---
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"
generated_at: "2026-05-28T00:51:48.189807+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Plumas Bancorp reports full-year net income $28.6M ($4.85 EPS), down 4% from 2023

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-001172
- JSON: https://secwatch.observer/filing/0001437749-25-001172.json
- Plain text: https://secwatch.observer/filing/0001437749-25-001172.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.