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PLUMAS BANCORP
PLBCCIK 0001168455NasdaqNon-AcceleratedSmaller ReportingShort-Term Business Credit InstitutionsCaliforniaFY ends Dec 31
Period
FY 2025
Revenue
—
Net Income
$29.62M
Total Assets
$2.24B
Equity
$261.08M
Shares Out
6.97M
Op. Cash Flow
$21.59M
Business
Plumas Bancorp is a bank holding company that operates Plumas Bank, a California state-chartered bank providing community-focused retail and commercial banking services. The Bank offers lending products including commercial real estate, agricultural, SBA-guaranteed, and consumer loans, along with deposit products such as checking, savings, and money market accounts, plus supplementary services including remote deposit, mobile banking, and treasury management. The Bank operates 17 branches across northeastern California and two branches in Nevada, serving communities from Lake Tahoe to the Oregon border.
Summary from 10-K filed 2026-03-19
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Interest and fees on loans | 79 | 61 | 55 | 46 | 42 | |
| Taxable | 17 | 15 | 12 | 6 | 3 | |
| Exempt from Federal income taxes | 2 | 3 | 4 | 3 | 2 | |
| Other | 3 | 5 | 4 | 5 | 345,000 | |
| Total interest income | 102 | 84 | 75 | 60 | 48 | |
| Interest on deposits | 12 | 6 | 4 | 823,000 | 780,000 | |
| Interest on junior subordinated deferrable interest debentures | 0 | 0 | 141,000 | 359,000 | 348,000 | |
| Interest on borrowings | 1 | 5 | 896,000 | 0 | — | |
| Other | 776,000 | 42,000 | 31,000 | 67,000 | 8,000 | |
| Total interest expense | 14 | 11 | 5 | 1 | — | |
| Net interest income before provision for credit losses | 88 | 74 | 70 | 59 | 47 | |
| Provision for credit losses | 7 | 1 | 3 | 1 | 1 | |
| Net interest income after provision for credit losses | 81 | 72 | 67 | 57 | 46 | |
| Gain on sale of buildings | 6 | 20 | 0 | 0 | — | |
| Interchange revenue | 3 | 3 | 3 | 3 | 3 | |
| Earnings on bank owned life insurance policies, net | 741,000 | 409,000 | 417,000 | 391,000 | 380,000 | |
| Federal Home Loan Bank dividends | 658,000 | 546,000 | 418,000 | 293,000 | — | |
| Gain on sale of loans held for sale | 0 | 37,000 | 234,000 | 3 | 1 | |
| Loss on sale of investment securities | −6 | −20 | 0 | 0 | −209,000 | |
| Other | 2 | 877,000 | 3 | 912,000 | 1 | |
| Total non-interest income | 11 | 9 | 11 | 11 | 9 | |
| Salaries and employee benefits | 26 | 22 | 20 | 17 | 13 | |
| Occupancy and equipment | 9 | 8 | 5 | 5 | 4 | |
| Other | 17 | 13 | 12 | 11 | 9 | |
| Total non-interest expenses | 52 | 42 | 38 | 33 | 26 | |
| Income before income taxes | 40 | 39 | 40 | 36 | 28 | |
| Income Tax Expense (Benefit) | 10 | 10 | 10 | 9 | 7 | |
| Net income | 30 | 29 | 30 | 26 | 21 | |
| Basic earnings per common share (in dollars per share) | 4.6 | 4.85 | 5.08 | 4.53 | 3.82 | |
| Diluted earnings per common share (in dollars per share) | 4.54 | 4.8 | 5.02 | 4.47 | 3.76 | |
| Cash dividends on common stock, per share (in dollars per share) | 1.2 | 1.08 | 1 | 0.64 | 0.56 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2025 2025-06-30 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2023 2023-09-30 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 81 | — | 82 | 86 | — | |
| Investment securities available for sale, net of allowance for credit losses of $0 at December 31, 2025 and 2024 | 477 | — | 438 | — | — | |
