Financial Ratios American Riviera Bancorp

Stocks

ARBV

US02933K1034

Market Closed - OTC Markets 11:34:41 2026-06-04 EDT			5-day change	1st Jan Change
25.99 ^USD	-0.19%		-13.80%	+8.74%

07-22	American Riviera Bancorp Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI
06-15	Markets Get Their Peace Dividend

19edc58cca0f3867381b65f18e.mcAPHslpUI9wsCf8Qj1RIwS8g2XJZntFaIpML3upJlw.6Pg4L_AfArw5hknRLEUZZmXJ6VP4CUwRK91hRx_Rdz_WiHhE-1AT9RrjSA

Published financial data: AMERICAN RIVIERA BANCORP

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Interest Income On Loans	37.97M	40.52M	47.69M	52.54M	58.09M
Interest Income On Investments	2.06M	8.26M	8M	7.6M	7.47M
Interest Income, Total	40.04M	48.78M	55.68M	60.13M	65.56M
Interest On Deposits	948K	1.36M	8.49M	15.12M	16.28M
Total Interest On Borrowings	-	570K	2.91M	3.79M	1.37M
Interest Expense, Total	948K	1.93M	11.4M	18.91M	17.66M
Net Interest Income	39.09M	46.85M	44.29M	41.22M	47.91M
Total Mortgage Banking Activities	-	-	-	-	-
Gain (Loss) on Sale of Loans	446K	533K	85K	301K	69K
Gain (Loss) on Sale of Assets	-	-	-68K	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	8K	-89K	-544K	13K	-41K
Total Other Non Interest Income	3.13M	2.9M	3M	3.36M	3.49M
Non Interest Income, Total	3.58M	3.35M	2.48M	3.67M	3.51M
Revenues Before Provison For Loan Losses	42.67M	50.19M	46.76M	44.89M	51.42M
Provision For Loan Losses	338K	1.15M	171K	393K	1.04M
Total Revenues	42.34M	49.05M	46.59M	44.5M	50.39M
Salaries And Other Employee Benefits	15.14M	17.28M	17.64M	18.74M	20.61M
Occupancy Expense	1.67M	1.76M	2.04M	2.33M	2.2M
Selling General & Admin Expenses, Total	2.86M	3.43M	3.79M	3.72M	3.52M
Total Other Non Interest Expense	6.3M	7.83M	8.62M	7.87M	7.96M
Non Interest Expense, Total	25.96M	30.29M	32.09M	32.65M	34.3M
EBT, Excl. Unusual Items	16.38M	18.76M	14.5M	11.85M	16.08M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Other Unusual Items	-	-	-	450K	-
EBT, Incl. Unusual Items	16.38M	18.76M	14.5M	12.3M	16.08M
Income Tax Expense	4.55M	5.26M	3.99M	3.56M	3.64M
Earnings From Continuing Operations	11.83M	13.49M	10.51M	8.74M	12.44M
Net Income to Company	11.83M	13.49M	10.51M	8.74M	12.44M
Net Income - (IS)	11.83M	13.49M	10.51M	8.74M	12.44M
Net Income to Common Incl Extra Items	11.83M	13.49M	10.51M	8.74M	12.44M
Net Income to Common Excl. Extra Items	11.83M	13.49M	10.51M	8.74M	12.44M
Per Share Items
Net EPS - Basic	2.09	2.38	1.82	1.5	2.18
Basic EPS - Continuing Operations	2.09	2.38	1.82	1.5	2.18
Basic Weighted Average Shares Outstanding	5.65M	5.67M	5.77M	5.82M	5.71M
Net EPS - Diluted	2.09	2.38	1.82	1.5	2.18
Diluted EPS - Continuing Operations	2.09	2.38	1.82	1.5	2.18
Diluted Weighted Average Shares Outstanding	5.65M	5.67M	5.77M	5.82M	5.71M
Normalized Basic EPS	1.81	2.07	1.57	1.27	1.76
