Plumas Bank
Quincy, CA · Cert 23275 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · 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 96% of banks $1B-$10B in assets operating regionally (rank 8 of 178).
- Widest gap: nonperforming loans / loans trails 86% of banks $1B-$10B in assets operating regionally (rank 154 of 178).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.77%
Rank 20 of 178
Net Interest Margin
4.71%
Rank 8 of 178
Efficiency Ratio
51.27%
Rank 40 of 178
Equity / Assets
12.36%
Rank 32 of 178
Non-interest income vs. expense
Unfavorable gap of $48.8M · efficiency ratio beats 78% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.91% | 1.25% | 1.53% | Beats 89% | 20 / 178 | |
| Return on Equity | 14.31% | 9.18% | 11.89% | 14.44% | Beats 72% | 49 / 178 | |
| Net Interest Margin | 4.71% | 3.22% | 3.56% | 3.91% | Beats 96% | 8 / 178 | |
| Efficiency Ratio | 51.27% | 52.04% | 58.90% | 67.10% | Beats 78% | 40 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.29% | 0.60% | 1.26% | Beats 14% | 154 / 178 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 47% | 95 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 11.77% | 11.19% | 12.72% | 14.14% | Beats 34% | 117 / 178 | |
| Total Risk-Based Capital Ratio | 11.77% | 11.91% | 13.63% | 15.33% | Beats 22% | 138 / 178 | |
| Equity / Assets | 12.36% | 9.12% | 10.35% | 11.80% | Beats 82% | 32 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 80.14% | 80.94% | 89.92% | 97.12% | 21st pctl | 140 / 178 | |
| Loans / Assets | 66.56% | 69.25% | 75.52% | 80.96% | 15th pctl | 151 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |