{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-001172","form_type":"8-K","ticker":"PLBC","cik":"0001168455","company_name":"PLUMAS BANCORP","filed_at":"2025-01-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.072939+00:00","generated_at":"2026-05-28T00:51:48.189807+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Plumas Bancorp reports full-year net income $28.6M ($4.85 EPS), down 4% from 2023","bullets":["Q4 net income $7.7M ($1.31 basic EPS) vs $7.5M ($1.28 basic EPS) in Q4 2023.","Full-year EPS decreased to $4.85 from $5.08; ROAA fell to 1.74% from 1.88% and ROAE fell to 17.2% from 23.4%.","Net interest margin expanded to 4.79% for the year (4.71% in 2023); loans grew 6% to $1B, deposits up 3% to $1.4B.","Non-interest income declined $1.9M largely due to a $19.9M gain on building sale offset by $19.8M investment loss and absence of 2023 swap termination gain.","Nonperforming assets improved to 0.27% of total assets (down from 0.33%); allowance for credit losses 1.30% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-001172","json":"https://secwatch.observer/filing/0001437749-25-001172.json","markdown":"https://secwatch.observer/filing/0001437749-25-001172.md","text":"https://secwatch.observer/filing/0001437749-25-001172.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1168455/000143774925001172/0001437749-25-001172-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1168455/000143774925001172/plbc20250113_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T00:51:48.189807+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}