Plumas Bank
Quincy, California, Plumas County
$2.3B in total assets, the 560th largest of 4,309 US banks and 42nd of 120 headquartered in California.
- FDIC certificate
- 23275
- Established
- 1980
- Owned by
- Plumas Bcorp
- Primary regulator
- FED
- Website
- http://www.plumasbank.com
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.3B | 39% | $2.9B | |
| Loans | $1.5B | 41% | $2.1B | |
| Deposits | $1.9B | 41% | $2.4B | |
| Return on assets | 1.75% | 84% | 1.21% | |
| Net interest margin | 5.16% | 96% | 3.80% | |
| Efficiency ratio | 49.3% | 37% | 54.4% | |
| Equity to assets | 12.36% | 65% | 11.31% | |
| Loans to deposits | 80% | 30% | 90% |
Growth
Total assets grew 12.4% a year over the last 5 years and 14.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2025 | Cornerstone Community Bank Red Bluff, CA | $658M |
| Jul 2021 | Bank of Feather River Yuba City, CA | $195M |
| Dec 1988 | Sierra Security Bank Susanville, CA | $17M |
Where they operate
20 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Shasta County, CA | $485M | 10.8% | 4 of 11 |
| Plumas County, CA | $464M | 81.9% | 1 of 2 |
| Lassen County, CA | $174M | 61.2% | 1 of 2 |
| Tehama County, CA | $139M | 13.9% | 5 of 8 |
| Modoc County, CA | $125M | 68.5% | 1 of 2 |
| Nevada County, CA | $123M | 4.9% | 6 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (12 to 20, +66.7%). 3 opened, 5 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2016 | Opened Redding | 1 | 0 | +1 | 13 |
| 2019 | Opened Carson City | 1 | 0 | +1 | 14 |
| 2021 | Acquired Bank of Feather River | 1 | 0 | +1 | 15 |
| 2023 | Opened Chico | 1 | 0 | +1 | 16 |
| 2025 | Acquired Cornerstone Community Bank | 4 | 0 | +4 | 20 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 58% | 47% | |
| Business (C&I) | 11% | 15% | |
| Multifamily | 10% | 13% | |
| Farmland | 7% | 2% | |
| 1-4 family residential | 6% | 14% | |
| Consumer | 3% | 2% | |
| Agricultural | 2% | 1% | |
| Construction and land | 2% | 3% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 46% | 28% | |
| Other interest-bearing | 41% | 49% | |
| Time deposits | 13% | 23% |
Brokered deposits are 0.5% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.49% | 0.43% |
| Net charge-offs, annualized | 0.06% | 0.05% |
| Reserves to loans | 1.30% | 1.25% |
| Leverage ratio | 11.77% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Shasta County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/plumas