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Plumas Bancorp
Plumas Bancorp (PLBC) investor relations material
Plumas Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Total assets reached $2.24 billion as of December 31, 2025, up 37.9% year-over-year, reflecting significant growth and recent acquisitions.
Net income for 2025 was $29.6 million, a 3.5% increase from 2024, with diluted EPS at $4.54.
The acquisition of Cornerstone Community Bank in July 2025 expanded the branch network and contributed to balance sheet growth.
2025 marked a pivotal year with the integration of Cornerstone Community Bancorp, strategic balance sheet optimization, and a focus on margin durability and cost-of-funds improvement.
The company celebrated its 45th anniversary and expanded its presence in Northern California.
Financial highlights
Net interest income rose by $14.1 million (19.1%) to $87.8 million in 2025, with a net interest margin of 4.91%.
Fourth quarter 2025 net income was $11.0 million, up 41.6% year-over-year.
Non-interest income in 2025 included a $1.1 million Dixie Fire settlement and a sale leaseback gain, mostly offset by a $5.4 million loss on investment securities.
Book value per share increased 24.5% to $37.52.
Gross loans grew by $497 million (49%) to $1.5 billion; deposits increased by $439 million (32%) to $1.8 billion.
Outlook and guidance
Management highlights ongoing focus on core deposit growth, capital management, and maintaining strong credit quality.
Continued investment in technology and expansion into new markets are expected to support future growth.
Management remains focused on margin durability, cost-of-funds improvement, and disciplined loan portfolio growth for 2026.
Continued emphasis on improving nonperforming metrics and prudent credit risk management, especially regarding a large agricultural relationship.
NPL increase: Resolution plan for ag loan?
Projected 2026 impact of fair value marks?
Strategy to manage uninsured deposit concentration?
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Next Plumas Bancorp earnings date
Q1 202617 Apr, 2026
Plumas Bancorp
Next Plumas Bancorp earnings date
Q1 202617 Apr, 2026
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Frequently asked questions
Plumas Bancorp is a bank holding company that operates through its principal subsidiary, Plumas Bank, a full-service community bank. The bank provides a variety of financial services to small and medium-sized businesses, as well as individuals, primarily in Northeastern California and Northwestern Nevada. Its offerings include various deposit products such as checking, savings, money market accounts, and retirement accounts. Plumas Bank's loan portfolio covers commercial real estate, industrial loans, agricultural loans, residential real estate, and construction and land development loans. Additionally, the bank provides services like remote deposit, online and mobile banking, and Small Business Administration (SBA) loans. The company is headquartered in Reno, Nevada, and its shares are listed on the NASDAQ.
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