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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	62.07	58.09	52.54	47.69	40.52	37.97
Interest Income on Investments	7.28	7.47	7.6	8	8.26	2.07
Total Interest Income	69.34	65.57	60.13	55.68	48.78	40.04
Interest Paid on Deposits	15.9	16.28	15.12	8.49	1.36	0.95
Interest Paid on Borrowings	1.43	1.37	3.79	2.91	0.57	-
Total Interest Expense	17.33	17.66	18.91	11.4	1.93	0.95
Net Interest Income	52.02	47.91	41.22	44.29	46.85	39.09
Net Interest Income Growth	19.59%	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	4.07	3.49	3.36	3	2.9	3.13
Total Non-Interest Income	4.1	3.51	3.67	2.48	3.35	3.59
Non-Interest Income Growth	38.64%	-4.33%	48.34%	-26.02%	-6.64%	25.00%
Revenues Before Loan Losses	56.12	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	54.9	50.39	44.5	46.59	49.05	42.34
Revenue Growth	21.16%	13.23%	-4.49%	-5.01%	15.85%	26.75%
Salaries and Employee Benefits	21.44	20.61	18.74	17.64	17.28	15.14
Occupancy Expenses	2.18	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	8.83	7.97	7.87	8.62	7.83	6.3
Total Non-Interest Expense	35.98	34.31	32.65	32.09	30.29	25.96
EBT Excluding Unusual Items	18.92	16.08	11.85	14.5	18.76	16.38
Other Unusual Items	-	-	0.45	-	-	-
Pretax Income	18.92	16.08	12.3	14.5	18.76	16.38
Income Tax Expense	4.18	3.64	3.56	3.99	5.26	4.55
Net Income	14.74	12.45	8.74	10.51	13.49	11.83
Net Income to Common	14.74	12.45	8.74	10.51	13.49	11.83
Net Income Growth	62.45%	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	-2.12%	-1.77%	0.82%	1.75%	0.32%	1.59%
EPS (Basic)	2.59	2.18	1.50	1.82	2.38	2.09
EPS (Diluted)	2.59	2.18	1.50	1.82	2.38	2.09
EPS Growth	66.30%	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	22.07%	22.61%	28.93%	27.52%	28.06%	27.76%

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Aug 14, 2026

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