SBA lender profile
American Riviera Bank
American Riviera Bank appears in the public SBA loan data with 188 funded 7(a) loans since FY2010, totaling $75.6M, an average of $402K per loan, and an estimated 4,275 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 4.3%. 58.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 65
- Scale 65
- Activity 65
- Consistency 81
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is American Riviera Bank the right lender for you?
Lenders fund what they know. American Riviera Bank's SBA lending concentrates in California (186 loans) and Accommodation and Food Services (59 loans), at an average loan of $402K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $1.4B
- Headquarters
- Santa Barbara, CA
- FDIC cert
- #58281
- Status
- Active
Where American Riviera Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 186 | $74.9M |
| Washington | 1 | $469K |
| New York | 1 | $300K |
Metro areas where American Riviera Bank funds
What American Riviera Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 59 | $22.0M |
| Manufacturing | 24 | $13.8M |
| Retail Trade | 16 | $8.9M |
| Wholesale Trade | 12 | $5.7M |
| Other Services | 5 | $5.3M |
| Construction | 18 | $3.8M |
American Riviera Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2011 | 20 | $11.2M |
| 2012 | 13 | $6.5M |
| 2013 | 9 | $4.0M |
| 2014 | 6 | $2.5M |
| 2015 | 12 | $1.1M |
| 2016 | 6 | $913K |
| 2017 | 12 | $2.3M |
| 2018 | 12 | $1.6M |
| 2019 | 10 | $3.8M |
| 2020 | 21 | $9.9M |
| 2021 | 9 | $7.0M |
| 2022 | 14 | $7.0M |
| 2023 | 15 | $5.8M |
| 2024 | 9 | $4.8M |
| 2025 | 11 | $4.5M |
| 2026 | 9 | $2.6M |
Related SBA lenders
Other lenders active in California or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
American Riviera Bank: frequently asked questions
Does American Riviera Bank offer SBA loans?
Yes. American Riviera Bank appears in the public SBA data with 188 funded SBA 7(a) loans totaling $75.6M.
How many SBA loans has American Riviera Bank made?
American Riviera Bank is associated with 188 SBA 7(a) loans totaling $75.6M in the public SBA data (as of 2026-03-31).
What is American Riviera Bank's SBA charge-off rate?
About 4.3% of American Riviera Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does American Riviera Bank do most of its SBA lending?
American Riviera Bank's SBA lending in the data is most concentrated in California, and by industry in Accommodation and Food Services.
Is American Riviera Bank an SBA Preferred Lender (PLP)?
The loan record shows American Riviera Bank operating under PLP delegated authority: 109 of its 7(a) loans (58.0%) were processed through the Preferred Lenders Program, including 21 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). American Riviera Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/american-riviera-bank/
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