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Lender record

American Riviera Bank

The real lending record — every figure from funded deals. HQ: 1033 Anacapa St, Santa Barbara, CA. 9 branches.

American Riviera Bank banner

88

Recent deals (FY20+)

$310K

Typical deal

29 days

Approval → funding

0%

Failure rate (FY20–23)

Where American Riviera Bank lends

Deals American Riviera Bank funded — list all 83 as text

Deal profile

Most American Riviera Bank deals land between $134K and $544K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Limited-Service Restaurants (5)
  2. 2.Fitness and Recreational Sports Centers (4)
  3. 3.Roofing Contractors (4)
  4. 4.Engineering Services (3)
  5. 5.Full-Service Restaurants (3)
  6. 6.General Line Grocery Merchant Wholesalers (2)
  7. 7.Other Motor Vehicle Parts Manufacturing (2)
  8. 8.Other Commercial and Industrial Machinery and Equipment Rent (2)

Most active states

  1. 1.California (87 deals)
  2. 2.New York (1 deals)

Franchises they finance most

The UPS Store

3 deals

Puddle Pool Services

1 deals

Cold Stone Creamery

1 deals

Tifa Chocolate & Gelato

1 deals

Can American Riviera Bank fund you? The bank behind the loans

Total assets

$1.4B

▲ 4.1% vs prior quarter

Deposits on hand

$1.3B

▲ 4.5% vs prior quarter

Loans outstanding

$1.1B

▲ 1.7% vs prior quarter

Net income (latest qtr)

$4.2M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes American Riviera Bank more SBA-focused than 62% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.21% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a American Riviera Bank branch (9)

American Riviera BankMain office1033 Anacapa StSanta Barbara, CA 93101 · since 2006

Goleta Branch5880 Calle RealGoleta, CA 93117 · since 2013

Montecito - Upper Village Branch525 San Ysidro RdSanta Barbara, CA 93108 · since 2013

Paso Robles1601 Spring StPaso Robles, CA 93446 · since 2018

Commercial Lending Center30 E Figueroa StSanta Barbara, CA 93101 · since 2018 · limited service

San Luis Obispo Branch1085 Higuera StSan Luis Obispo, CA 93401 · since 2019

Santa Maria Branch2605 S Miller StSanta Maria, CA 93455 · since 2023

Atascadero Branch7035 El Camino RealAtascadero, CA 93422 · since 2024

Ventura Commercial Loan Production Office Branch1280 S Victoria AveVentura, CA 93003 · since 2025 · limited service

Branch data: FDIC BankFind.

Recent deals

  • Bond Fitness Inc. in Santa Barbara, CA — $750K (2026) · purchase · Fitness and Recreational Sports Centers
  • Advantage Technical Services, Inc. in Atascadero, CA — $515K (2026) · purchase · Engineering Services
  • Oakley Family Trust in Carpinteria, CA — $362K (2026) · purchase · General Line Grocery Merchant Wholesalers
  • The Goodland Sheas LLC in Goleta, CA — $347K (2026) · Other Services to Buildings and Dwellings
  • Pacific Resources International Inc in Carpinteria, CA — $200K (2026) · purchase · General Line Grocery Merchant Wholesalers
  • R.L.V. Tuned Exhaust Products, Inc. in Santa Maria, CA — $150K (2026) · Other Motor Vehicle Parts Manufacturing
  • Foot & Ankle Health Center of Santa Barbara PC in Santa Barbara, CA — $150K (2026) · Offices of Podiatrists
  • H & G Sales in San Luis Obispo, CA — $74K (2026) · Clothing and Clothing Accessories Retailers
  • Quality Roofing of Santa Barbara, Inc. in Santa Barbara, CA — $50K (2026) · Roofing Contractors
  • R.L.V. Tuned Exhaust Products, Inc. in Santa Maria, CA — $1.8M (2025) · purchase · Other Motor Vehicle Parts Manufacturing

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses American Riviera Bank financed

71 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with American Riviera Bank.

Agent summary

This page summarizes American Riviera Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 88 SBA 7(a) loans on record
  • $310K typical deal
  • 20 business-acquisition loans
  • HQ: 1033 Anacapa St, Santa Barbara, CA
  • 9 FDIC branch locations
  • FDIC total assets $1.4B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/american-riviera-bank
API:
https://www.capbench.com/api/public/lenders/american-riviera-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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