---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-012121"
form_type: "8-K"
ticker: "PLBC"
cik: "0001168455"
company_name: "PLUMAS BANCORP"
filed_at: "2025-04-16T23:59:59+00:00"
generated_at: "2026-05-23T13:03:59.890586+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-25-012121
- form_type: 8-K
- ticker: PLBC
- cik: 0001168455
- company_name: PLUMAS BANCORP
- filed_at: 2025-04-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1168455/000143774925012121/0001437749-25-012121-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1168455/000143774925012121/plbc20250414_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-012121
- JSON: https://secwatch.observer/filing/0001437749-25-012121.json
- Plain text: https://secwatch.observer/filing/0001437749-25-012121.txt

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