Plumas Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 47.56 percentage points lower than in Q1 2026, at 76.16%. Plumas Bank ranks 15th of 114 California banks on return on assets, in the upper half at 1.82% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Plumas Bank sits 0.54 points higher, at 1.82% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.77% |
| Equity capital to assets | 12.36% |
| Tangible equity to tangible assets | 11.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.71% |
| Non-performing assets ratio | 1.14% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 10.37% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 76.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 14.66% |
| Net interest margin | 5.13% |
| Efficiency ratio | 47.15% |
| Yield on earning assets | 5.93% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.14% |
| Core deposits to total deposits | 91.15% |
| Brokered deposits to total deposits | 0.53% |
| Deposits to assets | 83.06% |
| Securities to assets | 20.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.10% | 15.10% | 16.30% | 10.63% | 1.98% |
| Q4 2023 | 15.72% | 15.72% | 16.92% | 10.80% | 1.84% |
| Q1 2024 | 16.14% | 16.14% | 17.37% | 11.03% | 1.54% |
| Q2 2024 | 16.36% | 16.36% | 17.61% | 11.31% | 1.69% |
| Q3 2024 | 16.93% | 16.93% | 18.18% | 11.31% | 1.87% |
| Q4 2024 | 17.25% | 17.25% | 18.45% | 11.92% | 1.89% |
| Q1 2025 | 17.78% | 17.78% | 18.99% | 12.34% | 1.78% |
| Q2 2025 | 17.92% | 17.92% | 19.18% | 12.66% | 1.58% |
| Q3 2025 | 14.26% | 14.26% | 15.49% | 10.56% | 0.95% |
| Q4 2025 | 14.81% | 14.81% | 16.04% | 11.11% | 2.00% |
| Q1 2026 | 15.50% | 15.50% | 16.71% | 11.59% | 1.77% |
| Q2 2026 | — | — | — | 11.77% | 1.82% |
Plumas Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Plumas Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)