American River Bank

1545 River Park Drive
Sacramento, CA 95815


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 24655
Date Established 1983
Assets $0.69 billion
Loans $0.30 billion
Deposits $0.60 billion
Capital $0.07 billion

American River Bank is an FDIC insured institution located in Sacramento, CA. It was founded in 1983 and has approximately $0.69 billion in assets. Customers can open an account at one of its 12 branches.

For a more detailed analysis of American River Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in American River Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Small Business Loans.

Compared to other banks in California, American River Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.42
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 14.60
Construction and Development Loans 2.10
Commercial Real Estate 60.90
Commercial and Industrial Loans 4.40
Farm Loans 0.03

Deposit Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

0.69% $2,500 $49,999 Learn MoreShow Less
0.71% $50,000 $249,999 Learn MoreShow Less
0.80% $2,500 $49,999 Learn MoreShow Less
0.82% $50,000 $249,999 Learn MoreShow Less
Savings Rates APY MIN MAX
1.03% $2,500 $49,999 Learn MoreShow Less
MM 2.5K
0.02% $1 $9,999 Learn MoreShow Less
MM 10K
0.02% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.01% $2,500 $9,999 Learn MoreShow Less

Loan Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American River Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to American River Bank
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American River Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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American River Bank Locations

Financial Details

American River Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American River Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American River Bank U.S. Bank Average
3.7% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, American River Bank had $1,855,000 in non-current loans and $961,000 in owned real estate. To cover these potential losses it had $71,690,000 in equity and $4,488,000 in loans loss reserves. That gives it a Texas Ratio of 3.7%.

Return on Equity
American River Bank U.S. Bank Average
7.98% 9.35%

American River Bank has a Return on Equity of 7.98% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American River Bank U.S. Bank Average
10.32% 12.01%

American River Bank has a Capitalization of 10.32% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American River Bank Balance Sheet Analysis

As of March 31, 2018, American River Bank had assets of $694,789,000, loans of $299,066,000, and deposits of $600,535,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.29 billion
Federal funds sold and reverse repurchase $0.04 billion
Net loans and leases $0.30 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.03 billion
     Total Assets $0.62 billion
Total deposits $0.60 billion
      Interest-bearing deposits $0.39 billion
      Deposits held in domestic offices $0.60 billion
      % insured (estimated) 64.08%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.62 billion
      Shareholders’ Equity $0.07 billion

Summary Income Statement

Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About American River Bank

Branches and Savings

Is American River Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24655.

Why does American River Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American River Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American River Bank a commercial bank?


Where are American River Bank locations?

See branch locations nearby.

Is American River Bank open on Saturdays?

Is American River Bank open on Sundays?

What time does American River Bank open?

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Are American River Bank ATMs Open 24/7?

Do American River Bank ATMs accept cash deposits?

Can American River Bank customers use other ATMs?

Do American River Bank branches have notaries?

Will American River Bank notarize my document?

What address for American River Bank should I put for incoming ACH transfers?

Will the American River Bank branch print checks?

Do American River Bank checks expire?

Does American River Bank require US citizenship to open account?

Can American River Bank close my account?

Does American River Bank Report to credit bureaus?

Does American River Bank Use Equifax?

What is American River Bank's ACH Routing Number?

What is American River Bank's SWIFT code?


Does American River Bank offer mortgages?

Compare mortgage rates here.

Does American River Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American River Bank offer personal loans?

Compare personal loan rates here.

Does American River Bank offer student loans?

Will American River Bank cash a check?

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Does American River Bank cash savings bonds?

Will American River Bank cash money orders?

Can American River Bank issue a money order?

Does American River Bank do currency exchange?

Background on The Bank

Who owns American River Bank?

How long has American River Bank been around?

Can American River Bank transfer to other banks?

Does American River Bank have quick pay?

Does American River Bank accept rolled coins?

Will American River Bank accept loose change?

Where is American River Bank headquarters?

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