Plumas Bancorp Q1 EPS $1.21, up 14% YoY; NIM expands to 4.95%

PLUMAS BANCORP

2025-Q1 EPS reported $1.20 revenue$705,000

Net income $7.2M ($1.20 diluted) vs $6.3M ($1.05) in Q1 2024; revenue net interest income $18.5M (+$1.1M).
Net interest margin 4.95% vs 4.62% a year ago; provision for credit losses fell to $250K from $821K.
Non-interest income boosted by $1.1M Dixie Fire settlement; merger-related costs of $569K for Cornerstone acquisition.
Loans +3.5% to $1.0B; deposits +5.6% to $1.4B; borrowings down 87.5% to $15M; book value per share $31.68 (+15.7%).
Nonperforming loans fell to $3.7M (0.36% of loans) from $5.6M (0.57%); net charge-offs dropped to $127K.

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