American Riviera Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	66.68	11.86	14.56	11.99	12.1	8.18
Investment Securities	213.19	101.39	102.66	106.1	156.21	364.59
Mortgage-Backed Securities	-	126.15	130	156.89	163.37	115.17
Total Investments	213.19	227.55	232.65	262.99	319.58	479.76
Gross Loans	1,099	1,083	991.43	947.95	909.42	796.08
Allowance for Loan Losses	-12.71	-12.69	-11.57	-11.65	-10.63	-9.38
Other Adjustments to Gross Loans	-	-1.6	-1.49	-1.54	-1.73	-2.59
Net Loans	1,087	1,069	978.37	934.76	897.06	784.11
Property, Plant & Equipment	12.39	12.84	13.06	13.99	12.35	10.43
Goodwill	-	4.8	4.8	4.8	4.8	4.8
Other Intangible Assets	4.87	-	-	-	0.15	0.18
Accrued Interest Receivable	-	5.62	5.2	5.12	5.37	4.09
Long-Term Deferred Tax Assets	-	13.75	15.33	16.36	17.71	6.71
Other Long-Term Assets	39.39	21.87	15.34	15.02	13.47	8.28
Total Assets	1,423	1,367	1,279	1,265	1,283	1,307
Interest Bearing Deposits	790.18	677.1	608.51	569.91	662.11	731.33
Institutional Deposits	-	71.2	73.8	36.7	22.9	-
Non-Interest Bearing Deposits	464.82	451.72	431.03	443.07	478.52	470.76
Total Deposits	1,255	1,200	1,113	1,050	1,164	1,202
Short-Term Borrowings	10	10	15	75	-	-
Current Portion of Leases	-	3.07	-	-	-	-
Accrued Interest Payable	-	0.68	1.05	0.57	0.09	0.03
Other Current Liabilities	0.97	0.97	1.05	0.58	-	-
Long-Term Debt	16.15	16.5	26.5	18	18	-
Federal Home Loan Bank Debt, Long-Term	-	-	-	10	-	-
Long-Term Leases	-	3.56	5.9	6.22	7.07	4.97
Long-Term Deferred Tax Liabilities	-	2.71	2.97	3.18	2.97	2.45
Other Long-Term Liabilities	9.82	2.11	2.12	1.17	3.81	0.73
Total Liabilities	1,292	1,240	1,168	1,164	1,195	1,210
Common Stock	66.86	67.26	68.04	67.3	66.35	56.56
Retained Earnings	78.31	74.33	63.01	54.27	44.67	40.43
Comprehensive Income & Other	-13.86	-13.92	-19.67	-20.93	-23.92	-0.72
Shareholders' Equity	131.31	127.67	111.38	100.64	87.1	96.27
Total Liabilities & Equity	1,423	1,367	1,279	1,265	1,283	1,307
Total Debt	26.15	33.12	47.4	109.22	25.07	4.97
Net Cash (Debt)	40.53	-11.73	-26.46	-89.54	36.73	287.14
Net Cash Growth	906.91%	-	-	-	-87.21%	142.82%
Net Cash Per Share	7.12	-2.05	-4.55	-15.52	6.48	50.81
Filing Date Shares Outstanding	5.75	5.71	5.82	5.77	5.69	4.97
Total Common Shares Outstanding	5.75	5.71	5.82	5.77	5.69	4.97
Book Value Per Share	22.84	22.35	19.15	17.45	15.30	19.35
Tangible Book Value	126.43	122.87	106.58	95.84	82.15	91.29
Tangible Book Value Per Share	21.99	21.51	18.33	16.61	14.43	18.35

Source: S&P Global Market Intelligence. Banks template. Financial Sources.