Normalized Diluted EPS	1.81	2.07	1.57	1.27	1.76
Supplemental Items
Effective Tax Rate - (Ratio)	27.76	28.06	27.52	28.93	22.62
Current Domestic Taxes	5.27M	6M	3.36M	3.27M	4.72M
Total Current Taxes	5.27M	6M	3.36M	3.27M	4.72M
Deferred Domestic Taxes	-722K	-733K	632K	291K	-1.08M
Total Deferred Taxes	-722K	-733K	632K	291K	-1.08M
Normalized Net Income	10.23M	11.72M	9.06M	7.41M	10.05M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	871K	1.02M	1.33M	1.26M	1.25M
Total Stock-Based Compensation	871K	1.02M	1.33M	1.26M	1.25M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Assets
Cash And Equivalents	8.18M	12.1M	11.99M	14.56M	11.86M
Investment Securities, Total	389M	156M	106M	103M	101M
Mortgage Backed Securities	86.88M	163M	157M	130M	126M
Total investments	475M	320M	263M	233M	228M
Gross Loans	796M	909M	948M	991M	1.08B
Allowance For Loan Losses	-9.38M	-10.63M	-11.65M	-11.57M	-12.69M
Other Adjustments to Gross Loans	-2.58M	-1.73M	-1.54M	-1.49M	-1.6M
Net Loans	784M	897M	935M	978M	1.07B
Gross Property Plant And Equipment	16.26M	18.94M	20.8M	21.01M	21.92M
Accumulated Depreciation	-5.84M	-6.6M	-6.8M	-7.95M	-9.08M
Net Property Plant And Equipment	10.43M	12.35M	13.99M	13.06M	12.84M
Goodwill	4.8M	4.8M	4.8M	4.8M	4.8M
Other Intangibles, Total	179K	147K	129K	-	-
Investment in FHLB	4.23M	-	-	-	-
Accrued Interest Receivable	4.09M	5.37M	5.12M	1.05M	5.62M
Restricted Cash	-	-	-	-	-
Deferred Tax Assets Long-Term (Collected)	6.71M	17.7M	16.36M	15.33M	13.75M
Other Long-Term Assets, Total	8.34M	13.46M	14.89M	19.49M	21.87M
Total Assets	1.31B	1.28B	1.27B	1.28B	1.37B
Liabilities
Interest Bearing Deposits	731M	685M	570M	609M	677M
Institutional Deposits	-	-	36.7M	73.8M	71.2M
Non-Interest Bearing Deposits	471M	479M	443M	431M	452M
Total Deposits	1.2B	1.16B	1.05B	1.11B	1.2B
Short-Term Borrowings	-	-	-	25M	10M
Current Portion of Leases	1.25M	1.27M	1.42M	1.32M	3.07M
Long-Term Debt	-	18M	103M	16.5M	16.5M
Long-Term Leases	3.72M	5.8M	4.8M	4.58M	3.56M
Accrued Interest Payable	754K	91K	565K	1.05M	683K
Other Current Liabilities - (Bank / Utility Template)	-	-	-	1.05M	974K
Deferred Tax Liability Non-Current	2.45M	2.97M	3.18M	2.96M	2.71M
Other Non Current Liabilities	-	3.81M	1.75M	2.12M	2.11M
Total Liabilities	1.21B	1.2B	1.16B	1.17B	1.24B
Common Stock, Total	56.56M	66.35M	67.3M	68.04M	67.26M
Retained Earnings	40.43M	44.67M	54.27M	63.01M	74.33M
Comprehensive Income and Other	-723K	-23.92M	-20.93M	-19.67M	-13.92M
Total Common Equity	96.27M	87.1M	101M	111M	128M
Total Equity	96.27M	87.1M	101M	111M	128M
Total Liabilities And Equity	1.31B	1.28B	1.27B	1.28B	1.37B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	4.97M	5.69M	5.77M	5.82M	5.71M
ECS Total Common Shares Outstanding	4.97M	5.69M	5.77M	5.82M	5.71M
