# PLUMAS BANK
QUINCY, CA · FDIC certificate 23275 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.28B | |
| Deposits | $1.89B | |
| Loans and leases | $1.52B | |
| Total equity | $281.5M | |
| Loans / deposits | 79.09% (p30 of band) | 87.10% |
| Liquid assets / assets | 26.41% (p68 of band) | |
| Uninsured deposits / deposits | 42.88% (p79 of band) | 30.76% |
| Brokered deposits | 0.44% | |
| Wholesale funding | 3.04% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.77% (p74 of band) | 10.50% |
| Unrealized securities loss / equity | -6.85% (p54 of band) | -7.75% |
| AOCI / equity | -1.10% (p16 of band) | |
| ROA (annualized) | 1.80% (p82 of band) | 1.26% |
| Net interest margin | 5.16% (p96 of band) | 3.70% |
| Efficiency ratio | 49.26% (p22 of band) | |
| Noncurrent loans | 1.55% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p58 of band) | |
| Reserve coverage of noncurrent | 84.10% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 12.40% (p12 of band) | |
| Auto loans | $30.5M (2.01% of loans; DQ 4.87%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 37.0% | |
| Employees | 239 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 2 | capital falling | charge-offs p90 |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | deposits shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-03 [Plumas Bank names Jack Prescott as Executive Vice President and Chief Banking Officer - Carson Now](https://news.google.com/rss/articles/CBMivwFBVV95cUxNQzVpT3VqTUczV3JjbG16SjV3dGhDdWJZcUp3Wl9oS3JjamVmMWwwS3Utbl93WjZPLUZBUE9tQno0eWF4Q3dYVjU5QUZBMnNOM0xjcUdWSW1PSWRqT0hyQ01UYjlCY05mZTFFRFl0WEQzU3ppY2V4WW9XTWtnVkVBaWxlbnpxekZSeTNxSkhMZmdyX1pmQkN5VlhfZHNPdDFpaG5WQTNfQUxROFJWbEJTdEd4ek83OUZGNkxXRzcwSQ?oc=5) · Carson Now
- 2025-12-02 [Welcoming a New Regional President Enables Local Expertise and Organic Growth - Comstock's magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxPVWNlbVRoSlNULVItbmhETzIyQ0ZPa0pELWsyM3lUZEhSUmpfWmpESFNGSmZma0VmSFdmdnRWSU5faXNiRTZra3ZpeEU0RWRLY2FfT0Y4NjE1a1hOUGFCSEszRkVjYUZiRVY2MTIzUnVGeTB3aXBQUjJRVllxWmtHNk16d21uRUJjcEljYTZTSlYyLU5BODZFb0lENGRjTVNCbXpzcHlQS2wtNV9DQkJXb1FZWHk?oc=5) · Comstock's magazine
- 2026-02-09 [Chico's Plumas Bank showcases Lenn Goldmann's landscapes - actionnewsnow.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQcUUxSS1qbll6QV9JUjNHbE04Y2xMTEg2am9yNnNWWW4zYV9qZWltbHZIMm1fcTg0ZUhTRDV3ZllJY3Bock4tVDd6VnpweXc1amFPZHZOWm9fc25DY1pJRG00OGNuY0lDa1RHMFVtYnRoVUo4UzI1eGZVWHpoOC0xejdQV0xSOVdXZmlQREhOS3BhQktOQ2lwamVyQkVlckFzelYyNExma0M1MVB2T0tXZFdaLTdVdHQwYlpWM2RWYzdQd0pZOGhLeURRMVU5QmN6bHVPQ2Rn?oc=5) · actionnewsnow.com
- 2026-03-17 [Plumas Bank donates $30,000 to support financial literacy, small business development - Carson Now](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOVmdGelRHNjRRc0NmN3hzYlE4V2g1a3F0U1JBYjFzSlZkWUxvQkMwMEV1N3ZxSGpXdkc3WmtaZHZ0RklzUGFOQ0xHaDZDZ2JDY2J3Q3VsVVJXWHZnejdMR2QtQVF2TjN0SXNKNzNBOGlrTW5UdVF6am1lX1FvX2tubnREZ29QMzB5X0VfdTJXNDBic1ltcUVNX0libTVqNjFhUld1VXZESml1RjV3TGVuR0JrX3huSUpxQUs0?oc=5) · Carson Now
- 2025-08-04 [Plumas Bank announces staff promotions - The Plumas Sun](https://news.google.com/rss/articles/CBMifEFVX3lxTE9Rc213VlJoZU1qc1lFREsyQXpRZDdwVnlOY3V1bTZkNEpBOEt3MkNTMXpQS28zdXl5WUFWSS1Nb1pNSTJ3SUIyWkdlNlJZaFFONldvVVNVenZvR1VUMmdabUtPTHBCLTcweDNvZWUxLWp2RWJPUE1hYmJ1eGw?oc=5) · The Plumas Sun
- 2023-09-28 [Banking on art: Plumas Bank and Museum of Northern California Art launch rotating local artist showcase - krcrtv.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQSkdWYkljRV91ZTZqSmZuX0FtbnkyS0JGVTB4VXVjWkgxQl9uYUtDMVFWYVNpbGNFdHR6Ti1GVzVxUkVSOURFc195dFB4MW1sNElKSTM2LWpxQ3hvX3RKak5JR0d1LTEteGJ1Yzc5dTVNYzZIS0c3Nko0MG1HTUVxZzA3dU9zRGFmdF9fOExBQUZOR05LTEc1NTVmVzJIeEhneXA0TE4zV1B3Qy0zdTRtV01MWXFLc0tPaDRlc1N6VlFCZzlna1RZclc1SGo?oc=5) · krcrtv.com
- 2021-12-14 [Northern Nevada GIVES: Plumas Bank (sponsored) - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMiigFBVV95cUxOWkczYU5CWW1ld1dIQm9BQkNlMDJvdEdPeHBtdjd4N3VCUzFqQU1EaGlnSUl5LXFKaHVYLXlvZ3l1NVBhMGM3X0Zhbmd4M0JNcWxYQUZhdVVXcXhLUy16eFlpbldzU1dBMTZKZzlWcEZXRVdObEN2ODJvQXoybUlvTnJXdEY5TlRTcWc?oc=5) · Northern Nevada Business Weekly
- 2025-12-12 [Plumas Bank in Susanville celebrates 45 years serving the community - Lassen News](https://news.google.com/rss/articles/CBMimgFBVV95cUxNYTk3VEhuc3V5VWdtRTZBa0lxcjBlRlhmRzhiMVg5LTJLRExhbWJ0Nm9kelQ0TmxPcFBXeG9VQkxxWU5WanVHelRtTVU3MW5ad0xYWGxRNjZWWldvRUtYMFJTZGRTTVpOay1qa21XZlF6RmVGQnhBTzNQOHpsMWw4LTF5RUpZbVdfM0l6akt0cDBzUUh6UUZ2NnNn?oc=5) · Lassen News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23275 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "23275", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide