Investor Presentaiton

Pro Forma Loan and Deposit Composition Bank of Marin Bancorp OO CRE 14% Res. RE 8% NOO CRE 40% American River Bankshares OO CRE 18% Multifamily 6% Farm + Agri. Res. RE 7% 1% C&I 17% C&D 4% Consumer & Other 10% Gross Loans (excl. PPP): $1,796,972 Yield on Loans: 3.96% DDA 54% Jumbo Time 1% Retail Time 3% Jumbo Time 6% Retail Time 4% MMDA & Sav. 41% NOO CRE 35% Pro Forma OO CRE 15% Multifamily 10% Res. RE 7% Farm + Agri. 1% C&I 17% C&D 4% Consumer & Other 8% Gross Loans (excl. PPP): $422,901 Yield on Loans: 4.76% DDA 44% NOW & Other 0.6% MMDA & Sav. 45% Total Deposits: $744,425 Cost of Deposits: 0.11% Loans / Deposits (excl. PPP): 56.8% Total Deposits: $2,509,670 Cost of Deposits: 0.07% Loans/Deposits (excl. PPP): 71.6% American River Bankshares Source: S&P Global. Financial data as of 12/31/2020. Note: Pro forma excludes purchase accounting adjustments. Bank of Marin Bancorp NOO CRE 39% Multifamily 7% Farm + Agri. 1% Consumer C&I 17% C&D 4% & Other 10% Gross Loans (excl. PPP): $2,219,873 Yield on Loans: 4.11% NOW & Other 1% Jumbo Time 2% Retail Time 3% 0 DDA 52% NOW & Other 1% MMDA & Sav. 42% Total Deposits: $3,254,095 Cost of Deposits: 0.08% Loans / Deposits (excl. PPP): 68.2% 10

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