David E. Ritchie, Jr.

President

Chief Executive Officer

Giving Business More Reach

Mitchell A. Derenzo

Executive Vice President

Chief Financial Officer

Dan McGregor

Executive Vice President

Chief Credit Officer

NASDAQ: AMRB

AmericanRiverBank.com

Certain statements contained herein are forward-looking statements within the meaning of Section

27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 and subject

to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, that involve risks

and uncertainties. Actual results may differ materially from the results in these forward-looking

statements. Factors that might cause such a difference include, among other matters, changes in

interest rates, economic conditions, governmental regulation and legislation, credit quality, and

competition affecting the Company’s businesses generally; the risk of natural disasters and future

catastrophic events including terrorist related incidents; and other factors discussed in the Company’s

Annual Report on Form 10-K for the year ended December 31, 2018, and in subsequent reports filed on

Form 10-Q and Form 8-K. The Company does not undertake any obligation to publicly update or

revise any of these forward-looking statements, whether to reflect new information, future events or

otherwise, except as required by law.

Forward-Looking Statements

2AmericanRiverBank.com

NASDAQ: AMRB

*FDIC market share data for Amador, Placer, Sacramento and Sonoma Counties as of June 30, 2018

Diverse and Large Market

$62 Billion in Deposit Potential*

3

Strategic Direction

ORGANIC GROWTH

IN CURRENT MARKETS

Low-cost core deposits

Robust Sales Culture

Extraordinary Client

Experience*

BUSINESS BANKING

NICHES

Small business $1MM – $50MM

Building Trades

Wholesalers/ Manufacturers

Professionals

Property Managers

RELATIONSHIP

BANKING

Focus on the business, its

owners, their families and

their employees

Provide 360 degree banking

needs for each relationship

4

*Client Satisfaction Score: 98.32% and Net Promoter Score: 83Annual data as of December 2018

Experienced Leadership Foundation for Future Growth

5

Name Title Years At AMRB

Years In Industry

David Ritchie President & CEO 1 37

Mitchell Derenzo EVP & CFO 26 31

Kevin Bender EVP & COO 32 35

Dennis Raymond EVP & CLO 1 31

Dan McGregor EVP & CCO <1 35

Lisa Cisneros EVP, Retail Banking Manager 8 25

Net Income Breakdown

(Dollars in thousands) 2014 2015 2016 2017 2018

Net interest income

$18,797 $ 20,007 $ 20,243 $19,353 $20,646

Provision for loan or lease losses

(541) 0 (1,344) 450 175

Noninterest income

2,177 2,015 2,045 1,596 1,513

Noninterest expense

14,862 14,080 13,836 14,049 15,510

Income before income taxes

6,653 7,942 9,796 6,450 6,474

Provision for income taxes

2,292 2,674 3,392 3,252 1,574

Net income

$ 4,361 $ 5,268 $ 6,404 $3,198 $4,900

Earnings Per Share

$ 0.54 $ 0.70 $ 0.95 $0.50 $0.83

6AmericanRiverBank.comNASDAQ: AMRB

Gross Loans and Deposits

7AmericanRiverBank.comNASDAQ: AMRB

-

100,000,000

200,000,000

300,000,000

400,000,000

500,000,000

600,000,000

2014 2015 2016 2017 2018

252,358,000

294,077,000

328,908,000 313,191,000

322,908,000

510,693,000 530,690,000 544,806,000 556,080,000

590,674,000

Gross Loans Deposits

Total Deposit Mix Average Account Balances

Noninterest checking: $35,000

Interest checking: $34,000

Money market: $190,000

As of December 31, 2018

Success is in the Deposit Mix

Noninterest-

Bearing

36%

Interest

Checking

12%

Money Market

25%

Savings

12%

Time

15%

Business

73%

Personal

27%

8

Cost of Deposits 0.23%

Of Noninterest

Bearing,

Money Market

and Interest

Checking

AmericanRiverBank.comNASDAQ: AMRB

As of December 31, 2018

Loan Portfolio

Commercial 9%

Owner-Occupied

CRE23%

Investor CRE 39%

Multi-Family

RE17%

Construction/Land2%

Residential RE 5%

Other 5%

9

Yield on Loans 4.72%

AmericanRiverBank.comNASDAQ: AMRB

Asset Quality

10AmericanRiverBank.comNASDAQ: AMRB

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

-

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000

2013 2014 2015 2016 2017 2018

Tho

usa

nd

s

Non Performing Assets ALL

Strong Capital Position $75 million in Shareholder’s Equity

Tangible Book Value of $9.97 per share at December 31, 2018

2013 Stock Repurchase Program: 9% of outstanding shares (849,404 shares) at an average price of $8.24

2014 Stock Repurchase Program: 5% of outstanding shares (424,462 shares) at an average price of $9.77

2015 Stock Repurchase Program: 10% of outstanding shares (790,989 shares) at an average price of $9.92

2016 Stock Repurchase Program : 10% of outstanding shares (716,897 shares) at an average price of $10.34

2017 Stock Repurchase Program : 9% of outstanding shares (574,748 shares) at an average price of $14.99

2018 Stock Repurchase Program: 5% of outstanding shares (306,618 shares) at an average price of $15.52

Cash Dividends of $0.20 per share in both 2017 & 2018

Capital Ratios

11

11.88% 11.60%10.97% 10.50%

9.45% 8.94%

23.20% 22.85%

20.59% 20.27%19.34%

17.29%

2013 2014 2015 2016 2017 2018

Leverage Ratio Total Risk-Based Capital Ratio

AmericanRiverBank.comNASDAQ: AMRB

The AMRB Difference

Business Banking Niches

Relationship Banking

Strong Core Deposit Base

Proven Track Record of

Efficiency & Bottom Line Focus

Organic Growth

Opportunities

Strategic Growth

Opportunities

12AmericanRiverBank.com

NASDAQ: AMRB

13

Questions

AmericanRiverBank.comNASDAQ: AMRB