Slide 1: Quarterly Financial Update
Quarterly Financial Update As of June 30, 2026
Slide 2: Safe Harbor Statement
Safe Harbor Statement Statements contained in this presentation which are not historical facts, and which pertain to future operating results of American Riviera Bancorp (the “Company”) and its subsidiaries constitute “forward-looking statements” within the meaning of the Private Securities Litigati
Slide 3: Overview of American Riviera Bancorp
Overview of American Riviera Bancorp Company Overview Branch Footprint Bank Name American Riviera Bank Headquarters Santa Barbara, CA Ticker / Exchange ARBV / OTCQX Market Cap. $ 184 MM Outstanding Shares 5,759,969 Client Focus Real Estate, Small Business, and Professionals Geography Central Coast o
Slide 4: Track Record of Organic & Acquisitive Growth
Track Record of Organic & Acquisitive Growth Gross Loans ($MM) $1,400 $1,154 $1,200 $990 $1,082 ✓ 13% loan growth over the last 12 months $908 $946 $1,000 $793 $800 $726 $578 ✓ 13% CAGR since year of merger with Bank of Santa $600 $508 $356 $414 Barbara (12/31/2016) $400 $200 $- ✓ 2017-2019 expansio
Slide 5: A Core Deposit Franchise
A Core Deposit Franchise ▪ Average non-maturity deposit balance for business ▪ 1.24% cost of total deposits in Q2 2026 vs. 1.85% accounts of $133,000 and $37,000 for personal accounts for California bank peers* Deposit Mix Cost of Deposits vs. Fed Funds Rate $1,400 6.00% 5.50% $1,202 $1,200 $1,227 $
Slide 6: Balance Sheet Mix
Balance Sheet Mix Loan Portfolio Deposit Base Total Asset Mix Non-Owner Occ. CRE 39.9% Non-interest Interest Bearing Bearing Demand Loans, Net of Owner-Occ. 39.1% 12.9% AFS Reserves CRE Securities 79.0% 15.9% 11.4% Multifamily 7.8% C&I HTM 7.3% Securities 2.9% CDs MMDA 1-4 Family Farm & Ag. 9.4% 36.
Slide 7: Scarcity Value in the Central Coast of California
Scarcity Value in the Central Coast of California ✓ American Riviera is the second largest bank headquartered in the Central Coast of California as ranked by total assets* Monterey County 2 Banks ✓ No banks headquartered in San Luis Obispo County to our North or Ventura County to our South San Luis
Slide 8: Significant Market Disruption Creates Opportunity
Significant Market Disruption Creates Opportunity 12 banks with $8.4B of deposits in ARBV’s footprint have been acquired since 2015, including 5 banks which were headquartered in-market* Deposit Market Share* in 2015 Deposit Market Share* in 2025 Rank Rank In-Mkt. Number of Deposits in Market In-Mkt
Slide 9: Shareholder Value
Shareholder Value High -touch service, community focused business model with strong technology results in: ✓ Lower-cost, relationship, diversified, core deposit base with non -interest-bearing demand accounts comprising 39% of total depos its. ✓ Demand deposits comprise 52% of total deposits and gre
Slide 10: Trend Analysis
son TREND ANALYSIS BANCORP
Slide 11: Profitability Trends
Profitability Trends Return on Average Assets Return on Average Equity 1.50% 16.00% 14.48% 1.27% 1.25% 1.16% 12.30% 0.95% 12.00% 1.00% 9.75% 9.92% 0.83% 0.85% 9.14% 0.74% 8.39% 0.65% 7.73% 7.27% 0.75% 0.62% 8.00% 0.50% 4.00% 0.25% 0.00% 0.00% Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 2024 2024
Slide 12: Yield & Cost Trends
Yield & Cost Trends Cost of Funds Yield on Loans 2.00% 6.50% 1.66% 1.63% 1.60% 1.49% 1.50% 1.48% 1.41% 1.30% 1.36% 6.00% 5.62% 5.64% 5.69% 5.80% 5.77% 5.84% ▪ Yield on loans has 5.52% 5.45% 1.20% 5.50% increased by 32 basis 0.80% 5.00% points over the last 7 quarters 0.40% 4.50% 0.00% 4.00% Q3 Q4 Q1
Slide 13: Capital Adequacy Trend
