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Plumas Bancorp is the holding company for Plumas Bank, a community bank serving northeastern California and northwestern Nevada. The bank takes deposits from local individuals, businesses and smaller municipal entities and uses them primarily to fund loans. Borrowers’ interest payments supply most of its revenue; interest on investment securities and fees for deposit and loan services contribute less. Its earnings depend mainly on the gap between the interest it collects and its funding costs.
Commercial real estate makes up most of the loan portfolio, and most loans are secured by property. The business therefore depends heavily on local economic conditions and real estate markets, which affect borrowers’ ability to repay and the value of collateral. No individual customer or related customer group is material to the overall business.
Plumas Bancorp itself receives substantially all its revenue through dividends from Plumas Bank, and legal restrictions limit those transfers. The bank’s commercial real estate concentration also brings heightened regulatory scrutiny; regulators could require less lending in that category, more capital or tighter risk controls.
The risk section is the longest, dullest part of the filing. This keeps only what can really hurt you: where it hits, how hard, when it plays out.
Every company claims an edge. Each one is checked against hard numbers like margins and returns: which hold, and which line gives way first.
Plumas Bancorp’s results hinge on commercial property and borrowers’ ability to repay in northeastern California and northern Nevada, alongside the gap between loan yields and local deposit costs.
Sierra Bancorp and Plumas Bancorp both earn much of their income from borrowers paying interest on property-backed loans, so property credit conditions and deposit costs matter to both. Watch Sierra’s income from those loans: interest, fees and other income supplied 61% of its net interest plus other income in 2025.
Parke Bancorp Inc. and Plumas Bancorp both use deposits to fund substantial commercial property lending, earning interest from borrowers while paying depositors. Commercial property loan performance and the gap between loan income and deposit costs matter to both, but their borrowers are in different regional markets.
First Mid Bancshares, Inc. and Plumas Bancorp both depend heavily on income from lending to borrowers and have substantial commercial property loans, making repayment conditions important to both. First Mid’s lending supplied approximately 74% of total revenue in 2025, so its commercial property loan performance is worth watching alongside Plumas’s.
Mercantile Bank Corp and Plumas Bancorp both use deposits to fund business and property loans, so borrowers’ ability to repay and changes in loan rates versus deposit costs affect both. Watch Mercantile’s generally floating-rate commercial property loans: changes in their interest income offer a comparison for the lending spread that drives Plumas’s earnings.
Plumas Bancorp earningsThis company
Plumas Bank earns mainly from the gap between loan interest and deposit costs, and this report will show whether that lending income is holding up without repayment problems eroding it.
Read net interest income alongside credit quality. Net interest income is interest earned on assets minus interest paid on funding; credit quality shows up in past-due and nonperforming loans and provisions for credit losses. Rising net interest income with stable credit measures would mean loan returns still cover funding costs and borrowers are repaying. Weaker income or worsening credit measures would point to funding pressure or borrower stress eating into earnings.
Fed Interest Rate Decision
For Plumas Bank, the Fed’s rate decision signals how borrowing costs and the interest it earns on loans and securities may change relative to what it pays depositors, affecting the spread that drives its earnings.
Expected4.0%Last release4.0%
If it comes in above expectations
If rates rise more than expected, deposit costs can climb faster than yields on Plumas Bank’s loans and securities, squeezing the spread and earnings; some floating-rate loans may earn more as they reprice.
If it comes in below expectations
If rates fall more than expected, yields on Plumas Bank’s loans and securities may decline while deposit costs fall more slowly, narrowing the spread; lower funding costs may partly offset the pressure.