Book Value / Share	19.35	15.3	17.45	19.15	22.35
Tangible Book Value	91.29M	82.15M	95.71M	107M	123M
Tangible Book Value Per Share	18.35	14.43	16.59	18.33	21.51
Tangible Book Value Per Share (As Reported)	16.29	-	16.59	18.31	21.49
Average Assets	-	-	-	-	-
Average Loans	-	-	-	-	-
Total Debt	4.97M	25.07M	109M	47.4M	33.12M
Federal Funds Sold	-	-	-	-	-
Net Debt	-287M	-36.73M	89.54M	26.46M	11.73M
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Net Income	11.83M	13.49M	10.51M	8.74M	12.44M
Depreciation, Depletion & Amortization	1.4M	1.02M	1.76M	1.26M	1.26M
Amortization of Goodwill and Intangible Assets - (CF)	200K	200K	-	-	-
Total Depreciation, Depletion & Amortization	1.6M	1.22M	1.76M	1.26M	1.26M
Gain (Loss) on Sale of Loans & Receivables - (CF)	-446K	-533K	-85K	-301K	-69K
(Gain) Loss On Sale of Asset - (CF)	-	3K	68K	-	-
(Gain) Loss on Sale of Investments - (CF)	1.21M	1.62M	1.72M	1.19M	310K
Total Asset Writedown	-49K	-	-	-	-
Provision for Credit Losses	338K	1.15M	171K	393K	1.04M
(Income) Loss On Equity Investments - (CF)	-55K	28K	-65K	8K	16K
Stock-Based Compensation (CF)	871K	1.02M	1.33M	1.26M	1.25M
Tax Benefit from Stock Options	-	-	-	-	-
Changes in Accrued Interest Receivable	-1.58M	-6.31M	585K	113K	956K
Changes in Accrued Interest Payable	81K	3.67M	-1.38M	1.22M	-540K
Change in Unearned Revenues	-274K	-855K	-207K	-35K	107K
Change In Deferred Taxes	-722K	-733K	632K	291K	-1.08M
Change in Other Net Operating Assets (Collected)	-225K	-222K	-275K	-393K	-499K
Other Operating Activities	-	-	-	-	-5.84M
Cash from Operations	12.58M	13.54M	14.76M	13.75M	9.34M
Capital Expenditure	-563K	-605K	-4.84M	-565K	-169K
Sale of Property, Plant, and Equipment	-	-	-	-	-
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-270M	127M	60.62M	31.02M	12.82M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-66.06M	-113M	-38.42M	-43.2M	-91.79M
Other Investing Activities, Total	-912K	-2.01M	-3M	-87K	-1.42M
Cash from Investing	-338M	11.28M	14.35M	-12.82M	-80.57M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	-	18M	85M	-	-
Total Debt Issued	-	18M	85M	-	-
Short Term Debt Repaid, Total	-5M	-	-	-	-
Long-Term Debt Repaid, Total	-	-	-	-61.5M	-15M
Total Debt Repaid	-5M	-	-	-61.5M	-15M
Issuance of Common Stock	105K	-	-	-	-
Repurchase of Common Stock	-150K	-344K	-376K	-516K	-3.15M
Repurchase of Preferred Stock	-	-	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	330M	-38.56M	-114M	63.66M	86.68M
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	325M	-20.91M	-29.22M	1.64M	68.53M
Net Change in Cash	-463K	3.91M	-110K	2.57M	-2.7M
Supplemental Items
Cash Interest Paid	1.1M	1.64M	10.86M	18.44M	18.02M
Cash Income Tax Paid (Refund)	4.88M	3.62M	2.78M	1.32M	3.48M
Net Debt Issued / Repaid	-5M	18M	85M	-61.5M	-15M

