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Investor Presentaiton

HISTORY OF THE BANK 2006 2010 2012 2014 2016 2018 2019 AMERICAN RIVIERA BANK Jeff DeVine joins American Riviera as President & CEO August 21, 2008 Goleta 5880 Calle Real Goleta, CA 93117 Opened in January 2013 Acquired through merger with BSB Deposits: $85 million* THE BANK of Santa Barbara Acquired The Bank of Santa Barbara ("BSB") Assets: $177 million** Completed acquisition in January 2016 San Luis Obispo 1085 Higuera St. San Luis Obispo, CA 93401 Opened in May 2019 Deposits: $99 million* $8.5 Million Common Stock Offering Completed March 2019 1033 Santa Barbara 1033 Anacapa St. Santa Barbara, CA 93101 Opened in July 2006 Deposits: $563 million* *Unaudited company information as of 3/31/2021. Deposits do not include brokered deposits **BSB call report for the quarter ended 12/31/2015, which is the quarter-end prior to acquisition Montecito 525 San Ysidro Rd. Montecito, CA 93108 Opened in April 2013 Deposits: $69 million* Paso Robles 1601 Spring St. Paso Robles, CA 93446 Opened in February 2018 Deposits: $162 million* 3 3
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