| Loans, less allowance for credit losses of $19,959,000 at December 31, 2025 and $13,196,000 at 2024 | 1,496 | — | 1,005 | — | — | |
| Right-of-use assets | 29 | — | 24 | 3 | — | |
| Other real estate owned | 226,000 | — | 91,000 | 357,000 | — | |
| Premises and equipment, net | 24 | — | 12 | 19 | — | |
| Bank owned life insurance | 34 | — | 17 | 16 | — | |
| Core deposit intangible | 11 | — | 791,000 | — | — | |
| Goodwill | 24 | — | 6 | 6 | — | |
| Interest Receivable and Other Assets | 63 | — | 38 | 43 | — | |
| Total assets | 2,239 | 2,300 | 1,623 | 1,610 | — | |
| Non-interest bearing | 849 | — | 699 | 693 | — | |
| Interest bearing | 961 | — | 672 | 641 | — | |
| Total deposits | 1,810 | — | 1,371 | 1,334 | — | |
| Repurchase agreements | 98 | — | 22 | 23 | — | |
| Accrued interest payable and other liabilities | 20 | — | 12 | 13 | — | |
| Borrowings | 21 | — | 15 | 90 | — | |
| Lease liabilities | 29 | — | 25 | 3 | — | |
| Total liabilities | 1,977 | — | 1,445 | 1,463 | — | |
| Commitments and contingencies (Note 12) | — | — | — | — | — | |
| Serial preferred stock - no par value; 10,000,000 shares authorized; none outstanding | 0 | — | 0 | 0 | — | |
| Common stock - no par value; 22,500,000 shares authorized; issued and outstanding 6,958,814 at December 31, 2025 and 5,903,368 at December 31, 2024 | 76 | — | 29 | 28 | — | |
| Retained earnings | 196 | — | 174 | 152 | — | |
| Accumulated other comprehensive loss, net of taxes | −10 | — | −25 | −32 | — | |
| Total shareholders' equity | 261 | — | 178 | 147 | 147 | |
| Total liabilities and shareholders' equity | 2,239 | — | 1,623 | 1,610 | — |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Provision for Other Real Estate Owned (OREO) losses | 0 | 50,000 | 0 | 0 | 37,000 | |
| Change in deferred loan origination costs/fees, net | −590,000 | −250,000 | −318,000 | −2 | −3 | |
| Stock-based compensation expense | 343,000 | 502,000 | 322,000 | 262,000 | 223,000 | |
| Depreciation of premises and equipment and amortization of intangibles | 3 | 1 | 2 | 2 | 2 | |
| Amortization of investment security premiums | 718,000 | 831,000 | 1 | 1 | 1 | |
| Accretion of discounts on investments | −2 | −1 | −761,000 | −331,000 | −71,000 | |
| Accretion of premium on time deposits | −655,000 | 0 | 0 | — | — | |
| Amortization of discount on subordinated debentures | 142,000 | 0 | 0 | — | — | |
| Accretion of discount on loans | −1 | 0 | 0 | — | — | |
| Loans originated for sale | 0 | −1 | −2 | −26 | −43 | |
| Proceeds from loan sales | 0 | 757,000 | 6 | 55 | 16 | |
| Net gain on sale of OREO | 0 | −5,000 | −39,000 | 37,000 | 2,000 | |
| Net loss on sale of other vehicles owned | 47,000 | 131,000 | 28,000 | 54,000 | 1,000 | |
| Deferred Income Tax Expense (Benefit) | 2 | −54,000 | −702,000 | 1 | −1 | |
| Purchase of green-energy transferable tax credit | −9 | 0 | 0 | — | — | |
| (Increase) decrease in accrued interest receivable and other assets | −5 | 2 | 335,000 | −1 | −876,000 | |
| (Decrease) increase in accrued interest payable and other liabilities | −2 | −2 | 635,000 | 2 | 688,000 | |
| Net cash provided by operating activities | 22 | 31 | 38 | 57 | −8 | |
| Proceeds from matured and called available-for-sale investment securities | 1 | 9 | 5 | 830,000 | 500,000 | |
