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 | |