Investor Presentaiton

恭 SCARCITY Value in thE CENTRAL COAST OF CALIFORNIA ✓ American Riviera is the second largest bank headquartered in the Central Coast of California as ranked by total assets* ✓ No banks headquartered in San Luis Obispo County Santa Cruz Watsonville Morgan Hill Gilroy Marina Salinas Monterey Los Banos Dos Palos Chowchilla Madera Sierra National For Auberry Hollister San Joaquin Mendota Fresno Sequoia National Forest Monterey County 3 Banks Greenfield King City Coalinga Stratford Corcoran Fort Hunter Liggett Military Reservation Avegal Tulare Delano Banks Headquartered in the Central Coast of California Company Montecito Bank & Trust American Riviera Bank Assets ($MM) Paso Robles Cambria Atascadero San Luis Obispo County No Local Banks County Los Dies San Luis Obispo Arroyo Grande Reserve No. 1 Comzo Plain National Monument Taft Guadalupe Santa Maria Santa Barbara Santa Barbara $ 2,096 Vandenberg $ 1,083 Central Coast Bank HQ's Lompoc Santa Ynez National For Santa Barbara County 4 Banks Community West Bank, N.A. Santa Barbara $ 1,018 ARBV HQ Barbara 1st Capital Bancorp Monterey $ 874 Pacific Valley Bank Monterey 467 Community Bank of Santa Maria Monterey County Bank Santa Barbara Monterey $ 358 GOLETA NORTH El Sueno $ 248 COROMAR * = Headquartered in Santa Barbara County Calle Real Santa Barbara Municipal Airport Goleta 217 Hope Ranch Isla Vista Marina Dr Cliff Dr Pass Rd Madox Ra Foothill Rd Mission State St AS POSITAS Canyon 192 N Milpas St Sycamore on R Monted 22 Santa Barbara 101 Source: S&P Global Market Intelligence as of 3/31/2021, ARBV unaudited company information as of 3/31/2021 Note: All dollars in millions *Central Coast of California is defined as the counties of Santa Barbara, San Luis Obispo, and Monterey MESA Shoreline Dr

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