# AMERICAN RIVER BANK
SACRAMENTO, CA · FDIC certificate 24655 · asset band $300M-1B · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $906.8M | |
| Deposits | $788.3M | |
| Loans and leases | $434.1M | |
| Total equity | $95.3M | |
| Loans / deposits | 54.27% (p16 of band) | 72.09% |
| Liquid assets / assets | 47.46% (p81 of band) | |
| Uninsured deposits / deposits | 42.11% (p88 of band) | 25.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.52% (p42 of band) | |
| FHLB advances / assets | 1.52% | |
| Tier 1 leverage | 8.36% (p18 of band) | 9.70% |
| Unrealized securities loss / equity | 5.70% (p87 of band) | 1.16% |
| AOCI / equity | -2.45% (p18 of band) | |
| ROA (annualized) | 1.26% (p56 of band) | 1.18% |
| Net interest margin | 3.44% (p57 of band) | 3.34% |
| Efficiency ratio | 52.54% (p21 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.40% |
| Net charge-offs (annualized) | -0.02% (p17 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 22.87% (p35 of band) | |
| Auto loans | $28.5M (6.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 91 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-12-01 [Better Together for a Bright Future - Comstock's magazine](https://news.google.com/rss/articles/CBMidkFVX3lxTFBBQ2NYN2NMVE9FblRMd1hISmtCNDF5cV9DaUZwWU1penVHQjg5cUJOTk5xVnNlZTRIc3BOLUtUOGJjWXhiZFJwNjZZMmJOeUdleTV6VlE4WGhpNldpS0RzSHFaZFMwME9IUkt5X1dOaGU4ZWtIOGc?oc=5) · Comstock's magazine
- 2021-08-17 [Bank of Marin Bancorp Announces Completion of Acquisition of American River Bankshares - Ledger Dispatch](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQRzBzdzIwX1p2VjhmMmJrZGl1MVgxa05UYmJyaHN4cWZHOGJrY2JSeGE2UHpNemgxR2R2M2pwSVc2QmhZVXpiaGVmY1V4YUtjSVJTaU02OTBqN205UmJOUlQ5cFJKVXBZQ0lPa2NYY1Zmb2hNTEtLdndsRmVxNGMwaDNjcnBKZmtzU1ZJdVBSSVFuajZNWnU5X0FWS1B0clM1bG5xUWZNQVVIZWZHOXVkZjZkQ2JOTnBNLUFXcmFOamtqdU5TellUZmJudTZtQnZ3UDFrTF9NeXRjX3psRHhocVp0Vi1ZX013MlNUVTdVUXhjcEhmSjZLX3pn?oc=5) · Ledger Dispatch
- 2017-10-27 [American River Bank CEO steps down after 32 years - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPS0gxdm5GVGxNNERiTG5IMTh1ZU5MeDdKd1pvTnVPeFdVNlpZQXQzM00wMUpRMTFtbXp0TWFqN1dxanRzanpzWFZrOU1QdTJwUXpqazNfeWt1eHFRZnhKZGR4NTZMbjFfRDNyWnVCc0VRdk9Xd0VLOGp0VDlVYXJqUWZSLU5JNUpxT0d6YXpUMjQ5ZExQRU9UY3BTeWlfMmpjNzJvaXJGdlp1UUpDZ2c?oc=5) · The Business Journals
