Plumas Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 4.52 percentage points in Q2 2026, from 84.65% to 80.14%. It was the largest change from Q1 2026 among the key lines here. Within California, Plumas Bank is 82nd of 114 on loan-to-deposit ratio, 80.14% as of Q2 2026, below the middle of the field. Plumas Bank reported 80.14% on loan-to-deposit ratio for Q2 2026, 8.07 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.52B |
| Net loans and leases | $1.50B |
| Loans held for sale | $0 |
| Loans to total assets | 66.56% |
| Loan-to-deposit ratio | 80.14% |
| Net loans to equity capital | 5.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 57.88% |
| Multifamily (5+ residential) | 9.92% |
| Commercial and industrial | 11.38% |
| Consumer | 2.94% |
| Credit cards | 0.00% |
| Farm | 7.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.00% |
| Construction concentration (Tier 1 capital + allowance) | 12.45% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $24.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $961.7M | $1.41B | 45.52% | 7.92% | 11.65% |
| Q4 2023 | $961.5M | $1.34B | 46.49% | 7.66% | 10.85% |
| Q1 2024 | $979.3M | $1.31B | 47.65% | 8.35% | 9.75% |
| Q2 2024 | $1.00B | $1.32B | 49.73% | 8.11% | 8.67% |
| Q3 2024 | $1.01B | $1.36B | 52.36% | 8.13% | 7.77% |
| Q4 2024 | $1.02B | $1.38B | 54.08% | 7.58% | 6.89% |
| Q1 2025 | $1.01B | $1.39B | 55.86% | 7.68% | 6.26% |
| Q2 2025 | $1.02B | $1.38B | 55.61% | 7.96% | 5.53% |
| Q3 2025 | $1.50B | $1.83B | 55.42% | 10.80% | 4.27% |
| Q4 2025 | $1.52B | $1.82B | 56.01% | 11.05% | 3.75% |
| Q1 2026 | $1.51B | $1.78B | 57.30% | 10.78% | 3.36% |
| Q2 2026 | $1.52B | $1.89B | 57.88% | 11.38% | 2.94% |
Plumas Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Plumas Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Plumas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23275) · FFIEC NIC profile (RSSD 670467)