American River Bank

1545 River Park Drive
Sacramento, CA 95815

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 24655
Date Established 1983
Assets $0.64 billion
Loans $0.32 billion
Deposits $0.54 billion
Capital $0.08 billion

American River Bank is an FDIC insured institution located in Sacramento, CA. It was founded in 1983 and has approximately $0.64 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, American River Bank’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.90
Multifamily
Mortgages
22.47
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 14.74
Construction and Development Loans 3.12
Commercial Real Estate 60.20
Commercial and Industrial Loans 6.62
Farm Loans 0.03

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
03MCD10K
0.36% $2,500 $49,999 Learn MoreShow Less
03MCD100K
0.38% $50,000 $249,999 Learn MoreShow Less
06MCD10K
0.41% $2,500 $49,999 Learn MoreShow Less
06MCD100K
0.43% $50,000 $249,999 Learn MoreShow Less
Savings Rates APY MIN MAX
SAV2.5K
0.01% $1 $24,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
FIXIRA0K
0.52% $2,500 $49,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.02% $1 $9,999 Learn MoreShow Less
MM25K
0.02% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $2,500 $9,999 Learn MoreShow Less

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to American River Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

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.

Your Location:
Ashburn,Virginia


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 BestCashCow.com 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
1.57% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, American River Bank had $12,000 in non-current loans and $1,348,000 in owned real estate. To cover these potential losses it had $81,810,000 in equity and $4,881,000 in loans loss reserves. That gives it a Texas Ratio of 1.57%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
American River Bank U.S. Bank Average
6.36% 8.58

American River Bank has a Return on Equity of 6.36% versus the BestCashCow average of 8.58. 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.

Capitalization
American River Bank U.S. Bank Average
12.75% 12.11

American River Bank has a Capitalization of 12.75% versus the BestCashCow average of 12.11. 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 June 30, 2017, American River Bank had assets of $641,759,000, loans of $316,170,000, and deposits of $538,141,000. 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.

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?

Yes

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?

What time does American River Bank close?

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?

Products

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?

Will American River Bank redeem a savings bond?

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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