PLUMAS BANK
PLUMAS BANK is an FDIC-insured commercial bank headquartered in QUINCY, CA, established in 1980. As of , the bank reported total assets of $2.2B and total deposits of $1.8B. Profitability stands at 2.03% ROA and 17.03% ROE, with a net interest margin of 5.09%. CET1 capital ratio: 14.81%, well above regulatory minimums. NPL ratio: 1.15% · Texas Ratio: 6.00%. Operates 16 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.81% | 2.03% | 1.15% | 6.00% | 5.09% |
| 2025-09-30 | 14.26% | 1.14% | 1.20% | 6.53% | 5.01% |
| 2025-06-30 | 17.92% | 1.60% | 1.41% | 6.96% | 4.79% |
| 2025-03-31 | 17.78% | 1.81% | 1.30% | 6.52% | 4.86% |
| 2024-12-31 | 17.25% | 1.93% | 1.48% | 7.82% | 4.91% |
| 2024-09-30 | 16.93% | 1.95% | 0.76% | 3.92% | 4.76% |
| 2024-06-30 | 16.36% | 1.72% | 0.34% | 1.93% | 4.82% |
| 2024-03-31 | 16.14% | 1.58% | 0.97% | 5.50% | 4.59% |
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Frequently asked about PLUMAS BANK
What are Plumas Bank's total assets?
As of the Q4 2025 filing, Plumas Bank reported total assets of $2.24 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Plumas Bank headquartered?
Plumas Bank is headquartered in QUINCY, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Plumas Bank founded?
Plumas Bank was established in 1980, per the FDIC institution directory.
Is Plumas Bank FDIC-insured?
Yes. Plumas Bank is an FDIC-insured commercial bank (FDIC Certificate #23275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Plumas Bank?
Plumas Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Plumas Bank's CET1 capital ratio?
Plumas Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.81% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Plumas Bank operate?
Plumas Bank operates 16 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Plumas Bank's Texas Ratio?
Plumas Bank's Texas Ratio is 6.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.