Plumas Bank (FDIC #23275): Bank Stress & Real-Estate Credit Exposure
Plumas Bank (FDIC Cert #23275): bank stress 46/100, moderate, STABLE over 7 days; parent PLUMAS BCORP.
Plumas Bank (#23275) lends in 11 counties across 2 states; Plumas Bank (#23275) reaches 191 ZIP codes: California 9 counties, 160 ZIPs; Nevada 2 counties, 31 ZIPs.
Plumas Bank (#23275) largest markets: Placer County, CA (68 branches, 34 ZIPs) (#23275), Shasta County, CA (150 branches, 30 ZIPs) (#23275), Washoe County, NV (28 branches, 28 ZIPs) (#23275), Butte County, CA (21 branches, 21 ZIPs) (#23275), Plumas County, CA (90 branches, 18 ZIPs) (#23275), Lassen County, CA (18 branches, 18 ZIPs) (#23275).
Plumas Bank (#23275) reports $2.28 billion in total assets; Plumas Bank (#23275) equity $281.5 million (12.4% of Plumas Bank (#23275) assets); Plumas Bank (#23275) domestic deposits $1.89 billion; Plumas Bank (#23275) net income $20.1 million; Plumas Bank (#23275) return on assets 1.80%; Plumas Bank (#23275) return on equity 14.54%; Plumas Bank (#23275) net interest income $52.2 million; Plumas Bank (#23275) call report June 30, 2026.
Plumas Bank (#23275) noncurrent real-estate loans 0.01% of its book; Plumas Bank (#23275) net charge-offs on real estate 1.33%; Plumas Bank (#23275) residential charge-offs 0.76%.
Plumas Bank (#23275) net interest margin 5.16% against an eight-quarter Plumas Bank (#23275) average of 5.07% (Plumas Bank (#23275) compression -0.08 points); Plumas Bank (#23275) real-estate loans 1.2% of equity; Plumas Bank (#23275) non-residential real estate 76.3% of equity; Plumas Bank (#23275) rate-exposure score 40/100, Plumas Bank (#23275) fixed-rate trap 40/100; Plumas Bank (#23275) risk type credit driven; Plumas Bank (#23275) rate regime rates elevated, Plumas Bank (#23275) snapshot October 19, 2026.
Plumas Bank (#23275) stress score moved from 44.3 on June 22, 2026 to 46.2 on October 19, 2026; Plumas Bank (#23275) ranged 44.3 to 46.2 over 116 snapshots.
Plumas Bank (#23275) alerts: 11 counties; top Plumas Bank (#23275) alert scores: Alturas County, CA 18 (low); Carson City County, CA 18 (low); Chico County, CA 18 (low); Quincy County, CA 18 (low); Red Bluff County, CA 18 (low).