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Overview / Commentary
1033 Anacapa Street
Santa Barbara, CA 93101

American Riviera Bank is headquartered in Santa Barbara and is the 133rd largest bank in the state of California. It is also the 2,856th largest bank in the nation. It was established in 2006 and as of June of 2014, it had grown to 33 employees at 2 locations. American Riviera Bank's savings rates are 19X the national average, and it boasts a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 American Riviera Bank had $140,000 in non-current loans and owned real-estate with $28.02 million in equity and loan loss allowances on hand to cover it. This gives American Riviera Bank a Texas Ratio of 0.50% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American Riviera Bank decreased dramatically from 7.80% as of June 30, 2013 to 0.50% as of June 30, 2014, resulting in a positive change of 93.59%.This indicates that the balance sheet and financial strength for American Riviera Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, American Riviera Bank has increased its total deposits by $35.56 million, resulting in 24.54% 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.



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 $217.02 million in assets with $28.02 million in equity, resulting in a capitalization level of 12.91%, which is excellent.

Institution Statistics

FDIC Certificate #58281
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$217.02 million
Loans$156.23 million
Deposits$180.43 million
Equity Capital$25.89 million
Loan Loss Allowance$2.13 million
Unbacked Noncurrent Loans$140,000
Real Estate Owned$0
Historic Data - June 2013
Assets$180.19 million
Equity Capital$24.35 million
Loan Loss Allowance$2.33 million
Unbacked Noncurrent Loans$140,000
Real Estate Owned$526,000
Profit Margin - Quarterly
Return on Assets0.68%
Return on Equity5.23%
Interest Income$4.37 million

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American Riviera Bank Savings Account Rates

9.64%-$500Kids Savings
0.20%--Health Savings Account
0.10%--Savings Account
0.10%--Business Savings Account

American Riviera Bank Money Market Rates

0.30%$100k-Money Market Account
0.30%$100k-Business Money Market Account

American Riviera Bank Checking Account Rates

0.20%$100k-Sole Proprietor Checking
0.20%$100k-Non-Profit Interest Checking
0.20%$100k-State Bar Account Checking
0.15%$100k-Signature Account
0.15%--Attorney Trust Account Checking

American Riviera Bank CD Rates

0.60%$25k-24+ Month CD
0.40%--18-24 Month CD
0.35%$50k-365 Day CD
0.25%--270 Day CD
0.20%$1k-90 Day CD
0.20%$1k-180 Day CD
0.15%$1k-30 Day CD
0.15%$1k-60 Day CD

American Riviera Bank IRA Rates

0.60%$25k-24+ Month IRA
0.40%--18-24 Month IRA
0.35%$50k-365 Day IRA
0.25%--270 Day IRA
0.20%$1k-90 Day IRA
0.20%$1k-180 Day IRA
0.15%$1k-30 Day IRA
0.15%$1k-60 Day IRA

American Riviera Bank Locations
American Riviera Bank1033 Anacapa StreetSanta Barbara, CA 93101
American Riviera Bank1033 Anacapa StreetSanta Barbara, CA 93101