BlastPoint's Banking Scorecard
Plumas Bank
Designations: ✓ Community bank
Quincy, CA
20 branches across CA · NV
Plumas Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 9.3% in tier
- + ROA 0.42% above tier average
- + Efficiency Ratio 9.95% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+34.7% YoY
-1.7% QoQ
|
-$616.2M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$1.5B
+48.5% YoY
-0.6% QoQ
|
-$478.4M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$1.8B
+28.3% YoY
-2.2% QoQ
|
-$564.6M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
1.79%
-1.6% YoY
+8.8% QoQ
|
+0.42% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
5.16%
+2.8% YoY
-1.6% QoQ
|
+1.34% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 4.6% in tier |
| Efficiency Ratio ? |
51.11%
-0.6% YoY
+8.1% QoQ
|
-9.95% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? |
0.95%
+158.7% YoY
-5.5% QoQ
|
+0.06% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
83.57%
+15.7% YoY
+1.6% QoQ
|
-0.64% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
46.75%
-6.0% YoY
-0.9% QoQ
|
+25.46% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 2.3% in tier |
| Nonperforming Asset Ratio ? |
0.65%
+182.9% YoY
-4.4% QoQ
|
-0.02% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
15.50%
-12.8% YoY
+4.7% QoQ
|
+0.34% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.11%
-40.5% YoY
-84.2% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
36% |
Get Full Access to Plumas Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.