Plumas Bancorp Q3 net income $5.1M ($0.74/sh) down 35% YoY; acquired Cornerstone

PLUMAS BANCORP

2025-Q3 EPS reported $2.94 revenue$2,303,000

Net income $5.1M, down from $7.8M in Q3 2024; diluted EPS $0.73 vs $1.31.
Provision for credit losses surged $5.8M; nonperforming loans at 1.0% of loans (up from 0.44%).
Acquisition of Cornerstone Community Bank closed July 1; added $658M assets, $478M loans, $580M deposits; $6.2M nonrecurring costs.
Non-GAAP net income $9.5M, diluted EPS $1.35 excluding acquisition expenses; net interest margin 4.83% vs 4.76%.
Book value per share $35.38, up 17% YoY; intends to redeem $10M subordinated notes Dec 30, 2025.

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