---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-022774"
form_type: "8-K"
ticker: "PLBC"
cik: "0001168455"
company_name: "PLUMAS BANCORP"
filed_at: "2025-07-16T23:59:59+00:00"
generated_at: "2026-05-18T06:10:50.408261+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-25-022774
- form_type: 8-K
- ticker: PLBC
- cik: 0001168455
- company_name: PLUMAS BANCORP
- filed_at: 2025-07-16T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/1168455/000143774925022774/0001437749-25-022774-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1168455/000143774925022774/plbc20250714c_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-022774
- JSON: https://secwatch.observer/filing/0001437749-25-022774.json
- Plain text: https://secwatch.observer/filing/0001437749-25-022774.txt

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