Plumas Bank: how it compares with its peers
Against 33 CA banks with half to twice its assets, Plumas Bank's strongest measure in Q2 2026 is net interest margin (5.16% vs. a 3.80% peer median). Its weakest relative measure is assets per employee ($9.5M vs. $10.8M).
| Measure | Plumas Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.80% | 1.14% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.16% | 3.80% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.26% | 56.55% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $10.8M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.09% | 89.27% | Context |
What it means for lending operations
Its efficiency ratio of 49.26% is better than the 56.55% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- El Dorado Savings Bank, F.S.B. Placerville, CA · $2.44B
- Beneficial State Bank Oakland, CA · $2.03B
- Montecito Bank & Trust Santa Barbara, CA · $2.02B
- Mission Bank Bakersfield, CA · $2.01B
- Oak Valley Community Bank Oakdale, CA · $2.00B
- United Business Bank Walnut Creek, CA · $2.56B
Questions about Plumas Bank
How big is Plumas Bank?
Plumas Bank, established in 1980, is headquartered in Quincy, CA. It reported $2.28B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Plumas Bank's return on assets?
1.80% annualized in Q2 2026, against a 1.14% median for 33 CA banks with half to twice its assets, ahead of 88% of them.
What is Plumas Bank's efficiency ratio?
49.26% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 56.55%, and lower is better.
Is Plumas Bank growing its loans?
Net loans grew 48.6% over the year to Q2 2026, while deposits grew 37.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.