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American Riviera Bank is a community-focused financial institution founded in 2006 and headquartered in Santa Barbara, California. The bank operates as a state-chartered institution regulated by the California Department of Financial Protection and Innovation and provides comprehensive banking services including deposits, commercial and consumer lending, and SBA loans across the Central Coast.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
Data not available
As Of December 31, 2025
Median
$592K
Average
$739K
Sweet Spot
$0-$500K
Industries with highest loan volume
Roofing Contractors
1
loans
$398K
avg. amount
Roofing Contractors
Loans
1
Avg. Amount
$398K
Drinking Places (Alcoholic Beverages)
1
loans
$306K
avg. amount
Drinking Places (Alcoholic Beverages)
Loans
1
Avg. Amount
$306K
Other Motor Vehicle Parts Manufacturing
1
loans
$1.8M
avg. amount
Other Motor Vehicle Parts Manufacturing
Loans
1
Avg. Amount
$1.8M
Farm Machinery and Equipment Manufacturing
1
loans
$600K
avg. amount
Farm Machinery and Equipment Manufacturing
Loans
1
Avg. Amount
$600K
Automotive Parts and Accessories Retailers
1
loans
$592K
avg. amount
Automotive Parts and Accessories Retailers
Loans
1
Avg. Amount
$592K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.88% |
| $500K-$1M | Prime + 3.00% |
Spread over Prime at time of loan origination
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)