The bank maintains a fortress-like capital structure with an equity-to-assets ratio of 12% as of 2026Q1, supporting its asset base expansion to $2.2 billion.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 |
|---|
| Cash & Short Term Investments | 2.05B | 469.33M | 519.75M | 574.84M | 628.13M | 686.5M | 364.52M | 206.26M | 218.19M | 225M | 164.24M | 164.9M | 135.89M | 140.26M | 125.64M | 120.99M | 64.63M | 59.49M | 18.79M | 13.21M | 11.29M | 17.27M | 11.44M | 24.72M | 22.66M | 10.09M |
| Cash & Due from Banks | 62.88M | 80.62M | 82.02M | 85.66M | 183.43M | 380.58M | 184.91M | 46.94M | 46.69M | 87.54M | 62.65M | 68.19M | 45.57M | 49.92M | 44.67M | 63.08M | 64.63M | 59.49M | 18.79M | 13.21M | 11.29M | 17.27M | 11.44M | 24.72M | 22.66M | 10.09M |
| Short Term Investments | 469.73M | 388.72M | 437.74M | 489.18M | 444.7M | 305.91M | 179.61M | 159.32M | 171.51M | 137.47M | 101.59M | 96.7M | 90.32M | 90.34M | 80.96M | 57.92M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 1.96B | 1.97B | 1.44B | 1.44B | 1.35B | 1.17B | 880.41M | 775.36M | 734M | 619.71M | 558.17M | 493.54M | 457.11M | 424.72M | 391.24M | 345.35M | 370.17M | 411.36M | 397.45M | 404.59M | 426.77M | 417M | 377.14M | 331.02M | 267.56M | 226.62M |
| Investments Growth % | 154.76% | 36.68% | 0.37% | 6.43% | 15.81% | 32.5% | 13.55% | 5.63% | 18.44% | 11.03% | 13.1% | 7.97% | 7.63% | 8.56% | 13.29% | -6.7% | -10.01% | 3.5% | -1.77% | -5.2% | 2.34% | 10.57% | 13.93% | 23.72% | 18.07% | - |
| Long-Term Investments | 5.56B | 1.58B | 1.01B | 948.6M | 906.27M | 860.66M | 700.79M | 616.04M | 562.5M | 482.25M | 456.58M | 396.83M | 366.79M | 334.37M | 310.27M | 287.43M | 370.17M | 411.36M | 397.45M | 404.59M | 426.77M | 417M | 377.14M | 331.02M | 267.56M | 226.62M |
| Accounts Receivables | 59.88M | 0 | 0 | 0 | 47.02M | 28.66M | 18.31M | 14.37M | 15.39M | 12.62M | 12.12M | 11.38M | 9.1M | 10.61M | 12.13M | 13.97M | 15.43M | 20.69M | 10.31M | 10.18M | 9.2M | 9.23M | 8.66M | 16.68M | 9.96M | 8.78M |
| Goodwill & Intangibles | 34.73M | 35.32M | 5.5M | 5.5M | 5.5M | 5.5M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 475K | 648K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 24.21M | 24.21M | 5.5M | 5.5M | 5.5M | 5.5M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 10.52M | 11.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 475K | 648K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 24.08M | 53.26M | 36.83M | 21.87M | 18.1M | 16.42M | 14.02M | 14.63M | 14.29M | 11.35M | 11.77M | 12.23M | 11.64M | 12.52M | 13.27M | 13.46M | 14.43M | 14.54M | 15.76M | 14.67M | 15.19M | 11.4M | 9.79M | 10.31M | 9.32M | 8.13M |
| Other Assets | 33.93M | 96.9M | 55.87M | 59.6M | 16.02M | 16.33M | 13.93M | 13.89M | 14.03M | 14.21M | 13.26M | 13.94M | 15.44M | 17.96M | 16.5M | 19.5M | 19.35M | 21.38M | 14.04M | 9.43M | 9.45M | 16.25M | 8.36M | 5.29M | 15.27M | 20.65M |