Fiscal Period: December	2021 (USD)	2022 (USD)	2023 (USD)	2024 (USD)	2025 (USD)
Profitability
Return on Assets	1.04	1.04	0.83	0.69	0.94
Return On Equity %	13.06	14.72	11.2	8.25	10.41
Return on Common Equity	13.06	14.72	11.2	8.25	10.41
Shareholders Value Added	1.16M	2.69M	-751K	-3.98M	-1.9M
Margin Analysis
SG&A Margin	46.45	45.8	50.37	55.69	52.28
Net Interest Income / Total Revenues %	92.33	95.51	95.05	92.63	95.08
EBT Excl. Non-Recurring Items Margin %	38.68	38.24	31.13	26.63	31.92
Income From Continuing Operations Margin %	27.94	27.51	22.56	19.64	24.7
Net Income Margin %	27.94	27.51	22.56	19.64	24.7
Net Avail. For Common Margin %	27.94	27.51	22.56	19.64	24.7
Normalized Net Income Margin	24.17	23.9	19.46	16.64	19.95
Asset quality
Nonperforming Loans / Total Loans %	0.36	0.34	0.06	0.62	0.75
Nonperforming Loans / Total Assets %	0.22	0.24	0.05	0.48	0.59
Nonperforming Assets / Total Assets %	0.22	0.24	0.05	0.48	0.59
NPAs / Loans and OREO	0.36	0.34	0.06	0.62	0.75
NPAs / Equity	2.98	3.52	0.59	5.47	6.36
Allowance for Credit Losses / Net Charge-offs %	-1.62K	-11.07K	-97.07K	-	-
Allowance for Credit Losses / Nonperforming Loans %	327.05	346.58	1.96K	189.77	156.35
Allowance for Credit Losses / Total Loans %	1.18	1.17	1.23	1.17	1.17
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-58.48	-1.19K	-1.42K	-	-
Interest Income / Average Assets	-	-	-	-	-
Interest Expense / Average Assets	-	-	-	-	-
Net Interest Income / Average Assets	-	-	-	-	-
Non Interest Income / Average Assets	-	-	-	-	-
Non Interest Expense / Average Asset	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.95	7.08	7.37	8.33	9.03
Total Average Equity / Total Average Assets %	7.95	7.08	7.37	8.33	9.03
Total Equity + Allowance for Loan Losses / Total Loans %	13.27	10.75	11.85	12.4	12.96
Gross Loans / Total Deposits %	66.22	78.16	90.31	89.05	90.27
Net Loans / Total Deposits %	65.23	77.1	89.05	87.88	89.08
Tier 1 Capital Ratio %	11	11.9	12.6	13.2	12.5
Total Capital Ratio %	12.1	13	13.8	14.4	13.7
Core Tier 1 Capital Ratio	11	11.9	12.6	13.2	12.5
Tier 2 Capital Ratio	1.14	1.04	1.15	1.15	1.15
Coverage Ratio	327.16	346.58	-	-	-
Leverage Ratio %	7.2	8.8	10.6	11.2	10.6
Interbank Ratio	-	-	-	63.93	95.38
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	33.91	5.99	4.24	12.73
EBT + Interest Expense / Interest Expense	18.27	10.71	2.27	1.65	1.91
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	19.71	19.84	-5.46	-6.92	16.23
Non Interest Income, 1 Yr. Growth %	25	-6.64	-26.02	48.34	-4.33
Provision For Loan Losses, 1 Yr. Growth %	-84.06	239.35	-85.09	129.82	163.87
Total Revenues, 1 Yr. Growth %	26.75	15.85	-5.01	-4.49	13.23
Earnings From Cont. Operations, 1 Yr. Growth %	60.33	14.08	-22.09	-16.85	42.36
Net Income, 1 Yr. Growth %	60.33	14.08	-22.09	-16.85	42.36
Normalized Net Income, 1 Yr. Growth %	58.35	14.55	-22.67	-18.29	35.7
Diluted EPS Before Extra, 1 Yr. Growth %	58.62	13.88	-23.53	-17.58	45.22
Gross Loans, 1 Yr. Growth %	9.21	14.24	4.24	4.59	9.27
Allowance For Loan Losses, 1 Yr. Growth %	10.82	13.25	9.62	-0.65	9.65
Net Loans, 1 Yr. Growth %	9.27	14.41	4.2	4.66	9.26
Non Performing Loans, 1 Yr. Growth %	-16.74	6.87	-80.63	926.6	33.09
Non Performing Assets, 1 Yr. Growth %	-16.74	6.87	-80.63	926.6	33.09
Total Assets, 1 Yr. Growth %	34.47	-1.83	-1.37	1.13	6.88
Total Deposits, 1 Yr Growth %	37.84	-3.21	-9.78	6.06	7.79
Tangible Book Value, 1 Yr. Growth %	14.46	-10.02	16.51	11.21	15.28
Common Equity, 1 Yr. Growth %	13.37	-9.53	15.55	10.67	14.62
