Logotype for Plumas Bancorp

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.
Logotype for Plumas Bancorp
Q3 2025 earnings summary15 Oct, 2025

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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Plumas Bancorp earnings date

Logotype for Plumas Bancorp
Q4 202516 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Plumas Bancorp earnings date

Logotype for Plumas Bancorp
Q4 202516 Jan, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage