Quincy, CA · Cert 23275 · Plumas Bcorp
State charter, Fed member · FED · 20 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
47
Asset Quality
32
Profitability
85
Liquidity
44
Efficiency
80
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.
Quincy, CA · Cert 23275 · Plumas Bcorp
State charter, Fed member · FED · 20 branches
Q2 2026
Market Position · Redding, CA · 2026 SOD (annual) · 10.8% share · #4 of 11 inst. · $0.5B of $4.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.80% | 1.81% | 1.71% | 1.45% | 1.64% | 1.79% | 1.80% | +9 bps | |
| Return on Equity | 16.99% | 17.20% | 15.95% | 14.78% | 12.57% | 14.01% | 14.41% | 14.54% | -25 bps | |
| Net Interest Margin | 4.34% | 4.49% | 4.56% | 4.53% | 3.72% | 4.02% | 4.69% | 4.71% | +18 bps | |
| Efficiency Ratio | 37.83% | 40.14% | 51.40% | 51.82% | 51.24% | 47.28% | 51.11% | 49.26% | -256 bps | |
| Non-Interest Burden | 0.40% | 0.82% | 1.99% | 2.05% | 1.70% | 1.57% | 2.26% | 2.17% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.75% | 0.79% | -0.42% | -0.82% | 34.00% | 37.92% | 34.71% | 39.88% | +4,069 bps | |
| Loan Growth (YoY) | 4.68% | 5.94% | 3.54% | 2.05% | 49.00% | 48.82% | 48.50% | 48.46% | +4,642 bps | |
| Deposit Growth (YoY) | -3.11% | 3.45% | 5.86% | 4.99% | 34.61% | 31.49% | 28.34% | 37.01% | +3,202 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.40% | 0.36% | 1.34% | 1.00% | 1.00% | 0.94% | 1.55% | +21 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.10% | 0.05% | 0.03% | 0.02% | 0.03% | 0.06% | 0.06% | +3 bps | |
| Allowance / Loans | 1.35% | 1.30% | 1.31% | 1.39% | 1.30% | 1.32% | 1.28% | 1.30% | -9 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.2x | 3.6x | 1.0x | 1.3x | 1.3x | 1.4x | 0.8x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.31% | 11.92% | 12.34% | 12.66% | 10.56% | 11.11% | 11.59% | 11.77% | -89 bps | |
| Total Risk-Based Capital | 18.18% | 18.45% | 18.99% | 19.18% | 15.49% | 16.04% | 16.71% | 11.77% | -741 bps | |
| Equity / Assets | 11.16% | 11.14% | 11.61% | 11.93% | 11.60% | 12.19% | 12.60% | 12.36% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.90% | 73.63% | 73.16% | 73.95% | 81.80% | 83.33% | 84.65% | 80.14% | +618 bps | |
| Liquid Assets / Assets | 5.31% | 3.29% | 3.65% | 2.89% | 2.45% | 2.05% | 1.47% | 4.62% | +173 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 432% | 421% | 414% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.77% | 0.93% | 1.26% | 1.54% | Beats 89% | 20 / 176 | ||
| Return on Equity | 14.31% | 9.26% | 11.89% | 14.46% | Beats 72% | 49 / 176 | ||
| Net Interest Margin | 4.71% | 3.25% | 3.59% | 3.93% | Beats 95% | 8 / 176 | ||
| Efficiency Ratio | 51.27% | 52.79% | 59.55% | 67.66% | Beats 80% | 37 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.30% | 0.64% | 1.32% | Beats 15% | 151 / 176 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.10% | Beats 48% | 93 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.77% | 11.15% | 12.72% | 14.15% | Beats 36% | 113 / 176 | ||
| Total Risk-Based Capital Ratio | 11.77% | 11.81% | 13.63% | 15.33% | Beats 24% | 134 / 176 | ||
| Equity / Assets | 12.36% | 9.16% | 10.35% | 11.80% | Beats 81% | 33 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.14% | 80.94% | 89.73% | 97.21% | 21st pctl | 139 / 176 | ||
| Loans / Assets | 66.56% | 69.25% | 75.12% | 80.82% | 16th pctl | 148 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||