| Total Current Assets | 620.92M | 469.33M | 519.75M | 574.84M | 675.15M | 715.15M | 382.84M | 220.63M | 233.59M | 237.62M | 176.36M | 176.28M | 145M | 150.87M | 137.76M | 134.97M | 80.06M | 80.19M | 29.1M | 23.39M | 20.49M | 26.51M | 20.11M | 41.4M | 32.63M | 18.86M |
| Total Non-Current Assets | 1.58B | 1.77B | 1.1B | 1.04B | 945.89M | 898.92M | 728.74M | 644.56M | 590.81M | 507.8M | 481.61M | 423.01M | 393.86M | 364.86M | 340.04M | 320.38M | 404.42M | 447.93M | 428.07M | 429.73M | 452.75M | 446.3M | 397.24M | 348.86M | 292.83M | 256.23M |
| Total Assets | 2.2B | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B | 1.11B | 865.19M | 824.4M | 745.43M | 657.98M | 599.29M | 538.86M | 515.73M | 477.8M | 455.35M | 484.48M | 528.12M | 457.18M | 453.12M | 473.24M | 472.8M | 417.35M | 390.26M | 325.46M | 275.09M |
| Asset Growth % | 105.75% | 37.9% | 0.8% | -0.66% | 0.43% | 45.21% | 28.48% | 4.95% | 10.59% | 13.29% | 9.79% | 11.21% | 4.49% | 7.94% | 4.93% | -6.01% | -8.26% | 15.52% | 0.9% | -4.25% | 0.09% | 13.29% | 6.94% | 19.91% | 18.31% | - |
| Return on Assets (ROA) | 1.55% | 1.53% | 1.77% | 1.84% | 1.63% | 1.54% | 1.46% | 1.84% | 1.78% | 1.17% | 1.19% | 1.02% | 0.9% | 0.69% | 0.42% | 0.2% | 0.19% | -1.86% | 0.07% | 0.91% | 1.1% | 1.02% | 0.9% | 0.92% | 1.05% | 1% |
| Accounts Payable | 0 | 0 | 0 | 0 | 15.3M | 13.4M | 8.26M | 7.04M | 7.53M | 6.69M | 7.4M | 6.66M | 6.08M | 5.98M | 6.7M | 5.99M | 0 | 6.32M | 5.93M | 6.23M | 4.9M | 4.8M | 3.67M | 2.48M | 2.24M | 2.27M |
| Total Debt | 144.17M | 147.9M | 61.83M | 116.06M | 28.93M | 27.59M | 29.19M | 26.32M | 23.37M | 20.38M | 20.23M | 22.86M | 28.39M | 29.71M | 17.69M | 18.59M | 10.31M | 50.31M | 44.31M | 17.81M | 30.31M | 10.31M | 7.22M | 6.19M | 6M | 0 |
| Net Debt | 81.29M | 67.28M | -20.19M | 30.4M | -154.49M | -352.99M | -155.72M | -20.62M | -23.32M | -67.15M | -42.41M | -45.34M | -17.18M | -20.2M | -26.99M | -44.49M | -54.32M | -9.18M | 25.52M | 4.6M | 19.02M | -6.96M | -4.22M | -18.53M | -16.66M | -10.09M |
| Long-Term Debt | 0 | 21.01M | 15M | 90M | 10.31M | 10.31M | 15.31M | 10.31M | 10.31M | 10.31M | 12.69M | 15.19M | 18.76M | 20.61M | 10.31M | 10.31M | 10.31M | 30.31M | 10.31M | 10.31M | 10.31M | 10.31M | 6.19M | 6.19M | 6M | 0 |
| Short-Term Debt | 115.46M | 97.86M | 22.07M | 23.05M | 18.62M | 17.28M | 13.88M | 16.01M | 13.06M | 10.07M | 7.55M | 7.67M | 9.63M | 9.11M | 7.38M | 8.28M | 0 | 20M | 34M | 7.5M | 20M | 0 | 1.03M | 0 | 0 | 0 |
| Other Liabilities | 0 | 19.95M | 12.49M | 13.39M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11.29M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 1.91B | 1.91B | 1.39B | 1.36B | 1.49B | 1.47B | 996.11M | 770.38M | 747.16M | 679.42M | 597.3M | 541.61M | 483.6M | 464.53M | 425.64M | 405.4M | 424.89M | 459.58M | 411.43M | 405.67M | 427.08M | 431.36M | 383.27M | 358.33M | 296.18M | 254.47M |
| Total Non-Current Liabilities | 28.71M | 69.99M | 52.25M | 106.39M | 10.31M | 10.31M | 15.31M | 10.31M | 10.31M | 10.31M | 12.69M | 15.19M | 18.76M | 20.61M | 10.31M | 10.31M | 21.61M | 30.31M | 10.31M | 10.31M | 10.31M | 10.31M | 6.19M | 6.19M | 6M | 0 |
