BlastPoint's Banking Scorecard

American Riviera Bank

$1B-$10B Specialty: Commercial CA FDIC cert 58281

Designations: ✓ Community bank

Santa Barbara, CA

9 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA

American Riviera Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 16.40% above tier average
+ Net Interest Margin 0.22% above tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- ROA 0.16% below tier average
- Efficiency Ratio 0.53% above tier average

Get updates when American Riviera Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.4B +10.5% YoY +4.1% QoQ	-$1.4B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$1.1B +10.6% YoY +1.7% QoQ	-$878.1M	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$1.3B +11.0% YoY +4.5% QoQ	-$1.1B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	1.21% +49.8% YoY +18.8% QoQ	-0.16%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	4.03% +7.4% YoY +3.6% QoQ	+0.22%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	61.59% -9.1% YoY -4.3% QoQ	+0.53%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.74% +50.5% YoY -2.9% QoQ	-0.15%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	85.70% -0.4% YoY -2.7% QoQ	+1.50%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	37.69% -4.9% YoY -1.7% QoQ	+16.40%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 6.1% in tier
Nonperforming Asset Ratio ?	0.56% +50.7% YoY -5.2% QoQ	-0.11%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	12.69% -4.9% YoY +1.2% QoQ	-2.47%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.08% +29.8% YoY -68.4% QoQ	-0.17%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 37.69%

Peer Median: 21.29%

#55 of 884 Top 6.1% in $1B-$10B

Top Weaknesses (1 metrics)

675

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#675 of 884 Bottom 23.8% in $1B-$10B