American Riviera Bancorp (ARBV)

American Riviera Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	65.11	58.09	52.54	47.69	40.52	37.97
Interest Income on Investments	6.79	7.47	7.6	8	8.26	2.07
Total Interest Income	71.9	65.57	60.13	55.68	48.78	40.04
Interest Paid on Deposits	15.53	16.28	15.12	8.49	1.36	0.95
Interest Paid on Borrowings	1.9	1.37	3.79	2.91	0.57	-
Total Interest Expense	17.43	17.66	18.91	11.4	1.93	0.95
Net Interest Income	54.47	47.91	41.22	44.29	46.85	39.09
Net Interest Income Growth	20.38%	16.23%	-6.92%	-5.46%	19.84%	19.71%
Gain (Loss) on Sale of Assets	-	-	-	-0.07	-	-
Gain (Loss) on Sale of Investments	-0.04	-0.04	0.01	-0.54	-0.09	0.01
Other Non-Interest Income	4.36	3.49	3.36	3	2.9	3.13
Total Non-Interest Income	4.39	3.51	3.67	2.48	3.35	3.59
Non-Interest Income Growth	46.35%	-4.33%	48.34%	-26.02%	-6.64%	25.00%
Revenues Before Loan Losses	58.86	51.42	44.89	46.76	50.19	42.67
Provision for Loan Losses	1.22	1.04	0.39	0.17	1.15	0.34
Revenue	57.64	50.39	44.5	46.59	49.05	42.34
Revenue Growth	23.46%	13.23%	-4.49%	-5.01%	15.85%	26.75%
Salaries and Employee Benefits	22.05	20.61	18.74	17.64	17.28	15.14
Occupancy Expenses	2.26	2.21	2.33	2.04	1.76	1.67
Selling, General & Administrative	3.53	3.53	3.72	3.79	3.43	2.86
Other Non-Interest Expense	9.1	7.97	7.87	8.62	7.83	6.3
Total Non-Interest Expense	36.93	34.31	32.65	32.09	30.29	25.96
EBT Excluding Unusual Items	20.71	16.08	11.85	14.5	18.76	16.38
Other Unusual Items	-	-	0.45	-	-	-
Pretax Income	20.71	16.08	12.3	14.5	18.76	16.38
Income Tax Expense	4.58	3.64	3.56	3.99	5.26	4.55
Net Income	16.13	12.45	8.74	10.51	13.49	11.83
Net Income to Common	16.13	12.45	8.74	10.51	13.49	11.83
Net Income Growth	62.72%	42.36%	-16.85%	-22.09%	14.08%	60.33%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change	0.50%	-1.77%	0.82%	1.75%	0.32%	1.59%
EPS (Basic)	2.80	2.18	1.50	1.82	2.38	2.09
EPS (Diluted)	2.80	2.18	1.50	1.82	2.38	2.09
EPS Growth	62.20%	45.22%	-17.58%	-23.53%	13.88%	58.55%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	22.11%	22.61%	28.93%	27.52%	28.06%	27.76%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 13, 2026

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