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HeadquartersSanta Barbara, CATicker / ExchangeARBV / OTCQXMarket Cap. 107 MMOutstanding Shares5,134,993Client FocusReal Estate, Small Business, and ProfessionalsGeographyCentral Coast of CaliforniaYear Established2006Branches5Total Assets 1,307 MMROAA1.04%Gross Loans 793 MMROAE13.02%TCE Ratio7.06%RBC Ratio12.16%Efficiency Ratio60.6%NIM3.58%ARBV Branch

2006201320082016GoletaMichelleMartinich joinsas FoundingCFOJeff DeVine joins asPresident & CEOJune 2005Assets: 93 millionJune 30, 2008 Call ReportAugust 21, 20085880 Calle RealGoleta, CA 93117Opened in January 2013Acquired through merger with BSBAcquired The Bank ofSanta Barbara (“BSB”)Deposits: 102 million*Completed acquisition in January 2016Santa Barbara1033 Anacapa St.Santa Barbara, CA 93101Opened in July 2006Deposits: 687 million*20182019 8.5 MillionCommon StockOfferingCompleted March 20192021 1 Billion Assets 1,083,442,000March 31, 2021 Call ReportAssets: 177 million**MontecitoSan Luis Obispo525 San Ysidro Rd.Montecito, CA 93108Opened in April 20131085 Higuera St.San Luis Obispo, CA 93401Opened in May 2019Deposits: 82 million*Deposits: 125 million*Paso Robles1601 Spring St.Paso Robles, CA 93446Opened in February 2018Deposits: 200 million*

Executive/TitleJoined2008Mr. DeVine was appointed President and Chief Executive Officer of the Bank onAugust 21, 2008. Mr. DeVine previously was employed as Statewide DivisionManager of commercial real estate by Rabobank, N.A. Prior to that, he wasRegional President for the Greater Santa Barbara and Santa Ynez Valley Region ofMid-State Bank & Trust. He has held senior officer positions in a range of bankingfirms, serving roles in commercial, real estate, private and investment bankingduring his 20 year career. He graduated with honors from the Pacific CoastBanking School at the University of Washington and received his Bachelors ofScience from the University of California, San Diego in Quantitative Economics.2016Ms. Funari was appointed Executive Vice President and Chief Operating Officerof the Bank on January 1, 2016. Ms. Funari was previously employed as ExecutiveVice President and Chief Operating Officer and served as a Director for The Bankof Santa Barbara. Prior to joining The Bank of Santa Barbara, she served asExecutive Vice President and Santa Barbara and Ventura Counties MarketPresident for Business First National Bank. She was also a founder and presidentof Business First Bank and held senior officer positions at Santa Barbara Bank &Trust, City Commerce Bank and Bank of New York. Her education includes agraduate degree with honors from the Pacific Coast Banking School at theUniversity of Washington and University of California, Los Angeles.2006Ms. Martinich was appointed Senior Vice President and Chief Financial Officer ofthe Bank on April 20, 2006 and currently serves as the Executive Vice Presidentand Chief Financial Officer. Ms. Martinich previously was employed by PacificCapital Bancorp (PCB), dba Santa Barbara Bank & Trust. Ms. Martinich’s financialand banking experience spans 20 years, first as an external auditor with ArthurAndersen and then with responsibility for various functions in the FinanceDepartment of PCB, reporting directly to the CFO. She graduated from UC SantaBarbara with a Bachelors of Arts in Business Economics.Jeff DeVinePresident TitleJoinedBiography2009Mr. Cordova was appointed Senior Vice President and Chief Credit Officer of the Bankon July 20, 2016 and currently serves as the Executive Vice President and Chief CreditOfficer. Mr. Cordova joined the Bank in 2009 and was serving as the Commercial TeamLeader prior to his appointment as CCO. Prior to working at American Riviera Bank, Mr.Cordova was a Vice President, Commercial Banking Officer for Mid-State Bank andTrust. Mr. Cordova graduated with a Bachelor of Science Degree in Business and minorin Economics from CSU Channel Islands. He is a graduate of Pacific Coast BankingSchool at the University of Washington.2019Ms. Sykes was appointed Executive Vice President and Chief Compliance and RiskOfficer of the Bank on June 13, 2019. She holds the designation of Certified RegulatoryCompliance Manager, and has specialized in regulatory compliance and risk managementfor the last 22 of her 28 years in the banking industry. Laurel launched her banking careerin 1991 working for Wells Fargo. She joined Santa Barbara Bank & Trust in 1995 andmoved into the bank’s consumer compliance function in 1997. Sykes worked for 14 yearsat Santa Barbara Bank & Trust where she rose to the position of Director of RegulatoryAffairs before accepting a positon in 2009 with Montecito Bank & Trust as SVP, ChiefRisk Officer. Ms. Sykes graduated with a degree in Business Economics at the Universityof California at Santa Barbara.2019Paul Abramson is the Executive Vice President, Chief Technology Officer for AmericanRiviera Bank. He is leading our bank in technology and cyber security strategy. Mr.Abramson comes to us with over 20 years of experience in the Technology andCybersecurity industries, of which 13 years has been in banking. He previously served asthe lead technologist and cybersecurity architect for Montecito Bank & Trust, and beforethat worked for a network security solutions provider designing and implementing threatmanagement deployments for large enterprises. He graduated from UC Santa Barbarawith a BA in Business Economics, and recently completed the Western BankersAssociation Executive Development Program.EusebioCordova, Jr.Chief CreditOfficerLaurel SykesChief RiskOfficerPaulAbramsonChiefTechnologyOfficer

