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
Unfavorable gap of $48.8M · efficiency ratio beats 80% of banks $1B-$10B in assets operating regionally | 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 |