Plumas Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 1.71% from 1.04% in the prior period. Plumas Bank is a community bank chartered in 1980, based in Quincy, CA. Total assets stand at $2.3B. Profitability is strong, 1.82% ROA, paired with 14.66% ROE and a 5.13% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.77% exceeds the CBLR threshold. Asset quality merits closer attention with NPLs at 1.71%. Plumas operates a 20-branch network.
As of June 30, 2026, Plumas Bank reported a Tier 1 leverage ratio of 11.77%, a return on assets of 1.82%, a nonperforming-loan ratio of 1.71%, a Texas ratio of 10.37%, per financial data filed with the FFIEC.
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
- Offices
- 20 domestic
- Employees (FTE)
- 239
- Domestic deposits
- $1.89B
- Allowance for credit losses
- $19.7M
- Net charge-offs (YTD)
- $419K
- 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 |
|---|---|---|
| Ryback Andrew J | CEO | President and CEO |
| Belstock Richard L | CFO | EVP and CFO |
| Moseley Matthew Brock | PRES | EVP and Market President |
| Boigon Aaron M. | CIO | EVP, Chief Information Officer |
| Kaiser Kevin Craig | CCO | EVP and Chief Credit Officer |
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Plumas Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Plumas 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.77% | 1.82% | 1.71% | 10.37% | 5.13% |
| Q1 2026 | 11.59% | 1.77% | 1.04% | 6.08% | 5.07% |
| Q4 2025 | 11.11% | 2.00% | 1.15% | 6.84% | 5.11% |
| Q3 2025 | 10.56% | 0.95% | 1.20% | 7.50% | 4.97% |
| Q2 2025 | 12.66% | 1.58% | 1.41% | 7.19% | 4.81% |
| Q1 2025 | 12.34% | 1.78% | 1.30% | 6.74% | 4.88% |
| Q4 2024 | 11.92% | 1.89% | 1.48% | 8.09% | 4.93% |
| Q3 2024 | 11.31% | 1.87% | 0.76% | 4.05% | 4.79% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 20 branches →
| 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 | merger | 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 | merger | 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 | sale_of_assets | SEC |
| November 15, 2003 | Structure Change | Acquired Placer Sierra Bank Sale of Assets for the acquired bank | FFIEC NIC |
| December 19, 1988 | M&A | merger | 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
What the public regulatory sources show for Plumas Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Plumas Bank headquartered?
Plumas Bank is headquartered in Quincy, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Plumas Bank founded?
Plumas Bank was established in 1980, per the FDIC institution directory.
Is Plumas Bank FDIC-insured?
Yes. Plumas Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Plumas Bank operate?
Plumas Bank 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?
Plumas Bank's Texas Ratio is 10.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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