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Investor Presentaiton

American River Bankshares (NASDAQ: AMRB) Overview Branch Locations Kelseyville Clearlake Meadow Vista Lincoln BO Auburn Financial Highlights as of 3/31/2021 Balance Sheet ($mm) 101 Cloverdale Rocklin Total Assets Total Loans Eldorado Natio Ros Pollock Pines Placerville Geyserville Woodland North Highlands Citrus Folsom Total Deposits Height He 113 Tangible Common Equity EA $ 916.1 475.4 788.6 76.6 Angwin Windsor Davis Florin Profitability/Rates for the Quarter Ended 3/31/2021 (%) Sar Dixon Elk Grove Net Income ($000s) 2,647 Rohnert Park Vacaville Return on Average Assets 1.21 Napa Fairfield Galt AMRB (10) AMRB HQ Vallejo Lodi San Andreas Return on Average Tangible Common Equity 14.00 Net Interest Margin 3.58 Murphys Angels Camp Efficiency Ratio (FTE) 52.3 Martinez Pittsburg-Antioch Company Highlights • . . • Headquarters: Rancho Cordova, CA Strong NorCal presence: 10 full-service branches providing business banking services in Sacramento, Amador, Sonoma, and Placer counties Organic Growth in Current Markets: Low cost of core deposits, robust sales culture, and an extraordinary client experience Lending Expertise: Commercial real estate, small business ($1-$50mm), wholesalers/manufacturers, professionals, and property managers Relationship Banking: Customized financial services for businesses, business owners, their families and employees TCE / TA Leverage Ratio Tier 1 Risk-based Capital Ratio Total Risk-based Capital Ratio Asset Quality (%) Nonperforming Loans / Total Loans Net (Recoveries) Chargeoffs / Average Loans Allowance for Loans Losses / Total Loans (Excluding PPP Loans) Twain Yield on Total Loans 4.92 Cost of Total Deposits 0.09 Balance Sheet Ratios / Capital (%) Total Loans/Deposits 60.3 8.51 8.46 15.47 16.72 0.00 (0.06) 1.60 Market information as of 4/16/21 Deposit Market Share by County Stock Price ($) County Sacramento County Population (actual) County Active Deposit Median HHI Branches Rank ($actual) Market Market Cap ($mm) (¹) (#) (#) Deposits ($mm) Share Price / Tangible Book Value per Share (x) (1) (%) Price / 2022 EPS (x)(2) 1,564,478 $74,806 4 12 $437.3 1.05% Amador 39,554 $66,656 3 3 $133.7 16.45 Dividend Yield (%) Sonoma Placer 492,770 402,773 $90,481 2 14 $103.5 0.63 $95,803 1 21 $67.2 0.55 Bank of Marin Bancorp Source: Company documents, S&P Global, FactSet, and FDIC Summary of Deposits. Note: Deposit market share data as of 6/30/2020. Excludes non-retail deposits. Based on common shares outstanding of 5,962,466 as of 3/31/2021. Consensus estimates per FactSet. American River Bankshares (1) (2) $ 16.35 $ 97.5 1.27x 12.5x 1.71
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