American River Bankshares functions as a financial services holding company, headquartered in Rancho Cordova, California, with a workforce of 104 full-time employees. Its central banking subsidiary, American River Bank, is primarily dedicated to addressing the commercial banking requirements of small to medium-sized enterprises. The Bank provides a comprehensive suite of deposit products, including checking, savings, money market accounts, and certificates of deposit. Additionally, it furnishes a variety of loan facilities, such as secured and unsecured commercial credit, real estate-backed financing, and other installment and term loans, along with typical banking provisions. A key service offering is lease financing for a wide array of business equipment, ranging from software to large-scale construction machinery. The company extends its services to communities within Sacramento, Placer, Yolo, El Dorado, Sonoma, and Amador counties. Through loan production offices situated in San Jose and San Ramon, it also reaches Alameda, Contra Costa, and Santa Clara Counties. Its diverse loan portfolio encompasses real estate construction loans, lease financing receivables, agricultural loans, and consumer loans.