---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-030970"
form_type: "8-K"
ticker: "PLBC"
cik: "0001168455"
company_name: "PLUMAS BANCORP"
filed_at: "2025-10-15T23:59:59+00:00"
generated_at: "2026-05-17T03:41:08.763969+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-25-030970
- form_type: 8-K
- ticker: PLBC
- cik: 0001168455
- company_name: PLUMAS BANCORP
- filed_at: 2025-10-15T23:59:59+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/1168455/000143774925030970/0001437749-25-030970-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1168455/000143774925030970/plbc20251014_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-030970
- JSON: https://secwatch.observer/filing/0001437749-25-030970.json
- Plain text: https://secwatch.observer/filing/0001437749-25-030970.txt

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