PackageTrendsPeer
Letter portraitLegal landscape

Plumas Bank

Quincy, CA · Cert 23275 · Plumas Bcorp

State charter, Fed member · FED · 20 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

47

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Plumas Bank

Quincy, CA · Cert 23275 · Plumas Bcorp

State charter, Fed member · FED · 20 branches

Q2 2026

$2.3BAssets
$1.5BLoans
$1.9BDeposits
$281.5MEquity
Loan mix
85%RE $1.3B11%C&I $0.2B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $1.0B46%Noninterest $0.9BQ2 2025Q2 2026

NIM

4.97%Q2 ’245.03%Q2 ’255.37%Q2 ’26+3%+4%

Non-interest income vs. expense

2.44%Q2 ’242.68%Q2 ’252.60%Q2 ’26+603%+6%

Market Position · Redding, CA · 2026 SOD (annual) · 10.8% share · #4 of 11 inst. · $0.5B of $4.5B

10.8% Shasta
81.9% Plumas
61.2% Lassen
13.9% Tehama

Executive Summary

  • Earnings: ROA of 1.80%, up 9 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 1.55% of loans (+21 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.77%, down 89 bps from a year ago.
  • Funding: loans stand at 80.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.80%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+18 bps YoY

Efficiency Ratio (YTD, annualized)

49.26%-256 bps YoY

Tier 1 Leverage Ratio

11.77%-89 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.45%1.64%1.79%1.80%+9 bps
Return on Equity14.78%12.57%14.01%14.41%14.54%-25 bps
Net Interest Margin4.53%3.72%4.02%4.69%4.71%+18 bps
Efficiency Ratio51.82%51.24%47.28%51.11%49.26%-256 bps
Non-Interest Burden2.05%1.70%1.57%2.26%2.17%+12 bps
Growth
Asset Growth (YoY)-0.82%34.00%37.92%34.71%39.88%+4,069 bps
Loan Growth (YoY)2.05%49.00%48.82%48.50%48.46%+4,642 bps
Deposit Growth (YoY)4.99%34.61%31.49%28.34%37.01%+3,202 bps
Asset Quality
Nonperforming Loans / Loans1.34%1.00%1.00%0.94%1.55%+21 bps
Net Charge-Offs / Loans0.03%0.02%0.03%0.06%0.06%+3 bps
Allowance / Loans1.39%1.30%1.32%1.28%1.30%-9 bps
Allowance Coverage of NPLs1.0x1.3x1.3x1.4x0.8x-0.2x
Capital
Tier 1 Leverage Ratio12.66%10.56%11.11%11.59%11.77%-89 bps
Total Risk-Based Capital19.18%15.49%16.04%16.71%11.77%-741 bps
Equity / Assets11.93%11.60%12.19%12.60%12.36%+43 bps
Liquidity & Funding
Loans / Deposits73.95%81.80%83.33%84.65%80.14%+618 bps
Liquid Assets / Assets2.89%2.45%2.05%1.47%4.62%+173 bps
CRE / Total Capitaln/a432%421%414%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Plumas Bank

Quincy, CA · Cert 23275 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Plumas Bcorp

State charter, Fed member · FED · 20 branches

Q2 2026

$2.3BAssets
$1.5BLoans
$1.9BDeposits
$281.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 95% of banks $1B-$10B in assets operating regionally (rank 8 of 176).
  • Widest gap: nonperforming loans / loans trails 85% of banks $1B-$10B in assets operating regionally (rank 151 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.77%

Rank 20 of 176

Net Interest Margin

4.71%

Rank 8 of 176

Efficiency Ratio

51.27%

Rank 37 of 176

Equity / Assets

12.36%

Rank 33 of 176

Non-interest income vs. expense

$9.6M$58.5MINCOMEEXPENSE
Unfavorable gap of $48.8M · efficiency ratio beats 80% of banks $1B-$10B in assets operating regionally
Bank 51.27%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%0.93%1.26%1.54%Beats 89%20 / 176
Return on Equity14.31%9.26%11.89%14.46%Beats 72%49 / 176
Net Interest Margin4.71%3.25%3.59%3.93%Beats 95%8 / 176
Efficiency Ratio51.27%52.79%59.55%67.66%Beats 80%37 / 176
Asset Quality
Nonperforming Loans / Loans1.55%0.30%0.64%1.32%Beats 15%151 / 176
Net Charge-Offs / Loans0.04%0.01%0.04%0.10%Beats 48%93 / 176
Capital
Tier 1 Capital Ratio11.77%11.15%12.72%14.15%Beats 36%113 / 176
Total Risk-Based Capital Ratio11.77%11.81%13.63%15.33%Beats 24%134 / 176
Equity / Assets12.36%9.16%10.35%11.80%Beats 81%33 / 176
Liquidity & Funding
Loans / Deposits80.14%80.94%89.73%97.21%21st pctl139 / 176
Loans / Assets66.56%69.25%75.12%80.82%16th pctl148 / 176
Brokered Deposits / Depositsn/aNot reported for this institution