Bank · FDIC insured
American Riviera Bank
A $1.4B bank headquartered in Santa Barbara, CA, with 7 branches in California.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings—10.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About American Riviera Bank
Opened on July 18, 2006, American Riviera Bank is a full-service community bank headquartered in Santa Barbara, California.
A subsidiary of American Riviera Bancorp, the bank operates seven full-service branches across Santa Barbara, Montecito, Goleta, Santa Maria, San Luis Obispo, Atascadero, and Paso Robles.
- Headquarters
- 1033 Anacapa St, Santa Barbara, CA 93101
- FDIC certificate
- 58281 ↗
Branches
7 branches in California
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California
7 branches
Santa Barbara area · 2
- American Riviera BankMain office1033 Anacapa St, Santa Barbara, CA 93101Directions
- Montecito - Upper Village Branch525 San Ysidro Rd, Santa Barbara, CA 93108Directions
Atascadero area · 1
- Atascadero Branch7035 El Camino Real, Atascadero, CA 93422Directions
Goleta area · 1
- Goleta Branch5880 Calle Real, Goleta, CA 93117Directions
Paso Robles area · 1
- Paso Robles1601 Spring St, Paso Robles, CA 93446Directions
San Luis Obispo area · 1
- San Luis Obispo Branch1085 Higuera St, San Luis Obispo, CA 93401Directions
Santa Maria area · 1
- Santa Maria Branch2605 S Miller St, Santa Maria, CA 93455Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.25% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.68% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.11% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalLeverage ratio11.25%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.68%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.11%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of American Riviera Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.