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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Plumas Bank

Quincy, California · $2.28B in assets · beside the 11 other California banks between $1B and $3B

The filing

+48.5%
Loans, year over year
1st of 12, largest first
1.79%
ROA
2nd of 12
51.3%
Efficiency
3rd of 12

Plumas Bank is the sixth largest of the 12 California banks nearest its size between $1B and $3B, with $2.28B in assets at 30 June 2026. Loans are 80.1% of deposits, 4th of 12 against a median of 88.0%, and equity is 12.4% of assets, 4th of 12. Loans grew +48.5% in the year, the fastest in the cohort, and deposits grew 37.0%; the cohort's median loan growth is +4.6%.

Noncurrent loans are 1.55% of the book, 9th of 12 against a median of 0.56%; 0.17% is 30 to 89 days past due, and the allowance covers them 0.8 times. Commercial real estate is 40.4% of loans, 5th of 12 against a median of 41.4%, and 235% of capital, below the 300% screen, with construction at 13% against the 100% screen. CRE has grown +50.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.79%, 2nd of 12 against a median of 1.11%, on an efficiency ratio of 51.3%, 3rd of 12. Five years ago it was 1.49%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Return on assetsCA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.11% CB Calprivate Bank 2.02% PB Plumas Bank 1.79% MB Mission Bank 1.63% A Avidbank 1.37% OB Open Bank 1.20% FN First Northern Bank of Dixon 1.12% CB Commonwealth Business Bank 1.11% OV Oak Valley Community Bank 1.11% ED El Dorado Savings Bank FSB 0.94% MB Montecito Bank & Trust 0.58% BS Beneficial State Bank 0.14% UB United Business Bank 0.12%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.6% PB Plumas Bank +48.5% A Avidbank +16.3% BS Beneficial State Bank +15.7% MB Mission Bank +12.9% OB Open Bank +9.0% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% FN First Northern Bank of Dixon +2.6% CB Calprivate Bank +2.0% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

Plumas Bank is the 24th largest 7(a) lender into California of 512, with $686M across 1,125 loans, 1.1% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 24 of its 81 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sacramento, CA$105M4th of 1704.6%+0.7 pts
Shasta, CA$99M1st of 6233.1%-32.2 pts
Placer, CA$45M4th of 1225.5%-6.4 pts
Washoe, NV$38M4th of 1135.8%-0.2 pts
Santa Clara, CA$32M20th of 1871.2%+1.1 pts
San Diego, CA$27M39th of 2380.5%+0.5 pts
Alameda, CA$27M23rd of 1791.1%-0.1 pts
Nevada, CA$26M1st of 5916.3%-3.4 pts
Contra Costa, CA$24M14th of 1541.7%-2.4 pts
Stanislaus, CA$20M6th of 1053.3%thin
San Joaquin, CA$18M16th of 1301.9%+0.8 pts
El Dorado, CA$16M6th of 1014.6%-5.4 pts
Kern, CA$16M18th of 1291.7%+1.4 pts
68 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade294$229M29.5%0.38%53rd of 2,589
Accommodation & food services300$163M21.0%0.21%101st of 2,596
Health care & social assistance101$70M9.1%0.15%100th of 2,172
Other services132$68M8.8%0.19%90th of 2,248
Manufacturing78$53M6.9%0.13%134th of 2,246
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Plumas Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans PB Plumas Bank 1.0% $686M · 1,125 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Plumas Bank among them; owner-occupied excluded; bold marks a screen met
Plumas BankRankCohort median
Total CRE against capital, the 300% screen235%3rd of 12257%
Construction against capital, the 100% screen13%6th of 1214%
Construction and land development, share of loans2.3%6th of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans28.1%5th of 1228.5%
Total CRE, the guidance definition, share of loans40.4%5th of 1241.4%
CRE growth over 36 months, the third prong+50.7%12th of 12+21.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Open Bank$2.75B1.2%55.8%2.09%0.01%1.2%96.2%9.6%
Calprivate Bank$2.71B2.0%44.4%1.26%0.08%1.4%89.4%11.1%
Avidbank$2.65B1.4%51.6%0.65%0.42%1.0%95.7%11.6%
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Plumas BankCohort median
20212026Change20212026Change
Loans$735M$1.52B+106%$984M$1.53B+55%
Deposits$1.13B$1.89B+67%$1.43B$1.83B+28%
NPA / loans0.93%1.55%+0.62 pts0.31%0.56%+0.25 pts
Efficiency46.0%51.3%+5.3 pts61.1%57.7%-3.4 pts
ROA1.49%1.79%+0.30 pts1.02%1.11%+0.09 pts

This read was prepared for Plumas Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Plumas Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.plumasbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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