- 2021-06-24 [Another Sacramento bank acquired: Merchant Bank of Commerce joins Washington chain for $266M - Sacramento Bee](https://news.google.com/rss/articles/CBMiakFVX3lxTFBselZ3bjl5dTZqdE5EdWFIU2JNazdxclE5OHRCeHJyNHktWHdTeVJqTnBCb3BsRnFFOTNYT1NsczZRS1RMQTl0M0ZXM3RTbW9USmNELWlybG44MS1kZTdMalNwQVA2S2E1T2fSAWpBVV95cUxQVURLYmxwQ1JLMUpUVlZhTnVqWjJMTW5DZVBYaGJMLVJTS29ha21abklDaFZfQmRvVDdUSFJOeEF0OXVJbTN6cWVKVUlYTGdCWVRHeV9sUmtES2dlSHVHMG9MNGxfQ3VmakFR?oc=5) · Sacramento Bee
- 2022-08-15 [Exchange Bank Announces Stacey Powers, Vice President, Commercial Relationship Manager - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPaEFjbWtnTzJ2M295Q3pwS3B4SjAyQ0h4eXplTmp4QzRUWE9oSVZ6SExQazU3UHptamNvZDc4OWt3Y1NmRmtULXlSMk9EcEtfbGM5R1MzWW5Md0l4NGYyakZFdkQ3cHVvUExaWnFFZ3VFUFRXUGNWOWlFZlF0YlA1TXZ5Q1k0WU84ZzI0dE5wcC1SUWoyWFpvcFVEUDEyZ3VvcTduRnEtdHJGMktKYThrWGdxSVE4MWxEVDFXU0w3b0NIWVBwMlJQaUFVWk5WMjJUNXBscXVFbFo?oc=5) · Business Wire
- 2017-08-29 [American River Bank Helps Keep Small Business in the Family - Comstock's magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS1VGSmhJS0lsS1F0YXN5bl9WclVQd2h6eVk5a1VqcmVTaVlWS1hkamtYS1YzTU1oOGxPUzY2Y3h2UWlXTUZWdDVEd0QzdnNNYWRSMGF0cDcwb2F0VkZNUTVYdm1wdGxZNEFTNHVpdTlvbGQtcVo3UElNYXJmbWlLNXNHZXR2SF9TVExJclBldTlCS01i?oc=5) · Comstock's magazine
- 2017-12-08 [Khaki Bandit: FBI offers $20K for info leading to arrest, conviction of serial bank robber - ABC10](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOX2FmNUlLWDBmUk9VRXNXYXlIYzBZNVNFVHlhd3dKcVFfRHFBeFpxbjRaM3ZZMmdJcjlMNFpuNktiWGRCaVFoWlZJYngwek9PbEFIR3R5V1BLQ3QxZDRTb0l0bEdVdmc3X2o2dkZ3LTVFLTNBTE9QajB4YkkwUG9TRXo0c3hXdkFRYzROR3dReG0zdGhiWF85VlVXOGN5SHhrbXQ4eUttekNUU21GaHFHaVJjcVFSUElzVHM4YUdlWEZDUTJIMGtDSTBORUFrZ01tZXdiMi0wVG5IMnZ2ZV80SkE5ZFlSemVM?oc=5) · ABC10
- 2017-12-08 [FBI Releases More Details On ‘Khaki Bandit’ Bank Robber - myMotherLode.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQb2huZlRyRVZ6MnV5eENxT2lBTmZFb2ZRSUJrcjI3aU4tUE53Qy1jOVhIV3ZTLVExUVZ4S1V5SHJNelBUTF9zWmp0SXBqUWpzMUVkTWNLX2pXOFpjdVNfRGRXSWJuLWFqcmZWeVJSVVhiSGJwQ01vRDhVemVTMEJPUExhRGotNUw3NzM0MWc1SE9DOWtBekZkRlhzdWxXcVBZaUxz0gGoAUFVX3lxTE1pVFg2dFZqdjBGWE02WFN4bndSdVJaWkpqZEJwUG9yX18zUUtQQ0d3RVY5SG04Q3QzT05DdVJ2NXYwdnptRHZBNk9HdHpPb0JkclVMRnhWaHJhSVlOeHRXS3htTkw0OWlGRDJkZW1UU1ZuSWRjSHQ0eHlnN1dPSUc0YXd0ZVZVM1FNSDdEYXNycjgteHp6aEpUdEhOZ2k3dU9qaWRvWGhHYw?oc=5) · myMotherLode.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24655 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "24655", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide