AMERICAN RIVER BANKSHARES: directors' dealings · United States · SEC (Form 4)

About AMERICAN RIVER BANKSHARES

American River Bankshares (ticker: AMRB) was a U.S.-based bank holding company historically listed on the NASDAQ market in the United States. For French-speaking investors, it is best understood as a regional community-bank franchise focused on commercial banking, local deposit gathering, and relationship-based lending rather than a diversified national financial group. The company was established in California in the early 1980s and built its business around the Sacramento area, later extending into other Northern California markets. Available market sources indicate that its branch footprint covered communities in Sacramento, Amador, Sonoma, and Placer counties, underscoring its position as a locally anchored institution. ([nasdaq.com](https://www.nasdaq.com/press-release/bank-of-marin-bancorp-and-american-river-bankshares-announce-the-signing-of-a-merger?utm_source=openai)) Its core operating model ran through its banking subsidiary, American River Bank, which served small and mid-sized businesses, professionals, and households. The product set was typical of a well-positioned community bank: checking and savings accounts, deposits, commercial loans, commercial real estate lending, equipment finance, credit facilities, treasury management, and payment-related services. This mix supported a classic relationship-banking strategy, where client retention, local decision-making, and proximity to borrowers are major competitive advantages. In competitive terms, AMRB was not trying to win on scale; it aimed to compete through service quality, local knowledge, and responsiveness versus larger money-center and super-regional banks. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001108236/000101905621000251/ex99_1.htm?utm_source=openai)) A key recent corporate event was the merger with Bank of Marin Bancorp. The transaction was announced in April 2021 and completed in August 2021, after which AMRB ceased to exist as an independent publicly traded company. Under the deal, AMRB shares were converted into Bank of Marin shares, and the company was integrated into the acquirer’s platform. That makes AMRB primarily relevant today as a legacy ticker for historical analysis, SEC record review, and insider-filing research rather than as an ongoing standalone equity story. ([nasdaq.com](https://www.nasdaq.com/press-release/bank-of-marin-bancorp-and-american-river-bankshares-announce-the-signing-of-a-merger?utm_source=openai)) From an investor’s perspective, AMRB exemplifies the economics of a regional U.S. community bank: stable but geographically concentrated earnings drivers, exposure to local credit conditions, sensitivity to net interest margin dynamics, and strategic optionality in a consolidating sector. Its franchise value came from its Northern California footprint and its ability to serve local borrowers efficiently. While the ticker is no longer active as an independent listing, the company remains a useful case study in U.S. community-banking consolidation and the types of businesses that often appear in SEC Form 4 insider-transaction screens. ([nasdaq.com](https://www.nasdaq.com/press-release/bank-of-marin-bancorp-and-american-river-bankshares-announce-the-signing-of-a-merger?utm_source=openai))