| Metric | Plumas Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.9% | +5.5% | +34.4 pts |
| Deposit growth (YoY) | +37.0% | +5.1% | +32.0 pts |
| Loan growth (YoY) | +48.6% | +5.9% | +42.7 pts |
| ROA | 1.80% | 1.26% | +0.5 pts |
| ROE | 14.5% | 12.2% | +2.4 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.28B | $1.89B | $1.50B | $281.5M | $20.1M | 1.80% | 5.16% | 1.04% |
| Q1 2026 | $2.20B | $1.78B | $1.49B | $277.1M | $9.9M | 1.79% | 5.16% | 0.65% |
| Q4 2025 | $2.24B | $1.82B | $1.50B | $272.9M | $30.7M | 1.64% | 5.25% | 0.68% |
| Q3 2025 | $2.23B | $1.83B | $1.48B | $258.5M | $19.4M | 1.45% | 5.17% | 0.68% |
| Q2 2025 | $1.63B | $1.38B | $1.01B | $194.3M | $13.9M | 1.71% | 4.98% | 0.84% |
| Q1 2025 | $1.63B | $1.39B | $1.00B | $189.6M | $7.4M | 1.81% | 5.02% | 0.23% |
| Q4 2024 | $1.62B | $1.38B | $1.01B | $180.7M | $29.5M | 1.80% | 4.96% | 0.26% |
| Q3 2024 | $1.66B | $1.36B | $993.1M | $185.7M | $21.5M | 1.75% | 4.89% | 0.28% |
Loan mix (Q2 2026): real estate $1.26B · commercial $172.5M · consumer $44.6M · securities $466.0M
| Ratio | Plumas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.26% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.2% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.16% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 59.0% | 22nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Plumas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Plumas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Plumas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Plumas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Plumas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
16 branches in 10 counties across 2 states (+0 vs 2024) · $1.38B branch deposits. Biggest market: Plumas, CA, ranked 1st with 81.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Plumas, CA | 5 | $501.0M | 81.83% | 1st |
| Lassen, CA | 1 | $159.9M | 22.12% | 2nd |
| Nevada, CA | 1 | $127.8M | 4.74% | 6th |
| 7 more counties with Pro → | ||||
California: 113th with 0.06% · Nevada: 52nd with 0.10% · Sacramento-Roseville-Folsom metro: 42nd, 0.10% · Redding metro: 11th, 2.39% ·
Branch count: 2022 15 · 2023 16 · 2024 16 · 2025 16