Total Assets
$1.4B
Total Deposits
$1.2B
Branches
9
Established
2006
American Riviera Bank is a bank headquartered in Santa Barbara, California, established in 2006. It holds $1.4B in total assets across 9 branch locations. In our editorial opinion, based on public FDIC/NCUA data, American Riviera Bank earns a TFS Financial Health Grade of B+ (81.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
81.8 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| American Riviera BankHQ | 1033 Anacapa St | Santa Barbara | CA | 11 |
| American Riviera Bank | 7035 El Camino Real | Atascadero | CA | 11 |
| American Riviera Bank | 5880 Calle Real | Goleta | CA | 12 |
| American Riviera Bank | 1601 Spring St | Paso Robles | CA | 11 |
| American Riviera Bank | 1085 Higuera St | San Luis Obispo | CA | 11 |
| American Riviera Bank | 30 E Figueroa St | Santa Barbara | CA | 24 |
| American Riviera Bank | 525 San Ysidro Rd | Santa Barbara | CA | 11 |
| American Riviera Bank | 2605 S Miller St | Santa Maria | CA | 11 |
| American Riviera Bank | 1280 S Victoria Ave | Ventura | CA | 24 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
81.8
Tier 1 capital ratio
11.25%
Return on assets
1.11%
Non-performing loans
0.68%
Efficiency ratio
61.26%
Asset growth (YoY)
10.96%
Pasadena, CA
$84.3B
Los Angeles, CA
$1.4B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.