| Total Liabilities | 1.93B | 1.98B | 1.45B | 1.46B | 1.5B | 1.48B | 1.01B | 780.69M | 757.47M | 689.73M | 609.98M | 556.79M | 502.37M | 485.13M | 435.95M | 415.71M | 446.49M | 489.89M | 421.74M | 415.98M | 437.39M | 441.67M | 389.45M | 364.51M | 302.18M | 254.47M |
| Total Equity | 265.39M | 261.08M | 177.9M | 147.32M | 119M | 134.08M | 100.15M | 84.5M | 66.93M | 55.7M | 47.99M | 42.5M | 36.5M | 30.59M | 41.85M | 39.63M | 37.99M | 38.23M | 35.44M | 37.14M | 35.85M | 31.14M | 27.89M | 25.75M | 23.29M | 20.62M |
| Equity Growth % | 140.31% | 46.75% | 20.76% | 23.79% | -11.25% | 33.88% | 18.52% | 26.25% | 20.17% | 16.06% | 12.94% | 16.44% | 19.3% | -26.9% | 5.59% | 4.33% | -0.64% | 7.88% | -4.58% | 3.59% | 15.14% | 11.64% | 8.32% | 10.57% | 12.96% | - |
| Equity / Assets (Capital Ratio) | 12.06% | 11.66% | 10.96% | 9.15% | 7.34% | 8.31% | 9.01% | 9.77% | 8.12% | 7.47% | 7.29% | 7.09% | 6.77% | 5.93% | 8.76% | 8.7% | 7.84% | 7.24% | 7.75% | 8.2% | 7.58% | 6.59% | 6.68% | 6.6% | 7.16% | 7.49% |
| Return on Equity (ROE) | 13.34% | 13.49% | 17.6% | 22.36% | 20.9% | 17.94% | 15.68% | 20.49% | 22.82% | 15.79% | 16.52% | 14.73% | 14.12% | 9.47% | 4.79% | 2.42% | 2.55% | -24.83% | 0.84% | 11.57% | 15.53% | 15.34% | 13.59% | 13.38% | 14.37% | 13.38% |
| Book Value per Share | 37.52 | 40.06 | 29.81 | 24.83 | 20.13 | 24.02 | 19.15 | 16.16 | 12.82 | 10.74 | 9.41 | 8.40 | 7.33 | 6.27 | 8.75 | 8.30 | 7.95 | 8.57 | 7.33 | 7.42 | 7.03 | 6.12 | 5.58 | 5.18 | 4.73 | 4.31 |
| Tangible BV per Share | 32.61 | 34.64 | 28.89 | 23.90 | 19.20 | 23.03 | 19.15 | 16.16 | 12.82 | 10.74 | 9.41 | 8.40 | 7.33 | 6.27 | 8.75 | 8.30 | 7.85 | 8.42 | 7.33 | 7.42 | 7.03 | 6.12 | 5.58 | 5.18 | 4.73 | 4.31 |
| Common Stock | 75.15M | 75.67M | 29.04M | 28.03M | 27.37M | 26.8M | 7.66M | 7.31M | 6.94M | 6.42M | 5.92M | 6.47M | 6.31M | 6.25M | 6.09M | 6M | 0 | 0 | 0 | 0 | 0 | 4.41M | 4.01M | 3.94M | 3.74M | 2.35M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6M | 6.03M | 5.97M | 5.3M | 5.04M | 4.83M | 0 | 0 | 0 | 0 | 1.28M |
| Retained Earnings | 203.36M | 195.9M | 174M | 151.75M | 128.39M | 105.68M | 87.75M | 75.14M | 62.01M | 49.85M | 43.05M | 36.06M | 30.25M | 25.51M | 23.57M | 21.71M | 20.33M | 20.04M | 29.82M | 32.2M | 31.72M | 27.82M | 24.37M | 21.64M | 19.14M | 16.85M |
| Accumulated OCI | -13.11M | -10.49M | -25.14M | -32.46M | -36.76M | 1.6M | 4.75M | 2.05M | -2.02M | -570K | -972K | -42K | -60K | -1.16M | 329K | -5.84M | -52K | 622K | 317K | -107K | -692K | -1.09M | -492K | 166K | 410K | 148K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 11.86M | 11.77M | 11.68M | 11.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Geographic and sector concentration
According to the provided balance sheet data, Plumas Bancorp grew total assets from $1.6 billion in 2024Q1 to $2.2 billion by 2026Q1, indicating a deliberate expansion strategy that appears to be successfully leveraging the bank's pivot toward the high-growth Reno-Sparks economic corridor.
