Plumas Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.7% to $4.2M. On net interest margin, Plumas Bank ranks 7th highest among the 114 banks headquartered in California, at 5.13% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Plumas Bank sits 1.42 points higher, at 5.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.87% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 1.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.13% |
| Yield to cost spread | 4.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $24.8M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $3.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.04% | 0.33% | 4.73% |
| Q4 2023 | 5.10% | 0.48% | 4.65% |
| Q1 2024 | 5.19% | 0.67% | 4.57% |
| Q2 2024 | 5.50% | 0.72% | 4.83% |
| Q3 2024 | 5.49% | 0.77% | 4.79% |
| Q4 2024 | 5.48% | 0.59% | 4.93% |
| Q1 2025 | 5.37% | 0.54% | 4.88% |
| Q2 2025 | 5.41% | 0.65% | 4.81% |
| Q3 2025 | 5.78% | 0.92% | 4.97% |
| Q4 2025 | 5.95% | 0.91% | 5.11% |
| Q1 2026 | 5.86% | 0.85% | 5.07% |
| Q2 2026 | 5.93% | 0.87% | 5.13% |
Plumas Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Plumas Bank, freeSource: Call Report Schedules RI and RC-K, 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)