American River Bankshares is a bank holding company, which operates through its banking subsidiary, American River Bank. The Bank's primary business is serving the commercial banking needs of small to mid-sized businesses. It also accepts checking and savings deposits; offers money market deposit accounts and certificates of deposit; makes secured and unsecured commercial loans, secured real estate loans, and other installment and term loans, and offers other customary banking services. The Bank also conducts lease financing for various types of business equipment, from computer software to heavy earth-moving equipment.