American Riviera Bank

Headquarters

1033 Anacapa Street
Santa Barbara, CA 93101
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.20% 1.01% →
2-Year CD 0.15% 0.95% →
5-Year CD 0.15% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

American Riviera Bank is an FDIC insured institution located in Santa Barbara, CA. It was founded in 2006 and has approximately $0.74 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 58281
Date Established 2006
Assets $ 743.47 million
Loans $ 596.46 million
Deposits $ 645.45 million
Capital $ 77.24 million
 

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.

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
18 Mo CD
0.15% $10,000 $14,999 Learn More
18 Mo CD
0.15% $100,000 $199,999 Learn More
24 Mo CD
0.15% $10,000 $14,999 Learn More
24 Mo CD
0.15% $100,000 $199,999 Learn More
30 Mo CD
0.15% $10,000 $14,999 Learn More
30 Mo CD
0.15% $100,000 $199,999 Learn More
36 Mo CD
0.15% $10,000 $14,999 Learn More
36 Mo CD
0.15% $100,000 $199,999 Learn More
48 Mo CD
0.15% $10,000 $14,999 Learn More
48 Mo CD
0.15% $100,000 $199,999 Learn More
60 Mo CD
0.15% $10,000 $14,999 Learn More
60 Mo CD
0.15% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to American Riviera Bank
To upload and update your bank's rates please register. It is free to register and add rates.

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:
Seattle,Washington


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
0.4% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, American Riviera Bank had $341,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $77,237,000 in equity and $7,171,000 in loans loss reserves. That gives it a Texas Ratio of 0.4%.

Return on Equity
American Riviera Bank U.S. Bank Average
6.11% 7.80%

American Riviera Bank has a Return on Equity of 6.11% versus the BestCashCow average of 7.80%. 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
10.39% 12.68%

American Riviera Bank has a Capitalization of 10.39% versus the BestCashCow average of 12.68. 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 March 31, 2020, American Riviera Bank had assets of $743,468,000, loans of $596,460,000, and deposits of $645,450,000. 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.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 59.79 million
Interest-bearing balances $ 52.03 million
Total securities $ 50.52 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 596.46 million
Loan loss allowance $ 7.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 5.35 million
All other assets $ 17.19 million
     Total Assets $ 666.23 million
LIABILITIES
Total deposits $ 645.45 million
      Interest-bearing deposits $ 426.12 million
      Deposits held in domestic offices $ 645.45 million
      % insured (estimated) 69.11%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 17.74 million
Subordinated debt N.A.
All other liabilities $ 3.04 million
      Total Liabilities $ 666.23 million
      Shareholders’ Equity $ 77.24 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 8.26 million
Total Interest Expense $ 0.92 million
Net interest income $ 7.35 million
Provision for loan and lease losses $ 0.78 million
Total non interest income $ 0.63 million
Total non interest expense $ 5.53 million
Pre-tax Net Operating Income $ 1.67 million

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 20.00
Multifamily
Mortgages
7.08
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 7.80
Commercial Real Estate 50.35
Commercial and Industrial Loans 14.04
Farm Loans 0.73

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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