Investor Presentaiton
MARKET DISRUPTION SINCE 2007
15 banks with $8.7B of deposits in ARBV's footprint have been acquired or failed since 2007, including 10 banks which were locally headquartered*
Deposit Market Share* in 2007
Deposit Market Share* in 2020
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Rank
In-Mkt.
Total
HQ
Institution (State)
1
-
Pacific Capital Bancorp (CA)
Rabobank
Bank of America Corp. (NC)
Rank
Washington Mutual Inc. (WA)
Wells Fargo & Co. (CA)
Wachovia Corp. (NC)
23451
Montecito Bancorp (CA)
Harrington West Financial Group Inc. (CA)
Heritage Oaks Bancorp (CA)
Community West Bancshares (CA)
BNP Paribas SA
-
Downey Financial Corp. (CA)
6
Santa Lucia Bancorp (CA)
7
San Luis Trust Bank FSB (CA)
FB Corp. (MO)
MUFG Americas Holdings Corp. (NY)
8
Coast Bancorp (CA)
3251526824284-355
Number of
Branches
$
Deposits in
Market
Share
2,457,008 18.0%
Market
Total
In-Mkt.
HQ
Institution (State)
Number of
Branches
Deposits in
Market
1
Wells Fargo & Co. (CA)
19
$
Market
Share
4,403,434 18.8%
SSS
$
S S
$ 1,749,886 12.8%
$ 1,676,417 12.3%
$ 1,507,264 11.0%
8.6%
$ 1,172,800
777,940 5.7%
$ 563,761 4.1%
$ 507,526 3.7%
$
490,139
3.6%
$ 350,785 2.6%
$
$
$
SSSSA
261,222
233,972
1.9%
1.7%
$ 215,544 1.6%
183,202
1.3%
$
172,793
1.3%
مین من
166,978
1.2%
$
166,194 1.2%
First Republic Bank (CA)
1
$
162,217
1.2%
-
Citigroup Inc. (NY)
4
$
161,081
1.2%
9
Business First National Bank (CA)
2
$
134,204
1.0%
-
Northern Trust Corp. (IL)
10
Mission Community Bancorp (CA)
24
$
120,462
0.9%
4
$
118,298 0.9%
11
Community Bank of Santa Maria (CA)
3
$
109,511
0.8%
-
Signature Group Holdings Inc. (OH)
1
$
66,206
0.5%
234567
BRUTS15678222222
Bank of America Corporation (NC)
10
$ 3,207,875 13.7%
-
JPMorgan Chase & Co. (NY)
18
$ 2,963,010 12.6%
Mechanics Bank (CA)
26
$ 2,812,646 12.0%
Mitsubishi UFJ Financial
15
$ 2,381,713 10.2%
Pacific Premier Bancorp (CA)
11
$ 2,119,934 9.0%
1
Montecito Bancorp (CA)
11
$ 1,428,316 6.1%
2
American Riviera Bank (CA)
5
$
793,156
3.4%
9
3
Community West Bancshares (CA)
6
$
583,214 2.5%
10
-
PacWest Bancorp (CA)
7
$
550,454 2.3%
11
-
First Repub Bank (CA)
1
$
482,730
2.1%
4
Community Bncp of Santa Maria (CA)
2
$
290,492
1.2%
13
-
BNP Paribas
1
$
236,308 1.0%
14
-
Sierra Bancorp (CA)
7
$
214,194
0.9%
U.S. Bancorp (MN)
8
$
199,563 0.9%
Heartland Financial USA Inc. (IA)
4
$
185,119 0.8%
Northern Trust Corp. (IL)
1
$
181,991
0.8%
FB Corp. (MO)
3
$
161,252
0.7%
19
1st Capital Bancorp (CA)
1
$
53,279 0.2%
20
Banc of California Inc. (CA)
1
$
50,957
0.2%
Umpqua Holdings Corp. (OR)
1
$
50,863 0.2%
Palomar Enterprises LLC (CA)
1
$
33,873 0.1%
23
Murphy Bank (CA)
1
$
23,354 0.1%
24
CVB Financial Corp. (CA)
1
$
17,575
0.1%
12
Founders Community Bank (CA)
1
$
64,018
0.5%
Total for All Institutions in Market
161
$ 23,425,302
13
Bank of Santa Barbara (CA)
1
$
43,796
0.3%
14
American Riviera Bank (CA)
1
$
29,856 0.2%
-
Fireside Bank (CA)
1
$
3,513 0.0%
Dickinson Financial Corp. II (MO)
1
$
1,999 0.0%
Total for All Institutions in Market
181
$ 13,668,592
Total Disruption (15 Companies)
118
$ 8,652,504 63.3%
Source: S&P Global Market Intelligence, deposit data as of June 30 of respective years
Note: All dollars in thousands. Companies highlighted in tan color represent companies which have been acquired or failed
*Footprint includes Santa Barbara and San Luis Obispo Counties
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