| Metric | American Riviera Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +5.5% | +5.5 pts |
| Deposit growth (YoY) | +8.9% | +5.1% | +3.8 pts |
| Loan growth (YoY) | +13.1% | +5.9% | +7.2 pts |
| ROA | 1.11% | 1.26% | -0.2 pts |
| ROE | 10.9% | 12.2% | -1.3 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.44B | $1.24B | $1.14B | $147.8M | $7.8M | 1.11% | 4.07% | 0.55% |
| Q1 2026 | $1.42B | $1.27B | $1.09B | $144.1M | $4.2M | 1.21% | 4.03% | 0.56% |
| Q4 2025 | $1.37B | $1.21B | $1.07B | $140.2M | $13.5M | 1.02% | 3.89% | 0.59% |
| Q3 2025 | $1.42B | $1.27B | $1.03B | $134.3M | $8.7M | 0.88% | 3.78% | 0.69% |
| Q2 2025 | $1.30B | $1.14B | $1.01B | $137.5M | $5.5M | 0.85% | 3.79% | 0.65% |
| Q1 2025 | $1.29B | $1.14B | $982.9M | $134.2M | $2.6M | 0.81% | 3.76% | 0.37% |
| Q4 2024 | $1.28B | $1.12B | $978.4M | $130.2M | $9.7M | 0.76% | 3.51% | 0.48% |
| Q3 2024 | $1.29B | $1.14B | $964.6M | $130.6M | $7.3M | 0.76% | 3.48% | 0.04% |
Loan mix (Q2 2026): real estate $1.05B · commercial $84.7M · consumer $526K · securities $205.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | American Riviera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.26% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.2% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 59.0% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | American Riviera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | American Riviera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | American Riviera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | American Riviera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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