BlastPoint

BlastPoint's Banking Scorecard

Plumas Bank

$1B-$10B Specialty: Commercial CA FDIC cert 23275

Designations: ✓ Community bank

Quincy, CA

20 branches across CA · NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +37.0% year over year ($1.9B on the books).
  • Delinquency rate 1.57%.
  • Return on assets 1.80%.
  • Efficiency ratio 49.26% vs a 59.73% peer average.
  • Loan-to-deposit ratio 79.09% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Plumas Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 8.8% in tier
  • + ROA 0.41% above tier average
  • + Efficiency Ratio 10.47% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.70% above tier average
Get updates when Plumas Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $2.3B
+39.9% YoY +3.5% QoQ
-$515.8M $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $1.5B
+48.6% YoY +0.7% QoQ
-$467.0M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $1.9B
+37.0% YoY +6.4% QoQ
-$427.1M $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 1.80%
+5.3% YoY +0.8% QoQ
+0.41% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 5.16%
+3.5% YoY -0.1% QoQ
+1.29% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Top 4.3% in tier
Efficiency Ratio ? 49.26%
-4.9% YoY -3.6% QoQ
-10.47% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 1.57%
+15.7% YoY +64.6% QoQ
+0.70% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 14.4% in tier
Loan-to-Deposit Ratio ? 79.09%
+8.5% YoY -5.4% QoQ
-5.94% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 46.03%
-6.8% YoY -1.5% QoQ
+24.76% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 2.5% in tier
Nonperforming Asset Ratio ? 1.04%
+22.8% YoY +58.4% QoQ
+0.36% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 11.77%
-34.4% YoY -24.1% QoQ
-3.08% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.21%
-33.6% YoY +93.4% QoQ
-0.32% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 46.0%
-3.4pp YoY
-0.7pp QoQ
 +24.7pp 21.4% 25.5% 22.2% 97%
Brokered Deposits 0.5%
0.0pp QoQ
 -8.9pp 9.5% 11.0% 8.5% 12%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 11.5%
+3.5pp YoY
+0.6pp QoQ
 -2.5pp 14.0% 11.8% 12.5% 52%
CRE 71.0%
+0.1pp YoY
-0.1pp QoQ
 +21.0pp 50.0% 67.5% 41.4% 89%
1-4 Family 5.9%
+0.6pp YoY
0.0pp QoQ
 -20.5pp 26.4% 16.5% 31.3% 8%
Consumer 3.0%
-2.6pp YoY
-0.4pp QoQ
 -1.7pp 4.7% 5.3% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 23.7% 19.7% n/a
Leverage Ratio 11.8%
-0.9pp YoY
+0.2pp QoQ
 +0.5pp 11.3% 14.5% 12.6% 74%
Total Capital Ratio n/a n/a 16.7% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 239
+57 (+31.3%) YoY
+7 (+3.0%) QoQ
 -75 313 337 482 51%
Assets per Employee ($) $9.5M
+6.5% YoY
+0.5% QoQ
 -$953K $10.5M $11.3M $8.8M 61%
Branch Count 20
+4 (+25.0%) YoY
0 QoQ
 -0 20 15 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp QoQ
 0.0pp 0.2% 0.3% 0.4% 78%
Nonaccrual 1.5%
+0.1pp YoY
+0.5pp QoQ
 +0.6pp 0.8% 1.4% 1.0% 85%
Allowance Coverage 0.84x
-19.2% YoY
-38.3% QoQ
 -17.87x 18.71x 17.11x 20.23x 18%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 14.5%
-0.2pp YoY
+0.1pp QoQ
 +1.9pp 12.6% 8.2% 11.6% 69%
Cost of Funds (YTD) 0.8%
+0.2pp YoY
0.0pp QoQ
 -1.1pp 1.9% 1.9% 1.7% 3%
Net Income ($, YTD) $20.1M
+44.8% YoY
— QoQ
 +$904K $19.2M $28.5M $40.4M 70%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#8 of 80 • Top 8.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 46.03%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.16%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

23
Non-Interest-Bearing Deposit Share
funding
Value: 46.03%
Peer Median: 21.27%
#23 of 885 Top 2.5% in $1B-$10B
39
Net Interest Margin
profitability
Value: 5.16%
Peer Median: 3.87%
#39 of 885 Top 4.3% in $1B-$10B
156
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.39%
#156 of 885 Top 17.5% in $1B-$10B
188
Efficiency Ratio
profitability
Value: 49.26%
Peer Median: 59.73%
#188 of 885 Top 21.1% in $1B-$10B

Top Weaknesses (2 metrics)

756
Delinquency Rate
credit_quality
Value: 1.57%
Peer Median: 0.87%
#756 of 882 Bottom 14.4% in $1B-$10B
700
Nonperforming Asset Ratio
credit_quality
Value: 1.04%
Peer Median: 0.67%
#700 of 885 Bottom 21.0% in $1B-$10B
Powered by BlastPoint © 2026