CA lenders / Community Bank
American Riviera Bank
Community Bank · Santa Barbara, CA · American Riviera Bcorp
- Total assets
- $1.4B
- CRE loan book
- $786.1M
- QoQ CRE growth
- 3.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.42% as of Q1 2026 — TX bank median 4.87% (0.55pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.42% | 5.68% |
| Q4 2025 | 5.59% | 5.82% |
| Q3 2025 | 5.55% | 5.74% |
| Q2 2025 | 5.42% | 5.63% |
| Q1 2025 | 5.32% | 5.52% |
| Q4 2024 | 5.23% | 5.46% |
| Q3 2024 | 5.27% | 5.52% |
| Q2 2024 | 5.30% | 5.45% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $786.1M | $76.3M | $89.5M | 374% | $3.8M |
| Q4 2025 | $762.5M | $74.9M | $74.0M | 364% | $3.8M |
| Q3 2025 | $716.7M | $79.3M | $65.1M | 360% | $5.3M |
| Q2 2025 | $703.2M | $87.4M | $64.1M | 337% | $3.8M |
| Q1 2025 | $697.3M | $76.9M | $73.4M | 342% | $3.8M |
| Q4 2024 | $695.1M | $72.8M | $72.0M | 347% | $5.4M |
| Q3 2024 | $692.8M | $57.0M | $74.0M | 353% | $0 |
| Q2 2024 | $693.8M | $53.7M | $74.1M | 357% | $80,000 |
Signals
Recent news
- American Riviera Bancorp Announces Results for the Second Quarter of 2026 - Yahoo Finance — Coverage of American Riviera Bank related to commercial real estate and lending reported by finance.yahoo.com.Jul 23, 2026
- American Riviera Bank Q2 2026 net income rises 46.2% to $7.3M, driven by strong loan growth and improved margins - pluang.com — Coverage of American Riviera Bank related to lending reported by pluang.com.Jul 22, 2026
- American Riviera Bank Grows Loans 13.1% to $1.15B in a Year - Stock Titan — Coverage of American Riviera Bank related to lending reported by stocktitan.net.Jul 22, 2026
- American Riviera Bank buys Ventura property for its first full-service branch in Ventura County - Santa Barbara News-Press — Coverage of American Riviera Bank related to branch operations reported by newspress.com.Jul 3, 2026
- American Riviera Bank Purchases Ventura Property for First Full-Service Ventura County Branch - independent.com — Coverage of American Riviera Bank related to branch operations reported by independent.com.Jul 1, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Community National BankCommunity Bank · Midland · $780.4M CRE book
- Hawthorn BankCommunity Bank · Jefferson City · $770.0M CRE book
- Somerset Trust CompanyCommunity Bank · Somerset · $756.4M CRE book
- Citizens BankCommunity Bank · Elizabethton · $817.8M CRE book
- First United BankCommunity Bank · Dimmitt · $747.6M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.