American Riviera Bank is a bank based in Santa Barbara, California, established in 2006, with $1.4 billion in total assets across 9 branches. By Trust Grade it ranks 47th of 117 banks we track in California. Its capital ratio of 10.1% trails most similarly sized banks (47th percentile), versus a California median of 11.7%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against American Riviera Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How American Riviera Bank compares to California peers
How we graded American Riviera Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.1% capital ratio)
- Strongly profitable (ROA 1.21%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for American Riviera Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 1033 Anacapa St, Santa Barbara, CA 93101
- 5880 Calle Real, Goleta, CA 93117
- 525 San Ysidro Rd, Santa Barbara, CA 93108
- 1601 Spring St, Paso Robles, CA 93446
- 30 E Figueroa St, Santa Barbara, CA 93101
- 1085 Higuera St, San Luis Obispo, CA 93401
- 2605 S Miller St, Santa Maria, CA 93455
- 7035 El Camino Real, Atascadero, CA 93422
- 1280 S Victoria Ave, Ventura, CA 93003
Are deposits at American Riviera Bank insured?
Yes. American Riviera Bank is an FDIC-insured bank (FDIC certificate #58281). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
American Riviera Bank: frequently asked questions
Is American Riviera Bank a good bank?
American Riviera Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.1% capital ratio); Strongly profitable (ROA 1.21%).
Is American Riviera Bank FDIC-insured?
Yes. American Riviera Bank is a FDIC-insured bank (FDIC certificate #58281). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is American Riviera Bank?
American Riviera Bank holds $1.4 billion in total assets, ranking 47th of 117 banks we track in California. It operates 9 branches.
Does American Riviera Bank have CFPB complaints?
No CFPB complaints against American Riviera Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
