Geographic concentration
Operations and lending are focused in a limited set of counties, reducing diversification.
- Scope
- Northeastern California and northwestern Nevada
- Materiality
- high
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.
| % | |
|---|---|
| Deposit products | 20% Core deposit accounts used to fund the bank, including demand, savings, and time deposits. |
| Commercial real estate lending | 45% Loans secured by income-producing and owner-occupied real estate, including construction and land development. |
| Commercial and business lending | 20% Credit facilities for local businesses, operating companies, and small commercial borrowers. |
| Consumer and home equity lending | 10% Consumer loans and home equity lines of credit to households in the bank's markets. |
| Fee-based banking services | 5% Noninterest income from interchange, deposit service charges, loan servicing, and related fees. |
Plumas Bancorp serves local businesses, commercial property owners, municipalities, tribal accounts, and individual...
- Local businessesprimary
Businesses in the bank's footprint that place operating deposits and borrow for working capital or expansion.
- Commercial real estate ownersprimary
Owners and developers of retail, office, industrial, hospitality, and mixed-use properties that borrow against real estate collateral.
- Households and consumerssecondary
Individuals who use deposit accounts, consumer loans, and home equity lines for everyday banking and borrowing.
- Public-sector and tribal depositorssecondary
States, municipalities, and tribal accounts that hold deposits, often with collateralization requirements.
The bank operates through branches, lending offices, and administrative offices in northeastern California and...
- •Branches and offices are concentrated in northeastern California and northwestern Nevada
- •Core markets include Butte, Lassen, Modoc, Nevada, Placer, Plumas, Shasta, and Sutter counties
- •Northern Nevada exposure includes Washoe County and Carson City
- •Loan performance is tied to local commercial real estate and small-business activity
- •Regional concentration increases exposure to fires, floods, and earthquakes
Plumas Bancorp's strategy is centered on relationship banking, local deposit gathering, and secured lending within a...
01
Expand core deposit fundingshort-term
Deposits are the primary funding source and support loan growth and liquidity.
02
Maintain disciplined real estate lendingmedium-term
The loan book is concentrated in commercial real estate and related collateralized lending.
03
Preserve capital and liquidity strengthmedium-term
A strong balance sheet supports customer confidence and regulatory flexibility.
The main risks come from geographic concentration, commercial real estate exposure, and dependence on local deposit...
Commercial real estate credit risk
A large share of loans is secured by CRE, which is sensitive to vacancy, valuation, and refinancing conditions.
- Scope
- Retail, office, hospitality, industrial, and mixed-use properties
- Materiality
- high
Uninsured deposit funding risk
A meaningful portion of deposits is uninsured, which can increase runoff risk in a confidence shock.
- Scope
- Local business, municipal, and tribal deposit accounts
- Materiality
- high
Natural catastrophe exposure
The operating region is exposed to earthquakes, fires, and floods that can impair borrowers and collateral.
- Scope
- Northern California and northern Nevada
- Materiality
- medium
Allowance for credit losses
Affects provision expense and loan-loss reserve levels
Fair value marks on acquired assets and liabilities
Affects interest expense, noninterest income, and pretax earnings
Available-for-sale securities valuation
Affects accumulated other comprehensive income and equity
Lease accounting
Affects occupancy expense and balance-sheet lease assets/liabilities
Seasonality in deposits
Affects quarter-to-quarter comparability of funding and liquidity
: 29.4.2026