American Riviera Bank: how it compares with its peers
Against 37 CA banks with half to twice its assets, American Riviera Bank's strongest measure in Q2 2026 is net interest margin (4.07% vs. a 3.81% peer median). Its weakest relative measure is efficiency ratio (61.26% vs. 58.17%).
| Measure | American Riviera Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.10% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.81% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.26% | 58.17% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $10.0M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.00% | 89.28% | Context |
What it means for lending operations
Its efficiency ratio of 61.26% is above the 58.17% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Malaga Bank F.S.B. Palos Verdes Peninsula, CA · $1.45B
- State Bank of India (California) Los Angeles, CA · $1.38B
- The Bank of New York Mellon Trust Company, National Association Los Angeles, CA · $1.37B
- Savings Bank of Mendocino County Ukiah, CA · $1.28B
- FFB Bank Fresno, CA · $1.62B
- US Metro Bank Garden Grove, CA · $1.64B
Questions about American Riviera Bank
How big is American Riviera Bank?
American Riviera Bank, established in 2006, is headquartered in Santa Barbara, CA. It reported $1.44B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is American Riviera Bank's return on assets?
1.11% annualized in Q2 2026, against a 1.10% median for 37 CA banks with half to twice its assets, ahead of 57% of them.
What is American Riviera Bank's efficiency ratio?
61.26% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 58.17%, and lower is better.
Is American Riviera Bank growing its loans?
Net loans grew 13.1% over the year to Q2 2026, while deposits grew 8.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.