Plumas Bancorp Q2 net income $6.3M ($1.07 EPS) down 7% YoY; credit quality weakens

PLUMAS BANCORP

2025-Q2 EPS reported $2.25 revenue$1,486,000

Net income $6.3M, EPS $1.07 diluted $1.05; down from $6.8M/$1.15 diluted $1.14 in Q2 2024.
Nonperforming loans jumped to $13.6M (1.34% of loans) from $9.0M; one ag relationship of $9.9M placed on nonaccrual.
Merger with Cornerstone Community Bancorp completed July 1, 2025; $481K merger costs in Q2, $1.1M in H1.
Net interest margin narrowed to 4.83% from 4.89%; net interest income fell $222K to $18.2M.
Book value per share up 16% to $32.54; total deposits grew 5% to $1.4B.

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