| Proceeds from sale of available-for-sale securities | 131 | 116 | 0 | 0 | 20 | |
| Purchases of available-for-sale investment securities | −123 | −121 | −73 | −227 | −196 | |
| Proceeds from principal repayments from available-for-sale government-guaranteed mortgage-backed securities | 56 | 38 | 32 | 31 | 43 | |
| Net increase in loans | −34 | −58 | −50 | −73 | 30 | |
| Cash acquired in acquisition, net of consideration paid | 36 | 0 | 0 | — | — | |
| Proceeds from sale of vehicles | 305,000 | 763,000 | 484,000 | 450,000 | 324,000 | |
| Proceeds from sale of other real estate | 22,000 | 362,000 | 122,000 | 487,000 | 137,000 | |
| Purchases of Federal Home Loan Bank stock | 0 | 0 | −3 | −514,000 | −231,000 | |
| Purchase of Federal Reserve Bank stock | −1 | −9,000 | −8,000 | −6,000 | −706,000 | |
| Proceeds from bank owned life insurance | 0 | 0 | 322,000 | 215,000 | 0 | |
| Proceeds from sale of buildings | 5 | 26 | 0 | 0 | 0 | |
| Purchases of premises and equipment | −1 | −678,000 | −2 | −3 | −931,000 | |
| Net cash provided by (used in) investing activities | 70 | 10 | −91 | −271 | −80 | |
| Net (decrease) increase in demand, interest-bearing and savings deposits | −123 | 35 | −167 | 34 | 297 | |
| Net (decrease) increase in time deposits | −19 | 3 | 42 | −15 | −8 | |
| Net increase (decrease) in securities sold under agreements to repurchase | 76 | −981,000 | 4 | 1 | 3 | |
| Cash dividends paid on common stock | −8 | −6 | −6 | −4 | −3 | |
| Repayments on other borrowings | −21 | −185 | 0 | 0 | — | |
| Redemption of Trust Preferred Securities | 0 | 0 | −10 | 0 | 0 | |
| Increase in other borrowings | 0 | 110 | 90 | 0 | 0 | |
| Proceeds from exercise of stock options | 1 | 508,000 | 339,000 | 309,000 | 265,000 | |
| Net cash used in provided by financing activities | −93 | −44 | −46 | 17 | 284 | |
| Decrease in cash and cash equivalents | −1 | −4 | −98 | −197 | 196 | |
| Interest expense | 14 | 9 | 4 | 1 | 1 | |
| Income taxes | 9 | 10 | 12 | 7 | 9 | |
| Lease liabilities arising from obtaining right-of-use assets | 5 | 23 | 382,000 | 0 | — | |
| Common stock retired in connection with the exercise of stock options | 86,000 | 78,000 | 154,000 | 84,000 | 119,000 | |
| Assets acquired in acquisition plus goodwill recognized | 678 | 0 | 0 | — | — | |
| Liabilities assumed in acquisition | 617 | 0 | 0 | — | — | |
| Common stock issued in acquisition | 45 | 0 | 0 | — | — |
Filings
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Frequently asked questions
What is PLUMAS BANCORP's CIK number?
PLUMAS BANCORP's SEC CIK number is 0001168455 (1168455). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find PLUMAS BANCORP's SEC filings?
All of PLUMAS BANCORP's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did PLUMAS BANCORP last report earnings?
PLUMAS BANCORP (PLBC) most recently filed an earnings 8-K with the SEC on Jul 15, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001437749-26-023589). This is PLUMAS BANCORP's most recent earnings filing of record — not a forecast of its next earnings date.
What is PLUMAS BANCORP's most recent earnings 8-K?
PLUMAS BANCORP's latest earnings 8-K (Item 2.02) was filed Jul 15, 2026 under accession 0001437749-26-023589. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View PLUMAS BANCORP's latest earnings 8-K →
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