Total Equity, 1 Yr. Growth %	13.37	-9.53	15.55	10.67	14.62
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	21.48	19.78	6.44	-6.2	4.01
Non Interest Income, 2 Yr. CAGR %	13.34	8.03	-16.89	4.76	19.13
Provision For Loan Losses, 2 Yr. CAGR %	-35.24	-26.44	-28.87	-41.47	146.26
Total Revenues, 2 Yr. CAGR %	21.94	21.18	4.9	-4.75	3.99
Earnings From Cont. Operations, 2 Yr. CAGR %	36.03	35.24	-5.73	-19.51	8.8
Net Income, 2 Yr. CAGR %	36.03	35.24	-5.73	-19.51	8.8
Normalized Net Income, 2 Yr. CAGR %	35.65	34.68	-5.89	-20.51	5.3
Diluted EPS Before Extra, 2 Yr. CAGR %	32.59	34.37	-6.68	-20.61	9.4
Gross Loans, 2 Yr. CAGR %	17.25	11.7	9.12	4.41	6.9
Allowance For Loan Losses, 2 Yr. CAGR %	21.41	12.03	11.42	4.36	4.37
Net Loans, 2 Yr. CAGR %	17.07	11.81	9.18	4.43	6.94
Non Performing Loans, 2 Yr. CAGR %	217.84	-5.67	-54.5	41.03	269.64
Non Performing Assets, 2 Yr. CAGR %	217.84	-5.67	-54.5	41.03	269.64
Total Assets, 2 Yr. CAGR %	34.81	14.89	-1.6	-0.13	3.96
Total Deposits, 2 Yr CAGR %	39.11	15.51	-6.55	-2.18	6.92
Tangible Book Value, 2 Yr. CAGR %	13.55	1.49	2.39	13.9	13.23
Common Equity, 2 Yr. CAGR %	12.44	1.27	2.24	13.09	12.63
Total Equity, 2 Yr. CAGR %	12.44	1.27	2.24	13.09	12.63
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	17.34	20.94	10.69	1.79	0.75
Non Interest Income, 3 Yr. CAGR %	26.76	6.24	-4.78	0.81	1.64
Provision For Loan Losses, 3 Yr. CAGR %	-36.08	12.48	-56.79	5.15	-3.3
Total Revenues, 3 Yr. CAGR %	19.74	19.88	11.73	1.68	0.9
Earnings From Cont. Operations, 3 Yr. CAGR %	26.17	28.28	12.53	-9.59	-2.66
Net Income, 3 Yr. CAGR %	26.17	28.28	12.53	-9.59	-2.66
Normalized Net Income, 3 Yr. CAGR %	25.24	28.22	11.94	-10.22	-5
Diluted EPS Before Extra, 3 Yr. CAGR %	20.15	26.01	11.35	-10.47	-2.91
Gross Loans, 3 Yr. CAGR %	16.1	16.24	9.15	7.59	6.01
Allowance For Loan Losses, 3 Yr. CAGR %	19.19	18.62	11.22	7.24	6.09
Net Loans, 3 Yr. CAGR %	15.96	16.18	9.21	7.66	6.02
Non Performing Loans, 3 Yr. CAGR %	101.82	121.01	-44.35	28.57	38.33
Non Performing Assets, 3 Yr. CAGR %	101.82	121.01	-44.35	28.57	38.33
Total Assets, 3 Yr. CAGR %	28.45	21.28	9.19	-0.7	2.16
Total Deposits, 3 Yr CAGR %	32.8	23.27	6.37	-2.52	1.03
Tangible Book Value, 3 Yr. CAGR %	18.14	5.08	6.26	5.3	14.36
Common Equity, 3 Yr. CAGR %	16.5	4.58	5.83	4.98	13.6
Total Equity, 3 Yr. CAGR %	16.5	4.58	5.83	4.98	13.6
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	14.53	17.49	12.85	9.25	7.97
Non Interest Income, 5 Yr. CAGR %	17.03	18.87	7.06	5.65	4.15
Provision For Loan Losses, 5 Yr. CAGR %	-7.72	4.65	-33.29	-13.38	-13.33
Total Revenues, 5 Yr. CAGR %	15.09	18.02	13.57	9.34	8.57
Earnings From Cont. Operations, 5 Yr. CAGR %	23.42	30.72	12.29	6.46	11.02
Net Income, 5 Yr. CAGR %	23.42	30.72	12.29	6.46	11.02
Normalized Net Income, 5 Yr. CAGR %	15.14	19.51	11.71	5.9	9.23
Diluted EPS Before Extra, 5 Yr. CAGR %	19.34	26.59	8.59	4.75	10.57
Gross Loans, 5 Yr. CAGR %	17.39	17.03	13.26	11.36	8.25
Allowance For Loan Losses, 5 Yr. CAGR %	22.74	20.06	16.02	12.7	8.43
Net Loans, 5 Yr. CAGR %	17.3	16.96	13.2	11.33	8.3
Non Performing Loans, 5 Yr. CAGR %	51.71	40.5	11.22	84.66	18.69
Non Performing Assets, 5 Yr. CAGR %	51.71	40.5	11.22	84.66	18.69
Total Assets, 5 Yr. CAGR %	23.97	20.01	15.46	12.22	7.07
Total Deposits, 5 Yr CAGR %	25.13	20.99	15.38	12.38	6.59
Tangible Book Value, 5 Yr. CAGR %	15.15	10.89	11.57	8.52	9.03
Common Equity, 5 Yr. CAGR %	13.57	9.76	10.57	7.9	8.5
Total Equity, 5 Yr. CAGR %	13.57	9.76	10.57	7.9	8.5