Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #58281 · Santa Barbara, California · Est. 2006
American Riviera Bank - FDIC Bank Health Profile
A community-scale look at American Riviera Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- B
- Health grade · Good
- 1.02%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
American Riviera Bank earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.54% Tier 1, profitable at 1.02% ROA, 64% efficiency ratio.
- #805
- largest of 4,313 FDIC banks by assets
- 81st
- percentile by asset size, nationally
- 12.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 44th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How American Riviera Bank's 79/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
American Riviera Bank's composite health score
Tier 1 Capital Ratio (12.54%) 35/40
Return on Assets (ROA) (1.02%) 20/25
Texas Ratio (5.30%) 16/20
Efficiency Ratio (64.38%) 8/15
79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Riviera Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Riviera Bank's score of 79/100 falls in the highlighted band.
American Riviera Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Riviera Bank's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.54%
Texas Ratio
5.30%
Equity Capital
$140M
Profitability metrics
Return on Assets (ROA)
44th percentile nationally
1.02%
Return on Equity (ROE)
10.00%
Efficiency Ratio
64.38%
What the numbers say about American Riviera Bank
American Riviera Bank is an FDIC-insured institution (Certificate #58281) headquartered in Santa Barbara, California, established in 2006. It holds $1.4B in total assets - 805th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $1.1B in net loans. Its capital position: a Tier 1 ratio of 12.54%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.30% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
American Riviera Bank sits 53rd of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$66M
Interest Income
$4M
Non-Interest Income
$34M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Riviera Bank reports a Texas Ratio of 5.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Riviera Bank (FDIC Cert #58281) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is American Riviera Bank's health grade?▼
American Riviera Bank receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is American Riviera Bank?▼
American Riviera Bank holds $1.4B in total assets and $1.2B in deposits, ranking 805th of 4,313 FDIC-insured banks by asset size. It is headquartered in Santa Barbara, California.
Is my money safe at American Riviera Bank?▼
Yes, deposits at American Riviera Bank (Certificate #58281) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Riviera Bank's Tier 1 Capital Ratio?▼
American Riviera Bank has a Tier 1 Capital Ratio of 12.54%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for American Riviera Bank?▼
American Riviera Bank has a Texas Ratio of 5.30%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Riviera Bank?▼
American Riviera Bank has an Efficiency Ratio of 64.38%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Riviera Bank's profile as a depositor or analyst.
- American Riviera Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Riviera Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.