American Riviera Bank

1033 Anacapa Street
Santa Barbara, CA 93101

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58281
Date Established 2006
Assets $0.50 billion
Loans $0.39 billion
Deposits $0.44 billion
Capital $0.05 billion

American Riviera Bank is an FDIC insured institution located in Santa Barbara, CA. It was founded in 2006 and has approximately $0.5 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of American Riviera Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in American Riviera Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, American Riviera Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.69
Multifamily
Mortgages
5.81
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 8.75
Construction and Development Loans 6.27
Commercial Real Estate 49.19
Commercial and Industrial Loans 15.72
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.20% $5,000 $24,999 Learn MoreShow Less
6 Mo CD 10K
0.20% $5,000 $24,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.10% $1 $2,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.30% $1,000 $4,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.15% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.20% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.05% $2,500 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Riviera Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to American Riviera Bank
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Branches

American Riviera Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


American Riviera Bank Locations

Financial Details

American Riviera Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Riviera Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Riviera Bank U.S. Bank Average
0.57% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, American Riviera Bank had $325,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $53,216,000 in equity and $4,001,000 in loans loss reserves. That gives it a Texas Ratio of 0.57%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
American Riviera Bank U.S. Bank Average
8.14% 8.58

American Riviera Bank has a Return on Equity of 8.14% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
American Riviera Bank U.S. Bank Average
10.73% 12.11

American Riviera Bank has a Capitalization of 10.73% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Riviera Bank Balance Sheet Analysis

As of June 30, 2017, American Riviera Bank had assets of $496,038,000, loans of $392,876,000, and deposits of $439,521,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About American Riviera Bank

Branches and Savings

Is American Riviera Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58281.

Why does American Riviera Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Riviera Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Riviera Bank a commercial bank?

Yes

Where are American Riviera Bank locations?

See branch locations nearby.

Is American Riviera Bank open on Saturdays?

Is American Riviera Bank open on Sundays?

What time does American Riviera Bank open?

What time does American Riviera Bank close?

Are American Riviera Bank ATMs Open 24/7?

Do American Riviera Bank ATMs accept cash deposits?

Can American Riviera Bank customers use other ATMs?

Do American Riviera Bank branches have notaries?

Will American Riviera Bank notarize my document?

What address for American Riviera Bank should I put for incoming ACH transfers?

Will the American Riviera Bank branch print checks?

Do American Riviera Bank checks expire?

Does American Riviera Bank require US citizenship to open account?

Can American Riviera Bank close my account?

Does American Riviera Bank Report to credit bureaus?

Does American Riviera Bank Use Equifax?

What is American Riviera Bank's ACH Routing Number?

What is American Riviera Bank's SWIFT code?

Products

Does American Riviera Bank offer mortgages?

Compare mortgage rates here.

Does American Riviera Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Riviera Bank offer personal loans?

Compare personal loan rates here.

Does American Riviera Bank offer student loans?

Will American Riviera Bank cash a check?

Will American Riviera Bank redeem a savings bond?

Does American Riviera Bank cash savings bonds?

Will American Riviera Bank cash money orders?

Can American Riviera Bank issue a money order?

Does American Riviera Bank do currency exchange?

Background on The Bank

Who owns American Riviera Bank?

How long has American Riviera Bank been around?

Can American Riviera Bank transfer to other banks?

Does American Riviera Bank have quick pay?

Does American Riviera Bank accept rolled coins?

Will American Riviera Bank accept loose change?

Where is American Riviera Bank headquarters?

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