Investor Presentaiton

Transaction Overview Transaction Overview Fixed Exchange Ratio Consideration Mix Pro Forma Ownership Board of Directors Due Diligence Required Approvals Expected Closing Transaction Valuation 0.575 BMRC shares issued for each AMRB common share outstanding 100% Stock • 79.5% BMRC | 20.5% AMRB • 2 AMRB Board members to join BMRC Board of Directors Completed, including extensive loan and compliance review BMRC and AMRB shareholder approvals, and other customary regulatory approvals Q3 2021 Transaction Metrics Transaction Value(1)(2) $134.5 million 2022 EPS Accretion 12.9% Per Share Purchase Price(1) $22.46 2022 EPS Accretion (fully phased in cost savings) 14.2% Price / Tangible Book Value 1.75x TBV Dilution | Earnback 3.9% | 3.5 yrs Price / LTM Earnings(3) 15.9x Internal Rate of Return >15% Price/ 2022 Earnings 17.1x TCE / TA Ratio 10.8% 7.9% Total Capital Ratio 17.3% American River (1) Bankshares (2) Based on BMRC's stock price of $39.06 as of 4/16/2021. Includes consideration paid for AMRB shares and the value of AMRB options paid out in cash by BMRC. (3) For the period ended 3/31/2021. (4) Core deposits equal to total deposits less time deposits greater than $100,000. Core Deposit Premium(4) Bank of Marin Bancorp 00

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