Investor Presentaiton

Greater Sacramento Region Market Highlights American River Bank expands BMRC's presence into a growing Greater Sacramento Region • • The Greater Sacramento region has a population of ~2.6 million The population of Sacramento-Roseville-Folsom MSA is expected to grow 3.6% from 2021 to 2026, compared to 2.6% for the state of California and 2.9% nationwide Additionally, household income is expected to grow 13.0% from 2021 to 2026, compared to only 9.0% nationwide In the last year, the region has been ranked the top migration destination for people looking to relocate, driven in part by newly remote workers seeking a more affordable lifestyle while still accessible to everything Northern California has to offer Ample amount of available low-rise, campus-style office space for companies to open satellite offices to follow employees migrating into the region Increasingly attractive market for companies seeking educated, young professionals from a number of universities including UC Davis, Sacramento State University, and University of the Pacific Sacramento's Downtown and Midtown areas have been experiencing a renaissance and reinvigoration $6 billion invested in new development since the opening of the Golden 1 Center in 2016 New residential and hospitality projects are poised to transform Sacramento's urban core into a true live/work/play destination Bank of Marin Bancorp American Bankshares River Source: S&P Global, California Credit Union League, Bureau of Labor Statistics, Colliers International, and Greater Sacramento Economic Council. 5

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