Plumas Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Plumas Bank of Quincy, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.82% | 1.46% | +0.36% | 81st top |
| ROAE | 14.66% | 12.71% | +1.95% | 69th above |
| Net Interest Margin | 5.13% | 3.85% | +1.28% | 96th top |
| Efficiency Ratio | 47.15% | 57.41% | -10.26% | 82nd top |
| PPNR / Avg Assets | 2.58% | 1.88% | +0.70% | 89th top |
| Yield on Earning Assets | 5.93% | 5.72% | +0.21% | 73rd above |
| Cost of Funds | 0.87% | 2.02% | -1.15% | 97th top |
| Net Interest Spread | 4.36% | 3.18% | +1.18% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.71% | 1.00% | +0.71% | 15th bottom |
| NPA / Total Assets | 1.14% | 0.76% | +0.38% | 20th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 42nd below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.30% | 1.31% | -0.01% | 70th above |
| ACL / NPLs (Coverage) | 76.16% | 543.77% | -467.61% | 19th bottom |
| Texas Ratio | 10.37% | 7.39% | +2.98% | 22nd bottom |
| Provision / NCO | 47.73% | 619.20% | -571.47% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.77% | 11.44% | +0.33% | 74th above |
| Equity / Assets | 12.36% | 11.33% | +1.03% | 80th top |
| TCE / Tangible Assets | 11.02% | 10.50% | +0.52% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.14% | 86.96% | -6.82% | 71st above |
| Core Deposit Ratio | 91.15% | 85.55% | +5.60% | 63rd above |
| Uninsured Deposit Ratio | 42.88% | 33.11% | +9.77% | 20th bottom |
| Wholesale Funding Ratio | 2.60% | 5.71% | -3.11% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 39.88% | 9.65% | +30.23% | 97th top |
| Loan Growth (Y/Y) | 48.46% | 8.02% | +40.44% | 98th top |
| Deposit Growth (Y/Y) | 37.01% | 7.84% | +29.17% | 96th top |
See Plumas Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Plumas Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Plumas Bank profile, how to read a UBPR, or how this data updates.