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Plumas Bank
Quincy, CA · FDIC Certificate #23275 · Chartered 12/1
Total assets
$2.28B
Total deposits
$1.89B
Total equity
$281.55M
Net loans
$1.50B
Branches (offices)
20
Net income (YTD)
$20.15M
Rank: #547 of 4,213 U.S. banks by assets · #40 of 115 in California. Assets changed 39.9% and deposits 37.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 14.54% |
| Net interest margin (YTD) | 5.16% |
| Equity to assets | 12.36% |
| Tier 1 leverage ratio | 11.77% |
| Uninsured deposits (share of deposits) | 42.9% |
| Noncurrent loans (share of loans) | 1.55% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 79.1% |
| Real estate loans (share of loans) | 84.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.26B | 84.1% | |
| Commercial & industrial | $172.51M | 11.5% | |
| Consumer / individual | $44.57M | 3.0% | |
| Construction & development | $34.92M | 2.3% | |
| Agricultural | $35.38M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.62B | $1.47B | $11.66M | $123.86M |
| Jun 2023 | $1.57B | $1.40B | $13.46M | $135.83M |
| Jun 2024 | $1.64B | $1.32B | $13.47M | $169.62M |
| Jun 2025 | $1.63B | $1.38B | $13.91M | $194.25M |
| Jun 2026 | $2.28B | $1.89B | $20.15M | $281.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.74B | 18 |
| Nevada | $155.50M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.89B.
Similar-sized banks
Golden Bank, National Association ($2.28B) · Crystal Lake Bank And Trust Company, National Association ($2.26B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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