Capital Adequacy Trend ▪ The Company did not repurchase any shares of common stock during the Bank Capital Ratios most recent quarter. To date,het Company has purchased a total of 130,616 shares at a weighted average cost of $19.80, leaving $2.4 million authorized and available for future repurchase
Slide 14: Credit Quality Trends
Credit Quality Trends NonperformingAssets / Total Assets* Allowance for Credit Losses / GrossLoans 2.00% 1.30% 1.50% 1.22% 1.22% 1.20% 1.19% 1.19% 1.20% 1.17% 1.17% 1.16% 1.00% 0.65% 0.69% 0.59% 0.56% 0.55% 0.48% 1.10% 0.50% 0.37% 0.04% 0.00% 1.00% Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 202
Slide 15: Stock Performance Trend
Stock Performance Trend Market Performance– Last Five Years Summary Market Profile 100.0% 81.8% Ticker ARBV 75.0% 73.8% 63.0% Exchange OTCQX 50.0% 50.7% 25.0% 29.3% Stock Price $ 31.98 Market Cap. ($MM) $ 184 0.0% Dividend Yield 0.00% -25.0% Average Daily Volume (3 Months) -50.0% 7/30/2021 7/30/2022
Slide 16: ARBV History and Management
ARBV History and Management 16
Slide 17: History of the Company
History of the Company 2019 Montecito Paso Robles Santa Maria 525 San Ysidro Rd. 1601 Spring St. 2065 Miller, Suite 108 Montecito, CA 93108 $8.5 Million American Stock Paso Robles, CA 93446 Santa Maria, CA 93455 Common Riviera Repurchase Opened in April 2013 Stock Bancorp Program Michelle Martinich
Slide 18: Executive Management Team
Executive Management Team Mr. DeVine serves as the President and Chief Executive Officer of the Bank and 2 Bancorp. He was appointed President and Chief Executive Officer of the Bank on 2 Mr. Cordova was appointed Senior Vice President and Chief Credit Officer of the 0 August 21, 2008. Mr. DeVine pr
Slide 19: ARBV Ownership Table
ARBV Ownership Table # of Shares% Ownership Board Members (Outside Directors) 667,088 11.6% Executive Management 263,934 4.6% Total Ownership by Board and Management 931,022 16.2% Total Shares Issued and Outstanding 5,750,168 * Ownership is as of the most recent proxy statement. 19
Slide 20: Supplementary Data
Supplementary Data 20
Slide 21: Santa Barbara County
Santa Barbara County Economic Overview and Demographic Trends Total Deposits ($B)– Santa Barbara County ✓ Thriving local economy with meaningful job growth in tourism, professional services, 5 Year CAGR: -1.6% and healthcare sectors $20.0 ✓ Businesses with annual revenues of $1 million to $100 milli
Slide 22: San Luis Obispo County
San Luis Obispo County Economic Overview and Demographic Trends Total Deposits ($B)– San Luis Obispo County 5 Year CAGR: ✓ Diverse region characterized by agricultural and ranching operations, a robust wine 1.2% industry, and small-to-mid sized businesses $10.0 $9.5 $8.9 $8.8 ✓ Businesses with annua
Slide 23: Ventura County
Ventura County Economic Overview and Demographic Trends Total Deposits ($B)– Ventura County 5 Year CAGR: ✓ Ventura County’s economic development is driven by biotechnology, healthcare, -0.6% (1) advanced technologies and agriculture $30.0 $27.5 ✓ Businesses with annual revenues of $1 million to $100
Slide 24: Commercial Real Estate (CRE) Portfolio
Commercial Real Estate (CRE) Portfolio Balance % Total % Total Weighted Weighted 90+ PD NA Low LTV’s and Strong CRE Type $ Millions CRE Portfolio Bank Capital DCR LTV $ Millions DCR’s will support Hospitality $ 167.9 22% 98% 2.09 46% $ - CRE portfolio Office Non-O/O $ 92.9 12% 54% 1.88 46% $ - Multi
Slide 25: Investment portfolio
Investment portfolio Available for Held to Available for Sale Portfolio As of 06/30/26 (in 000s) Sale Maturity (% of book value) CMBS , 3.65% Treasury, 0.85% Book Value $ 179,720 $ 41,472 SBA , 0.80% Agency , 3.60% Market Value $ 164,117 Corporates, 5.96% Unrealized Gain (Loss) $ (15,602) Muni - Tax