1,000 800 726 17.4% loan growth (excluding SBA PPP) over the last 12months 578 600 508 356 400 200 793 94 108 128201020112012 142 165 414 212 Loan-to-deposit ratio of 66.0%2015 Originated 118 million in PPP loans in 2020, and 68million in 2021. 40 million remaining at December 31, 2021 20132014 9.3% loan growth (including SBA PPP) over the last 12months201620172018201920202021 1,400 1,202 1,200 1,000 872 800 621 600 392 400 200 114 142 153 195 219 109201020112012201320142015 449 513 201620172018201920202021 37.8% deposit growth over the last 12 months

Thriving local economy with meaningful job growth in tourism,professional services, and healthcare sectors Home to UC Santa Barbara, which ranks as the 6th best public universityin the United States and employs over 11,000 people(1)5 Year CAGR:7.2% 18.0 16.0 15.3 14.0 Santa Barbara’s population has grown 6.1% since 2010 and is expectedto grow 2.5% over the next five years(2) Median household incomes for the cities of Santa Barbara andMontecito are 87,316 and 149,864, which are 29% and 121% higherthan the national average, respectively(2) Major employers in Santa Barbara include: Lockheed Martin, Raytheon,Santa Barbara Education System, UC Santa Barbara, and the City ofSanta Barbara(3) 11.9 12.0 11.4 9.6 10.0 8.8 8.0 6.0 16.9 9.1 9.0 10.3 10.1 9.9 9.8 9.8 12.3 12.7 12.7

Diverse region characterized by agricultural and ranching operations, arobust wine industry, and small-to-mid sized businesses5 Year CAGR:7.9% 10.0 8.9 9.0 Home to nationally-ranked California Polytechnic State University, whichis comprised of approximately 21,000 students and employs over 3,000faculty and staff(1) San Luis Obispo’s population has grown 4.5% since 2010 and isexpected to grow 2.0% over the next five years(2) Median household income for San Luis Obispo is 80,312, which is 19%higher than the national average(2) 8.1 8.0 6.9 7.0 6.4 6.5 5.9 6.0 5.0 4.0 3.0 2.0 4.5 4.6 4.6 5.3 5.1 5.2 4.9 5.0 5.6 6.1

