American River Bankshares is the parent company of American River Bank , a community bank with offices in Sacramento and Placer Counties, that operates a family of financial service providers, including North Coast Bank in Sonoma County and first source capital, a lease financing company in Sacramento. The Banks accept checking and savings deposits, offer money market deposit accounts and certificates of deposit, make secured and unsecured commercial and residential loans, and other installment and term loans, and offer other customary banking services.