.This indicates that the balance sheet and financial strength for American Riviera Bank has improved slightly in recent periods.
Deposit Growth5
In the past year, American Riviera Bank has increased its total deposits by $5.52 million, resulting in 5.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Riviera Bank has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Riviera Bank has $142.24 million in assets with $24.82 million in equity, resulting in a capitalization level of 17.45%, which is excellent.
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