Plumas Bank
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Data as of · sourced from FFIEC call reports. How we update
Plumas Bank is an FDIC-insured commercial bank headquartered in Quincy, CA, established in 1980 (FDIC certificate 23275), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.28B, up 39.9% from Q2 2025, the 39th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.77% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23275
- Headquarters
- Quincy, CA
- Established
- 1980
- Total assets, Q2 2026
- $2.28B
- Assets vs Q2 2025
- +39.9%
- Tier 1 leverage ratio, Q2 2026
- 11.77%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 121138288
- Holding company
- PLUMAS BANCORP
- Asset rank in state
- 39th of 113 in California
Plumas Bank earns an unusually wide margin on its lending. The Quincy, California bank had $2.3 billion in assets at June 30, 2026, up 39.9% from a year earlier. It keeps 5.13 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 0.87% on its deposits and borrowings, about half the median of 2.01% for banks its size.
Earnings jumped: net income for the quarter was $10 million, 57% above the same quarter a year earlier. Over the same year, loans grew 48.5% and deposits grew 37.0%. Credit is the area to watch: it carries problem assets equal to 8.5% of the capital and reserves that would absorb them, 2.4 times the median of 3.6% for banks its size.
As of June 30, 2026, Plumas Bank reported a return on assets of 1.82%, a nonperforming-loan ratio of 1.55% and a Texas ratio of 8.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Plumas Bank is the 39th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 3.5% to $2.28B, loans rose 0.7% and deposits rose 6.4%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 29.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 28.1%. Its 20 offices in the FDIC Summary of Deposits are in 17 cities across 2 states; its Redding 3 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, Plumas Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 336 Main St, Quincy, CA 95971
- County
- Plumas
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 13, 1980
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 239
- Domestic deposits
- $1.89B
- Allowance for credit losses
- $19.7M
- Net charge-offs (YTD)
- $419K
- Average total assets
- $2.25B
- Average total loans
- $1.51B
- Average interest-bearing deposits
- $987.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 13, 1980
- FDIC Cert
- 23275
- Fed RSSD
- 670467
- SEC CIK
- 1168455 → filed by PLUMAS BANCORP
- Website
- http://www.plumasbank.com →
- Parent Holding Company
- PLUMAS BANCORP (RSSD 3098576) · PLBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Andrew J Ryback | CEO | President and CEO |
| Moseley Matthew Brock | PRES | EVP and Market President |
| Richard L Belstock | CFO | EVP and CFO |
| Aaron M. Boigon | CIO | EVP, Chief Information Officer |
| Kaiser Kevin Craig | CCO | EVP and Chief Credit Officer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Plumas Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Plumas Bank's total assets moved between a low of $1.57B (Q3 2023) and a high of $2.28B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.28B total assets against $1.63B; $2.00B total liabilities against $1.43B.
$1.50B net loans and leases against $1.01B; $1.89B total deposits against $1.38B.
$466.0M securities against $439.7M; $135.5M cash and balances due against $79.3M.
$30.5M total interest income against $20.8M; $4.2M total interest expense against $2.3M.
$26.3M net interest income against $18.5M.
$2.4M total noninterest income against $2.2M; $14.2M total noninterest expense against $10.8M.
$601K provision for credit losses against $860K.
$10.2M net income against $6.5M.
1.82% return on assets against 1.58%; 5.13% net interest margin against 4.81%.
11.77% tier 1 leverage ratio against 12.66%.
Inside the full Plumas Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Plumas Bank rankings
Its closest position to the top of a national ranking is 539 of 4,196, for total assets; its furthest is 226 of 980, for uninsured deposits.
Metric pages for Plumas Bank: Uninsured deposits.
Banks merged into Plumas Bank
- Cornerstone Community Bank, effective July 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q3 2025) to 2.00% (Q4 2025) and its net interest margin ran from 4.79% (Q3 2024) to 5.13% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.77% | 1.82% | 1.55% | 8.49% | 5.13% |
| Q1 2026 | 11.59% | 1.77% | 0.94% | 5.47% | 5.07% |
| Q4 2025 | 11.11% | 2.00% | 1.00% | 5.77% | 5.11% |
| Q3 2025 | 10.56% | 0.95% | 1.00% | 6.08% | 4.97% |
| Q2 2025 | 12.66% | 1.58% | 1.34% | 6.76% | 4.81% |
| Q1 2025 | 12.34% | 1.78% | 0.36% | 1.87% | 4.88% |
| Q4 2024 | 11.92% | 1.89% | 0.40% | 1.99% | 4.93% |
| Q3 2024 | 11.31% | 1.87% | 0.44% | 2.39% | 4.79% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Redding Branch | Redding , CA | 96002 | $225.6M |
| Plumas Bank (main office) | Quincy , CA | 95971 | $217.6M |
| Susanville Branch | Susanville , CA | 96130 | $174.3M |
| Cornerstone Branch | Red Bluff , CA | 96080 | $139.4M |
| Alturas Branch | Alturas , CA | 96101 | $124.6M |
| Truckee Branch | Truckee , CA | 96161 | $123.3M |
| Portola Branch | Portola , CA | 96122 | $109.9M |
| Chester Branch | Chester , CA | 96020 | $101.9M |
| Downtown Redding | Redding , CA | 96001 | $90.6M |
| Redding Branch | Redding , CA | 96003 | $89.6M |
| Reno Branch | Reno , NV | 89502 | $89.2M |
| Yuba City Branch | Yuba City , CA | 95991 | $85.0M |
| Tahoe City Branch | Tahoe City , CA | 96145 | $84.7M |
| Carson City Branch | Carson City , NV | 89701 | $66.3M |
| Fall River Mills Branch | Fall River Mills , CA | 96028 | $44.2M |
| Greenville Branch | Greenville , CA | 95947 | $35.0M |
| Anderson Branch | Anderson , CA | 96007 | $34.9M |
| Kings Beach Branch | Kings Beach , CA | 96143 | $29.5M |
| Chico Branch | Chico , CA | 95926 | $26.1M |
| Quincy Administrative Building | Quincy , CA | 95971 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2025 | M&A | Acquired Cornerstone Community Bank merger for the acquired bank | SEC |
| July 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2025 | Structure Change | Acquired Cornerstone Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2021 | M&A | Acquired Bank of Feather River merger for the acquired bank | SEC |
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Structure Change | Acquired Bank of Feather River Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2003 | M&A | Acquired Placer Sierra Bank sale_of_assets for the acquired bank | SEC |
| November 15, 2003 | Structure Change | Acquired Placer Sierra Bank Sale of Assets for the acquired bank | FFIEC NIC |
| December 19, 1988 | M&A | Acquired Sierra Security Bank merger for the acquired bank | SEC |
| December 19, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 19, 1988 | Structure Change | Acquired Sierra Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 25, 2011, Federal Reserve: Written Agreement: Plumas Bancorp, Quincy, California
- Period: Most recent institution action July 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 66 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 61 loans, $52.1M approved, $854K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Plumas Bank
What are Plumas Bank's total assets?
As of the Q2 2026 filing, Plumas Bank reported total assets of $2.28 billion in its FFIEC call report.
Where is Plumas Bank headquartered?
It is headquartered in Quincy, CA, United States.
When was Plumas Bank founded?
It was established in 1980, per the FDIC institution directory.
Is Plumas Bank FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Plumas Bank operate?
It operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Plumas Bank's Texas Ratio?
Its Texas Ratio is 8.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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