Exhibit 99.1

JOINT FILING AGREEMENT

In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Schedule 13D (including any and all amendments thereto) with respect to the common stock, no par value, of American Riviera Bancorp and further agree that this Joint Filing Agreement shall be included as an Exhibit to such joint filing(s).

The undersigned further agree that each party hereto is responsible for the timely filing of such Schedule 13D and any amendments thereto, and for the accuracy and completeness of the information concerning such party contained therein; provided, however, that no party is responsible for the accuracy or completeness of the information concerning any other party, unless such party knows or has reason to believe that such information is inaccurate.

This Joint Filing Agreement may be signed in counterparts with the same effect as if the signature on each counterpart were upon the same instrument.

IN WITNESS WHEREOF, the undersigned have executed this Joint Filing Agreement as of February 23, 2026.

PL CAPITAL ADVISORS, LLC

By: /s/ John W. Palmer /s/ Richard J. Lashley

John W. Palmer Richard J. Lashley

Managing Member Managing Member

By: /s/ Martin P. Alwin

Martin P. Alwin

By: /s/ John W. Palmer

John W. Palmer

By: /s/ Richard J. Lashley

Richard J. Lashley

BLACK MAPLE CAPITAL MANAGEMENT LP

By: Black Maple Capital Holdings LLC as General Partner

By: /s/ Robert Barnard

Robert Barnard

Managing Member

BLACK MAPLE CAPITAL HOLDINGS LLC

By: /s/ Robert Barnard

Robert Barnard

Managing Member

By: /s/ Robert Barnard

Robert Barnard

American Riviera Bancorp SCHEDULE 13D/A