American River Bankshares is a bank holding company. The Company owns 100% of its banking subsidiary, American River Bank, and American River Financial. American River Bank’s deposits are insured by the Federal Deposit Insurance Corporation (FDIC). American River Bank’s primary business is serving the commercial banking needs of small to mid-sized businesses. American River Bank accepts checking and savings deposits, offers money market deposit accounts and certificates of deposit, makes secured and unsecured commercial, secured real estate, and other installment and term loans and offers other customary banking services. American River Bank also conducts lease financing for most types of business equipment, from computer software to heavy earth-moving equipment. The Company generates most of its revenue by providing a range of products and services to small and middle-market businesses and individuals.