Lenders › American Riviera Bank
7(a) lenderSanta Barbara, CaliforniaFDIC-insured bank462nd of 2,184 by approvals
American Riviera Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
American Riviera Bank (Santa Barbara, California) is an FDIC-insured bank in the SBA 7(a) program, 462nd of 2,184 by approvals in FY2021 to FY2025: 58 loans worth $29.1M.
In FY2025, the latest complete fiscal year, it had 11 approvals totalling $4.5M. FY2026 to 30 Jun 2026 adds 13 more.
The median approval was $308K, against $190K for the 7(a) program as a whole; 31.0% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 2 states and territories and 5 counties, led by California (98.3%) and New York (1.7%). The largest industry group was accommodation and food services at 17.2% of approvals, and 6.9% of approvals were to franchise businesses.
Of 114 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (7.0%), 91 as paid in full and 15 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 13 | $4.5M | $200K | $349K | 52 |
| FY2025 | 11 | $4.5M | $210K | $409K | 67 |
| FY2024 | 9 | $4.8M | $250K | $534K | 189 |
| FY2023 | 15 | $5.8M | $242K | $388K | 187 |
| FY2022 | 14 | $7.0M | $491K | $500K | 224 |
| FY2021 | 9 | $7.0M | $531K | $777K | 121 |
| FY2020 | 21 | $9.9M | $400K | $472K | 419 |
| FY2019 | 10 | $3.8M | $229K | $384K | 89 |
| FY2018 | 12 | $1.6M | $93K | $134K | 118 |
| FY2017 | 12 | $2.3M | $138K | $188K | 179 |
| FY2016 | 6 | $913K | $113K | $152K | 83 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 61 approvals. First approval on file: FY2011.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 130 | 79,249 | 639,905 |
| Cancelled or never disbursed | 16 | 10,102 | 79,313 |
| Disbursed loans | 114 | 69,147 | 560,592 |
| Paid in full | 91 | 52,688 | 435,813 |
| Charged off | 8 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 15 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 7.0% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 9.4% | 1.5% | 2.5% |
| Dollars charged off | $4.5M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 9 | 1 | 0 | — | 2.8% |
| FY2020 | 15 | 11 | 0 | — | 4.0% |
| FY2019 | 8 | 7 | 0 | — | 6.7% |
| FY2018 | 11 | 9 | 0 | — | 7.9% |
| FY2017 | 10 | 10 | 0 | — | 7.7% |
| FY2016 | 6 | 6 | 0 | — | 7.2% |
| FY2015 | 10 | 9 | 1 | — | 6.9% |
| FY2014 | 5 | 5 | 0 | — | 6.4% |
| FY2013 | 9 | 6 | 3 | — | 6.0% |
| FY2012 | 11 | 9 | 2 | — | 6.3% |
| FY2011 | 20 | 18 | 2 | — | 6.9% |
| FY2010 | 0 | 0 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $308K | $190K |
| Average approval | $502K | $518K |
| Approvals of $150,000 or less | 31.0% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 20.7% | 34.3% |
| Approvals to franchise businesses | 6.9% | 11.5% |
| Jobs supported per approval, as reported | 13.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 7.0% | 6.6% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 57 | $28.8M | 98.3% | |
| 2 | New York | 1 | — | 1.7% |
In California the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (5 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Santa Barbara County, CA | 30 | $17.5M | 51.7% | |
| 2 | San Luis Obispo County, CA | 25 | $8.3M | 43.1% | |
| 3 | Orange County, CA | 1 | — | 1.7% | |
| 4 | Los Angeles County, CA | 1 | — | 1.7% | |
| 5 | New York County, NY | 1 | — | 1.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 10 | 17.2% | |
| 2 | Retail Trade | 9 | 15.5% | |
| 3 | Manufacturing | 8 | 13.8% | |
| 4 | Construction | 7 | 12.1% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 5 | 8.6% | |
| 6 | Real Estate and Rental and Leasing | 5 | 8.6% | |
| 7 | Health Care and Social Assistance | 3 | 5.2% | |
| 8 | Professional, Scientific, and Technical Services | 3 | 5.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 13.8% | |
| 2 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 5.2% | |
| 3 | Remediation and Other Waste Management ServicesNAICS 5629 | 2 | 3.4% | |
| 4 | Specialty Food StoresNAICS 4452 | 2 | 3.4% | |
| 5 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 3.4% | |
| 6 | Beverage ManufacturingNAICS 3121 | 2 | 3.4% | |
| 7 | Business Support ServicesNAICS 5614 | 2 | 3.4% | |
| 8 | Semiconductor and Other Electronic Component ManufacturingNAICS 3344 | 2 | 3.4% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 3.4% | |
| 10 | Jewelry, Luggage, and Leather Goods RetailersNAICS 4583 | 2 | 3.4% |
Approval sizes
- $50,000 or less5.2%3
- $50,001 to $150,00025.9%15
- $150,001 to $350,00020.7%12
- $350,001 to $1 million36.2%21
- $1 million to $2 million10.3%6
- Over $2 million1.7%1
Loan terms
- 5 years or less1.7%1
- Over 5 to 10 years87.9%51
- Over 10 to 20 years5.2%3
- Over 20 years5.2%3
Age of the businesses
- Existing, more than 2 years old58.6%34
- New business, 2 years or less8.6%5
- Startup, loan funds will open the business12.1%7
- Change of ownership20.7%12
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 42 | 72.4% | |
| 2 | SBA Express Program | 12 | 20.7% | |
| 3 | 7a General | 4 | 6.9% |
Franchise share
4 of 58 approvals in FY2021–FY2025 (6.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The UPS Store | 2 | 3.4% | |
| 2 | Tifa Chocolate & Gelato | 1 | 1.7% | |
| 3 | Cold Stone Creamery | 1 | 1.7% |
Questions and answers
How many SBA loans does American Riviera Bank make?
SBA approved 11 7(a) loans through American Riviera Bank in FY2025, worth $4.5M, and 58 over FY2021 to FY2025. That ranks 462nd of 2,184 active 7(a) lenders by number of approvals.
How large are American Riviera Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $308K and the average $502K. The program-wide median was $190K.
What is American Riviera Bank's charge-off rate?
Of 114 disbursed loans approved in FY2010 to FY2021, SBA records 8 as charged off (7.0%), 91 as paid in full and 15 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is close to it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does American Riviera Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (8); foundation, structure, and building exterior contractors (3); remediation and other waste management services (2); specialty food stores (2).
Where does American Riviera Bank make SBA loans?
In 2 states and territories. California 57, New York 1. In California it accounts for 0.2% of all 7(a) approvals.
Is American Riviera Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 35, against 44 in the three before: falling (-20%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error