American Riviera Bank provides a range of community banking products and services for businesses and consumers in California. The company offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides various loan products, such as overdraft protection, auto, boat/airplane, term, business acquisition/partner buyout, equipment, agriculture, standby letter of credit, mortgage, commercial real estate, special purpose, single family residence, home improvement, commercial, multi-family, condominium, and land loans; and bridge/temporary financing and loans to trusts, as well as asset-based, home equity, and other lines of credit. In addition, the company offers online banking, mobile banking and deposit, remote deposit capture, wire transfer, merchant, payroll, and ATM services, as well as safe deposit boxes, and debit and credit cards. It operates through five full-service branches located downtown in Santa Barbara, the upper village of Montecito, near the Calle Real Shopping Center in Goleta, in downtown San Luis Obispo, and downtown Paso Robles; residential and commercial lending offices located in downtown Santa Barbara; and a loan production office located in San Luis Obispo. The company was incorporated in 2006 and is headquartered in Santa Barbara, California.