TellerScore

Plumas Bank (FDIC certificate #23275) is based in Quincy, California. Its Q2 2026 call report shows $2.3B in total assets and $1.9B in deposits and 19 offices across 2 states.

Plumas Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 72nd. Earnings contributes the most (92/100, 1.80%); loan quality contributes the least (48/100, 1.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.77%
Loan quality48/100
Noncurrent loans ÷ total loans: 1.55%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 79.1% · 42.9% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.84%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (72 → 67), mostly because the funding & liquidity component weakened by 12 points.

TellerScore
667482Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202478
Q4 202480
Q1 202582
Q2 202572
Q3 202566
Q4 202569
Q1 202672
Q2 202667
Tier 1 leverage ratio
5.00%8.83%12.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.31%
Q3 202411.31%
Q4 202411.92%
Q1 202512.34%
Q2 202512.66%
Q3 202510.56%
Q4 202511.11%
Q1 202611.59%
Q2 202611.77%
Noncurrent loans
0.36%0.96%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.90%
Q3 20240.44%
Q4 20240.40%
Q1 20250.36%
Q2 20251.34%
Q3 20251.00%
Q4 20251.00%
Q1 20260.94%
Q2 20261.55%
Return on assets
1.45%1.63%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.65%
Q3 20241.75%
Q4 20241.80%
Q1 20251.81%
Q2 20251.71%
Q3 20251.45%
Q4 20251.64%
Q1 20261.79%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$2.3B11.77%1.55%1.80%79.1%
Q1 202672$2.2B11.59%0.94%1.79%83.6%
Q4 202569$2.2B11.11%1.00%1.64%82.2%
Q3 202566$2.2B10.56%1.00%1.45%80.7%
Q2 202572$1.6B12.66%1.34%1.71%72.9%
Q1 202582$1.6B12.34%0.36%1.81%72.2%
Q4 202480$1.6B11.92%0.40%1.80%72.7%
Q3 202478$1.7B11.31%0.44%1.75%72.9%
Q2 202473$1.6B11.31%0.90%1.65%75.0%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.77%
74th
Total risk-based capital0.00%
13th
Problem loans1.55%
14th
Net charge-offs0.06%
42nd
Return on assets1.80%
83rd
Net interest margin5.16%
96th
Efficiency ratio49.3%
78th
Loans to deposits79.1%
70th
Uninsured deposits42.9%
21st
Loan-loss reserves1.30%
70th
Texas ratio7.8%
24th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
El Dorado Savings Bank, F.S.B.Bank Placerville, CA84 out of 100, Strong$2.4B13.4%0.28%vs
Beneficial State BankBank Oakland, CA43 out of 100, Below average$2.0B11.2%2.53%vs
Montecito Bank & TrustBank Santa Barbara, CA69 out of 100, Moderate$2.0B11.3%0.17%vs
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Oak Valley Community BankBank Oakdale, CA76 out of 100, Strong$2.0B11.5%0.00%vs
United Business BankBank Walnut Creek, CA60 out of 100, Moderate$2.6B11.7%0.47%vs

Deposit insurance

Is my money safe at Plumas Bank?

Yes. Plumas Bank is an FDIC-insured institution (FDIC certificate #23275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.9% of deposits ($811.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Plumas Bank lists 18 offices in 17 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Plumas Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
23275
RSSD ID
670467
Primary regulator
FED
Holding company
Plumas Bcorp
Established
December 13, 1980
Headquarters
336 Main St, Quincy, CA 95971
Employees
239

Quick answers

Plumas Bank: common questions

Is Plumas Bank FDIC insured?

Yes. Plumas Bank is an FDIC-insured institution (FDIC certificate #23275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Plumas Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Plumas Bank ever failed?

There is no failure record for FDIC certificate #23275 in the FDIC failed bank list.

How many branches does Plumas Bank have?

19 offices as of the latest FDIC data, in 2 states.