Plumas Bancorp
Plumas Bancorp is a U.S. bank holding company whose principal subsidiary, Plumas Bank, gathers deposits and makes loans in northeastern California and northwestern Nevada. Its business centers on community banking services, including commercial real estate lending, business lending, consumer banking, and deposit products for local businesses and individuals.
Tilikausi 2025 · muutos edellisvuodesta
Kehitys 2020–2025
Liiketoiminta
Osuus liikevaihdostaCore deposit accounts used to fund the bank, including demand, savings, and time deposits.
Loans secured by income-producing and owner-occupied real estate, including construction and land development.
Credit facilities for local businesses, operating companies, and small commercial borrowers.
Consumer loans and home equity lines of credit to households in the bank's markets.
Noninterest income from interchange, deposit service charges, loan servicing, and related fees.
Asiakkaat
Plumas Bancorp serves local businesses, commercial property owners, municipalities, tribal accounts, and individual households in its branch markets. Deposits are primarily sourced from community customers, while lending is concentrated in borrowers that operate or own property in the bank's regional footprint. The bank's customer base is tied closely to local economic activity, especially real estate and small-business conditions.
Businesses in the bank's footprint that place operating deposits and borrow for working capital or expansion.
Owners and developers of retail, office, industrial, hospitality, and mixed-use properties that borrow against real estate collateral.
Individuals who use deposit accounts, consumer loans, and home equity lines for everyday banking and borrowing.
States, municipalities, and tribal accounts that hold deposits, often with collateralization requirements.
Strategia
Plumas Bancorp's strategy is centered on relationship banking, local deposit gathering, and secured lending within a defined regional footprint. It manages liquidity through core deposits, borrowing lines, and an investment portfolio, while maintaining capital above regulatory well-capitalized thresholds. Credit discipline and active review of criticized and nonaccrual assets are central to preserving the bank's lending capacity in a concentrated market.
Deposits are the primary funding source and support loan growth and liquidity.
The loan book is concentrated in commercial real estate and related collateralized lending.
A strong balance sheet supports customer confidence and regulatory flexibility.
Maantiede
The bank operates through branches, lending offices, and administrative offices in northeastern California and northwestern Nevada. Its lending and deposit base is concentrated in Butte, Lassen, Modoc, Nevada, Placer, Plumas, Shasta, and Sutter counties in California, plus Washoe and Carson City counties in Nevada. This narrow footprint makes performance highly dependent on local real estate markets and regional economic conditions.
Riskit
The main risks come from geographic concentration, commercial real estate exposure, and dependence on local deposit funding. Because the bank operates in a narrow regional footprint, weather events, economic downturns, or stress in local property markets can affect both credit quality and deposit behavior. Like other community banks, it also faces interest-rate, liquidity, and regulatory capital risks that can influence earnings and balance-sheet flexibility.
Operations and lending are focused in a limited set of counties, reducing diversification.
Kohdistuu: Northeastern California and northwestern Nevada
A large share of loans is secured by CRE, which is sensitive to vacancy, valuation, and refinancing conditions.
A meaningful portion of deposits is uninsured, which can increase runoff risk in a confidence shock.
The operating region is exposed to earthquakes, fires, and floods that can impair borrowers and collateral.
Kohdistuu: Northern California and northern Nevada
Kirjanpito
Harkinnanvaraiset erätManagement uses discounted cash flow assumptions, including default and loss rates, to estimate reserves.
Vaikutus: Affects provision expense and loan-loss reserve levels
Core deposit intangibles, acquired loans, and acquired time deposits are amortized or accreted over time.
Vaikutus: Affects interest expense, noninterest income, and pretax earnings
Changes in rates can create unrealized gains or losses on the investment portfolio.
Vaikutus: Affects accumulated other comprehensive income and equity
The bank leases branches, lending offices, and administrative offices with varying maturities.
Vaikutus: Affects occupancy expense and balance-sheet lease assets/liabilities
Deposit growth is slower from November through April and stronger from May through October.
Vaikutus: Affects quarter-to-quarter comparability of funding and liquidity
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Päivitetty: 24.9.2026