Deposit Market Share* in 2011RankIn-Mkt.TotalHQInstitution 123456789101112-Pacific Capital Bancorp (CA)Wells Fargo & Co. (CA)RabobankBank of America Corp. (NC)JPMorgan Chase & Co. (NY)Heritage Oaks Bancorp (CA)Montecito Bancorp (CA)Community West Bancshares (CA)PacWest Bancorp (CA)Northern Trust Corp. (IL)Santa Lucia Bancorp (CA)Mitsubishi UFJ Financial Group Inc.BNP Paribas SACitigroup Inc. (NY)American Perspective Bank (CA)Mission Community Bank (CA)U.S. Bancorp (MN)First Republic Bank (CA)FB Corp. (MO)Community Bank of Santa Maria (CA)First California Financial Group Inc. (CA)Coast Bancorp (CA)American Riviera Bank (CA)Founders Bancorp (CA)Bank of Santa Barbara (CA)Dickinson Financial Corp. II (MO)Total for All Institutions in MarketTotal Disruption (11 Companies)Deposit Market Share* in 2021RankNumber ofDeposits 4524269133151211178 2,359,513 2,348,306 2,275,210 2,048,021 1,018,115 803,164 797,789 383,879 258,068 234,053 228,089 211,057 208,041 202,064 196,507 190,774 182,945 174,517 144,619 135,688 125,885 124,105 106,717 103,294 86,995 1,919 12223241234- 44.4%946,704,593In-Mkt.Institution (State)Wells Fargo & Co. (CA)JPMorgan Chase & Co. (NY)Bank of America Corp. (NC)Mechanics Bank (TX)U.S. Bancorp (MN)Pacific Premier Bancorp Inc. (CA)Montecito Bancorp (CA)American Riviera Bank (CA)Community West Bancshares (CA)PacWest Bancorp (CA)First Republic Bank (CA)Community Bancorp of Santa Maria (CA)BNP Paribas SASierra Bancorp (CA)Northern Trust Corp. (IL)Heartland Financial USA Inc. (IA)FB Corp. (MO)1st Capital Bancorp (CA)Umpqua Holdings Corp. (OR)Palomar Enterprises LLC (CA)Banc of California Inc. (CA)Murphy Bank (CA)CVB Financial Corp. (CA)Mission Bancorp (CA)Total for All Institutions in MarketNumber ofDeposits 31111111154 4,372,474 3,704,088 3,597,409 2,958,570 2,835,675 2,100,197 1,715,921 1,051,473 656,629 583,057 536,986 339,464 260,552 244,375 237,808 184,989 179,156 84,298 56,543 48,467 47,199 32,324 21,106 8,704 .1%0.1%0.0%

American Riviera is the second largest bank headquartered in the CentralCoast of California as ranked by total assets* No banks headquartered in San Luis Obispo CountyBanks Headquartered in the Central Coast of CaliforniaAssetsCompanyCountyMontecito Bank & TrustSanta BarbaraAmerican Riviera BankSanta BarbaraCommunity West Bank, N.A.Santa Barbara1st Capital BancorpMontereyPacific Valley BancorpMontereyCommunity Bank of Santa MariaSanta BarbaraMonterey County BankMonterey Headquartered in Santa Barbara County( MM) 2,3511,3071,157999499415234Central CoastBank HQ’sARBV HQSanta Barbara County4 Banks

EarningsPerformance 1.04% ROA and 13.02 % ROE with record net income of 11.8 million for 2021, compared to 7.4 million for 2020, an increase of 60%. Earnings per share of 2.30 for 2021, compared to 1.31 for 2020, an increase of 59% Net interest margin of 3.58% for 2021, compared to 3.97% for 2020 Efficiency ratio of 61% for 2021, compared to 65% for 2020. Efficiency ratio has benefitted from increased scale from expansion into SLO County. Total deposits of over 1.2 billion, an increase of 330 million or 38%, from December 31, 2020Deposits 58% of deposits are transaction and 39% are non-interest bearing Cost of deposits of 0.09% for 2021, compared to 0.26% for 2020 Gross loans of 753 million, excluding 40 million in PPP loans, an increase of 112 million, or 17%, from December 31, 2020Loans Loan-to-deposit ratio of 66%, and 63% excluding PPP loans Yield on loans of 4.79% in Q4 2021, compared to 5.07% in Q3 2021, 4.92% in Q2 2021 excluding a non-recurring 751,000 interest recovery, 4.76% for Q1 2021, and 5.04%for Q4 2020Credit QualityCapital Nonperforming assets of 2.9 million, or 0.22% of total assets, as of December 31, 2021 Loan loss reserve of 9.4 million, which represents 1.18% of gross loans and 1.25% of gross loans excluding PPP loans Tangible common equity ratio of 7.06%, leverage ratio of 7.23%, and risk-based capital ratio of 12.16% at December 31, 2021 8.5 million Common Stock offering completed in March 2019 at market price of 18 per share

Non-OwnerOcc. CRE39.6%Multifamily7.7%1-4 Family15.9%Construction3.8% es14.7%NOW15.1%C&I16.5%CDs2.0%Farm & Ag.1.5%Savings0.4%Consumer &Other0.1%MMDA43.3%Other Assets3.0% Loans, Net ofReserves57.0%Cash22.4%PPP Loans3.1%