American River Bankshares is a bank holding company. As of December 31, 2012, American River Bank operated four full service offices in Sacramento and Placer Counties, including the main office located at Sacramento and branch offices in Sacramento, Fair Oaks, and Roseville. As of December 31, 2012, American River Bank also operated two full service offices in Sonoma County in Healdsburg and Santa Rosa, operated under the name North Coast Bank, a division of American River Bank. Bank of Amador operates three full service banking offices in Amador County in Jackson, Pioneer, and Ione, operating as Bank of Amador, a division of American River Bank. The Company owns 100% of its banking subsidiary, American River Bank, and American River Financial, a California corporation which has been inactive.