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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.Q3 2025 earnings summary15 Oct, 2025
Executive summary
Completed acquisition of Cornerstone Community Bancorp on July 1, 2025, expanding the branch network and increasing total assets to $2.2 billion at quarter-end.
Net income for Q3 2025 was $5.1 million ($0.73 per share), down from $7.8 million ($1.31 per share) in Q3 2024; YTD net income was $18.6 million, down from $20.9 million YTD 2024.
Results were significantly impacted by the Cornerstone acquisition, with non-recurring merger-related expenses and increased non-interest expenses.
Excluding $6.2 million in non-recurring merger-related expenses, Q3 2025 non-GAAP net income was $9.5 million ($1.35 per share), with a ROAA of 1.66%.
Recognized as a top-performing community bank by multiple industry organizations from 2015–2025.
Financial highlights
Total assets rose to $2.2 billion from $1.6 billion at year-end 2024, mainly due to the Cornerstone acquisition.
Net interest income for Q3 2025 was $25.2 million, up from $18.9 million in Q3 2024; YTD net interest income was $61.9 million, up from $54.7 million YTD 2024.
Provision for credit losses increased to $5.4 million in Q3 2025 from a recovery of $0.4 million in Q3 2024; YTD provision was $6.5 million, up from $1.3 million YTD 2024.
Non-interest expense for Q3 2025 was $15.1 million, up from $10.8 million in Q3 2024; YTD non-interest expense was $37.6 million, up from $31.6 million YTD 2024.
Book value per share increased by $5.24 (17%) to $35.38.
Outlook and guidance
Management expects continued integration of Cornerstone to drive further growth in loans and deposits, with long-term value creation and improved net interest margin.
Excluding non-recurring merger-related expenses, core profitability and capital ratios remain robust.
Management expects cost of funds to decrease slightly following the acquisition and recent Fed rate reduction.
Retention of acquired employees exceeded expectations, supporting succession planning.
Project future FV mark impact on pretax earnings
Assess risk from variable rate loan repricing
Evaluate effectiveness of cost of funds strategy
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Next Plumas Bancorp earnings date
Q4 202516 Jan, 2026
Next Plumas Bancorp earnings date
Q4 202516 Jan, 2026
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Frequently asked questions
Plumas Bancorp is a bank holding company that operates through its principal subsidiary, Plumas Bank, a full-service community bank. The bank provides a variety of financial services to small and medium-sized businesses, as well as individuals, primarily in Northeastern California and Northwestern Nevada. Its offerings include various deposit products such as checking, savings, money market accounts, and retirement accounts. Plumas Bank's loan portfolio covers commercial real estate, industrial loans, agricultural loans, residential real estate, and construction and land development loans. Additionally, the bank provides services like remote deposit, online and mobile banking, and Small Business Administration (SBA) loans. The company is headquartered in Reno, Nevada, and its shares are listed on the NASDAQ.
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