Plumas Bancorp (PLBC) investor relations material

Executive summary

• Total assets reached $2.3 billion as of June 30, 2026, with 19 branches and a diversified business model focused on retail and commercial banking.

• Achieved record Q2 2026 net income of $9.96 million ($1.43/share), up 57.6% year-over-year; six-month net income rose 46% to $19.7 million ($2.83/share).

• Results reflect the integration of the Cornerstone Community Bancorp acquisition completed July 2025, which added $658 million in assets, $478 million in loans, and $580 million in deposits.

• Strong growth in loans, deposits, and equity, with continued focus on asset quality and prudent underwriting.

Financial highlights

• Net interest income for Q2 2026 was $26.0 million, up 43% year-over-year; six-month net interest income was $51.1 million, up 39%.

• Net interest margin improved to 5.13% in Q2 2026 from 4.83% a year earlier; for six months, 5.08% vs. 4.89%.

• Non-interest income for Q2 2026 rose to $2.8 million; six-month non-interest income was $5.7 million.

• Non-interest expense for Q2 2026 increased to $14.5 million, mainly due to the Cornerstone acquisition.

• Provision for credit losses decreased to $600,000 for the quarter and $270,000 for six months.

Outlook and guidance

• Management highlights ongoing focus on personalized banking, digital services, prudent capital management, and flexibility for organic growth and shareholder returns.

• Management expects continued integration benefits from the Cornerstone acquisition and ongoing focus on commercial lending.

• Forward-looking statements caution about economic, regulatory, and market uncertainties.