The asset growth trajectory suggests that management is effectively deploying capital into new markets while maintaining a consistent investment securities base. This expansion appears to be organic rather than acquisition-driven, which may imply a disciplined approach to scaling the balance sheet without compromising the bank's core underwriting standards.
As reported in the financial statements, the equity-to-assets ratio has remained stable at approximately 12% as of 2026Q1, reflecting a robust capital buffer that provides the institution with significant flexibility to absorb potential credit shocks or fund further regional expansion initiatives.
The bank's capital position appears exceptionally strong relative to its risk profile, suggesting that management prioritizes long-term solvency over aggressive leverage. This conservative stance may indicate that the bank is well-positioned to navigate potential volatility in its niche agricultural and tourism-dependent loan portfolios.
Based on the quarterly figures, cash and cash equivalents fluctuated between $62.9 million and $128.2 million over the last ten quarters, demonstrating an active liquidity management strategy that balances the need for immediate funding with the yield-seeking rotation of the bank's $2.0 billion investment securities portfolio.
The bank's liquidity profile appears healthy, with a substantial portion of assets held in investment securities that likely provide a secondary source of contingent funding. Investors should monitor whether the bank's reliance on these securities for liquidity could create duration risk if interest rates remain elevated for an extended period.
Data from the bank's historical filings suggests that the institution's heavy reliance on Northeastern California and Northern Nevada creates a localized risk profile, where any downturn in the regional agricultural or tourism sectors could disproportionately impact the bank's asset quality and overall financial stability.
While the bank's geographic focus provides a competitive moat, it also creates a vulnerability to idiosyncratic economic shocks that are not present in more diversified national institutions. The bank's ability to maintain its current performance levels may depend heavily on the continued economic resilience of the Reno-Sparks industrial hub.
Quick answers to the most common questions about buying PLBC stock.
As of 2025, Plumas Bancorp (PLBC) had total assets of $2.24B including $469.3M in current assets.
Plumas Bancorp (PLBC) carries total debt of $147.9M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Plumas Bancorp (PLBC) has total shareholders' equity (book value) of $261.1M ($40.06 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Plumas Bancorp (PLBC) reported a current ratio of 0.25x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.