Investor Presentaiton

OVERVIEW OF AMERICAN RIVIERA BANK Headquarters Ticker/Exchange Market Cap. Outstanding Shares Client Focus Geography Year Established Branches Company Overview Santa Barbara, CA Inter gett ARBV/OTCPK $ 97 MM 5,127,895 Small Businesses and Individuals Central Coast California 2006 5 Branch Footprint Camp Roberts Cambria Los Osos Paso Robles Atascadero San Luis Obispo Highway 4 Arroyo Grande Guadalupe Santa Maria Vandenberg Delano Wasco Shafter Naval Petroleum Reserve No. 1 Taft Air Force Base Lompoc Santa Ynez Goleta Santa Barbara Los Padres National Fores Se Co Sanc Ventura Oxnar The Financial Overview Total Assets $1,083 MM ROAA 1.07% Gross Loans $ 781 MM ROAE 12.34% TCE Ratio 7.59% Efficiency Ratio 59.1% ARBV Branch RBC Ratio 12.55% NIM 3.78% Source: Unaudited company information, as of 3/31/2021. Market data from S&P Global Market Intelligence, as of 4/26/2021 Note: All dollars in millions 2

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