Plumas Bancorp
plumasbank.comWhat Do They Do?
Provides loans, deposit accounts and banking services to individuals and businesses in communities across northeastern California and northwestern Nevada.
10-K for FY2025, filed Mar 19, 2026The Bank primarily generates revenue from loans and investment securities in its portfolio and, to a lesser extent, service fees. With a…View ↗
The Bank’s primary service area covers the Northeastern portion of California, with Lake Tahoe to the south and the Oregon border to the…View ↗
In addition to our lending activities, we offer a wide range of deposit products for the commercial and retail banking markets including…View ↗
How Do They Make Money?
Service revenue comes from account fees charged monthly and transaction fees charged when services are provided. The bank also earns interest on loans and investment securities, and fees from debit-card transactions.
10-K for FY2025, filed Mar 19, 2026Plumas Bancorp is a bank holding company for Plumas Bank, a California state-chartered commercial bank. We derive our income primarily from…View ↗
The Company earns fees from its deposit customers for account maintenance, transaction-based and overdraft services. Account maintenance…View ↗
Debit card interchange feesView ↗
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10-K for FY2025, filed Mar 19, 2026
FY2025 revenue by product or service ↗
$101.6M
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10-K for FY2025, filed Mar 19, 2026
$101.6M ↗
| Segment | Share | Revenue |
|---|---|---|
|
Service
|
83%
FY2022: 73%
|
Service, FY2025
$3.1M Sources
|
|
Bank Servicing
|
17%
FY2022: 27%
|
Bank Servicing, FY2025
$641K Sources
|
Who Are Their Customers?
Individuals, businesses and smaller municipal entities use its branches and telephone, mobile and online banking; business customers can also make deposits remotely.
10-K for FY2025, filed Mar 19, 2026In addition to our lending activities, we offer a wide range of deposit products for the commercial and retail banking markets including…View ↗
Most of the Bank’s deposits are attracted from individuals, business-related sources, and smaller municipal entities. This mix of deposit…View ↗
We also offer a variety of other products and services complementing our lending and deposit services. These include cashier’s checks…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 29 cents of every revenue dollar as net income in FY2025 and turned 20 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
Growing. Revenue grew 2.1x in 4 years, from $48.1M in FY2021 to $101.6M in FY2025, about 21% a year.
SBA loan approach
The older report described selling government-guaranteed loans; the latest report says the bank has shifted toward fixed-rate SBA loans that it generally keeps in its portfolio.
10-K for FY2022, filed Mar 16, 2023 10-K for FY2025, filed Mar 19, 2026The Bank provides Small Business Administration (SBA) loans to qualified borrowers throughout Northern California, and Northern Nevada…View ↗
Auto lending
The bank discontinued its auto loan program, which the older report listed among its retail lending products.
10-K for FY2022, filed Mar 16, 2023 10-K for FY2025, filed Mar 19, 2026The Bank primarily generates revenue from loans and investment securities in its portfolio and, to a lesser extent, service fees. With a…View ↗
As of December 31, 2025, the principal areas to which we have directed our lending activities, and the percentage of our total loan…View ↗
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