BlastPoint's Banking Scorecard
American Riviera Bank
Community
Specialty: Commercial
CA
FDIC cert 58281
Santa Barbara, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
American Riviera Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.30% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+6.9% YoY
-3.9% QoQ
|
-$24.6M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.1B
+9.3% YoY
+3.9% QoQ
|
+$93.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.2B
+8.3% YoY
-4.8% QoQ
|
+$49.2M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.02%
+34.3% YoY
+15.7% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.89%
+10.9% YoY
+2.9% QoQ
|
+0.23% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
64.38%
-7.8% YoY
-1.3% QoQ
|
+1.75% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.76%
+21.6% YoY
-20.4% QoQ
|
+0.13% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
88.07%
+0.9% YoY
+9.1% QoQ
|
+5.01% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
38.35%
-2.0% YoY
-1.5% QoQ
|
+17.30% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.59%
+24.3% YoY
-14.0% QoQ
|
+0.09% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
12.54%
-5.1% YoY
-0.2% QoQ
|
+2.29% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.26%
-8.9% YoY
+38.2% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
38.35%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Credit Risk Growth
risk
#305 of 642 · Bottom 47% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.35% · Tier avg: 21.05%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 10.24%
43
43th pctile
Efficiency Ratio
Current: 64.38% · Tier avg: 62.63%
41
41th pctile
Loan-to-Deposit Ratio
Current: 88.07% · Tier avg: 83.06%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
34
34th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
Top Weaknesses
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
41
41th pctile
Loan-to-Deposit Ratio
Current: 88.07% · Tier avg: 83.06%
43
43th pctile
Efficiency Ratio
Current: 64.38% · Tier avg: 62.63%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 10.24%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.35% · Tier avg: 21.05%