Plumas Bancorp PLBC

Plumas Bancorp is a bank holding company headquartered in Reno, Nevada. Substantially all of its operations are conducted through its wholly owned subsidiary, Plumas Bank. At December 31, 2025, the company reported consolidated assets of $2.2 billion, deposits of $1.8 billion, other liabilities of $168 million, and shareholders’ equity of $261 million. Plumas Bancorp’s common stock trades on the Nasdaq Stock Market under the ticker PLBC. The company files annual, quarterly, and other reports required under the Securities Exchange Act of 1934 with the Securities and Exchange Commission, and makes these filings available on its website and through the SEC’s EDGAR system. Plumas Bank maintains a network of seventeen branches in California and two branches in Nevada, supported by twenty three automated teller machines linked to national networks.

The company’s revenue is derived primarily from the banking activities of Plumas Bank, which generates income from interest on loans and investment securities, as well as from service fees on deposit products and other banking services. Plumas Bank’s loan portfolio consists of commercial real estate loans representing 66.3% of total loans, commercial and industrial loans at 11.1%, agricultural loans at 10.4%, consumer loans at 7.3%, construction and land development loans at 2.7%, and residential real estate loans at 2.2%. Interest income from investment securities and fee income from deposit services, cash management, electronic banking, and ancillary products supplement the bank’s earnings. As of December 31, 2025, the bank held 47,667 deposit accounts with balances totaling approximately $1.8 billion, reflecting a diverse base of personal, business, and municipal customers. The holding company itself receives cash mainly in the form of dividends paid by the bank.

Plumas Bancorp operates in a competitive banking landscape dominated by large national banks that have greater resources for technology, marketing and lending limits. Despite this, Plumas Bank holds the distinction of being the largest bank headquartered in Plumas County, California, and maintains strong market shares in several local communities, such as 100% of deposits in Greenville, Quincy, and Portola, and notable shares in Susanville, Kings Beach, and Chester. The company’s competitive advantage stems from its focus on personalized, community oriented service, local ownership and decision making, which resonates with customers who prefer a relationship based banking experience over the standardized offerings of larger rivals. Additionally, Plumas Bank emphasizes its deep ties to the agricultural and tourism sectors of its region, offering specialized lending products that support local economic development.

Plumas Bank serves a diverse mix of individuals, small and medium sized businesses, agricultural operators, and municipal entities within its geographic footprint covering northeastern California and northwestern Nevada. The bank’s deposit base consists primarily of personal checking and savings accounts, business accounts, and public sector deposits, while its loan relationships extend to farmers, ranchers, commercial developers, and homeowners. As of December 31, 2025, approximately 82% of the bank’s total loan portfolio was secured by real estate, reflecting the importance of property based lending in its markets. The bank notes a modest seasonal component in its business due to the agricultural and tourism orientation of some of the communities it serves, and no single customer or group of related customers accounts for a material portion of its loans or deposits.