American Riviera Bank Q4 profit doubles on higher loan growth, margins
Overview
California community bank's Q4 net income rose 125% yr/yr
Total deposits increased 7.8% yr/yr to $1.20 bln
Net interest margin improved to 3.81% in Q4 2025
Outlook
Company did not provide specific guidance for future quarters or year
Result Drivers
LOAN AND DEPOSIT GROWTH - Co achieved over $90 mln in net loan growth and similar growth in deposits by onboarding new clients and expanding existing relationships, per CEO Jeff DeVine
NET INTEREST MARGIN IMPROVEMENT - NIM increased to 3.81% in Q4 2025 due to steady loan yield improvement and declining total cost of funds
TAX CREDIT GAIN - Net income in Q4 2025 included a $535,000 tax credit gain from a qualified energy Federal tax credit purchase
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $4.50 mln |
|
Press Release: ID:nACSVTRP0a
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