BlastPoint's Banking Scorecard
American Riviera Bank
Designations: ✓ Community bank
Santa Barbara, CA
9 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +8.9% year over year ($1.2B on the books).
- Delinquency rate 0.69%.
- Return on assets 1.11%.
- Efficiency ratio 61.26% vs a 59.73% peer average.
- Loan-to-deposit ratio 92.00% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
American Riviera Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.38% above tier average
- + Net Interest Margin 0.20% above tier average
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency Ratio 1.53% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+11.0% YoY
+1.4% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$1.1B
+13.1% YoY
+4.9% QoQ
|
-$823.3M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$1.2B
+8.9% YoY
-2.3% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
1.11%
+29.8% YoY
-8.1% QoQ
|
-0.28% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.07%
+7.4% YoY
+0.9% QoQ
|
+0.20% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
61.26%
-7.4% YoY
-0.5% QoQ
|
+1.53% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.69%
-17.4% YoY
-6.0% QoQ
|
-0.17% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
92.00%
+3.9% YoY
+7.4% QoQ
|
+6.97% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
39.66%
-0.6% YoY
+5.2% QoQ
|
+18.38% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 4.6% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-15.8% YoY
-2.7% QoQ
|
-0.13% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.40%
-7.7% YoY
-2.3% QoQ
|
-2.44% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.16%
+15.4% YoY
+87.9% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
20% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
39.7%
-0.2pp YoY +2.0pp QoQ |
+18.3pp | 21.4% | 25.5% | 22.2% | 95% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.5pp | 9.5% | 11.0% | 8.5% | 1% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
-1.2pp YoY +0.4pp QoQ |
-6.6pp | 14.0% | 11.8% | 12.5% | 30% |
| CRE |
72.4%
+2.6pp YoY 0.0pp QoQ |
+22.4pp | 50.0% | 67.5% | 41.4% | 90% |
| 1-4 Family |
18.5%
-1.4pp YoY -0.2pp QoQ |
-7.9pp | 26.4% | 16.5% | 31.3% | 39% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.3% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-1.0pp YoY -0.3pp QoQ |
-3.2pp | 15.6% | 23.7% | 19.7% | 31% |
| Leverage Ratio |
11.3%
-0.5pp YoY +0.1pp QoQ |
-0.1pp | 11.3% | 14.5% | 12.6% | 65% |
| Total Capital Ratio |
13.6%
-1.1pp YoY -0.3pp QoQ |
-3.1pp | 16.7% | 25.1% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
138
-5 (-3.5%) YoY -6 (-4.2%) QoQ |
-176 | 313 | 337 | 482 | 19% |
| Assets per Employee ($) |
$10.5M
+15.0% YoY +5.8% QoQ |
-$30K | $10.5M | $11.3M | $8.8M | 69% |
| Branch Count |
9
+1 (+12.5%) YoY 0 QoQ |
-11 | 20 | 15 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.8% | 1.4% | 1.0% | 62% |
| Allowance Coverage |
1.74x
+17.6% YoY +9.6% QoQ |
-16.97x | 18.71x | 17.11x | 20.23x | 43% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
+2.6pp YoY -1.0pp QoQ |
-1.7pp | 12.6% | 8.2% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 1.9% | 1.9% | 1.7% | 9% |
| Net Income ($, YTD) |
$7.8M
+42.1% YoY — QoQ |
-$11.4M | $19.2M | $28.5M | $40.4M | 29% |
Get Full Access to American Riviera Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.