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Plumas Bancorp (PLBC) investor relations material
Plumas Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Retail and commercial banking model focused on personalized relationships and digital services, with significant expansion through the acquisition of Cornerstone Community Bancorp, adding branches, talent, and $658 million in assets.
Net income for Q3 2025 was $5.1 million ($0.74 per share), down 34.3% year-over-year, with diluted EPS falling to $0.73 from $1.31.
For the nine months ended September 30, 2025, net income was $18.6 million ($2.98 per share), compared to $20.9 million ($3.54 per share) in the prior year period.
Excluding merger-related items, Q3 2025 non-GAAP net income was $9.5 million ($1.35 per share), and nine-month non-GAAP net income was $23.8 million ($3.74 per share).
Recognized as a top-performing community bank by multiple industry organizations from 2015–2025.
Financial highlights
Net interest income for Q3 2025 increased by $6.3 million year-over-year to $25.2 million; for the nine months, it rose by $7.2 million to $61.9 million.
2024 net income was $28.6 million, a 3.9% decrease from 2023; net interest margin improved to 4.79%.
Total assets at year-end 2024 were $1.62 billion, up 0.8% from 2023; deposits grew 2.8% to $1.37 billion.
Book value per share increased by $5.24 (17%) to $35.38.
Provision for credit losses rose by $5.8 million in Q3 and $5.1 million for the nine months, reflecting loan growth and acquisition impacts.
Outlook and guidance
EPS accretion from the Cornerstone acquisition was negatively impacted by fair value mark amortization.
Management expects cost of funds to decrease slightly following the acquisition and recent Fed rate reduction.
Integration of Cornerstone is ongoing, with expectations for long-term value creation and improved net interest margin.
Retention of acquired employees exceeded expectations, supporting succession planning.
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