---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-001596"
form_type: "8-K"
ticker: "PLBC"
cik: "0001168455"
company_name: "PLUMAS BANCORP"
filed_at: "2026-01-21T23:59:59+00:00"
generated_at: "2026-05-16T09:13:27.823667+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Plumas Bancorp Q4 net income rises to $10.9M; full-year EPS dips to $4.54 on merger costs

## Summary
- Q4 2025 net income $10.9M ($1.58 diluted EPS) vs $7.7M ($1.29) a year ago; annualized ROAA 1.93%.
- Full-year 2025 net income $29.6M ($4.54 diluted EPS) vs $28.6M ($4.80) in 2024; ROAA fell to 1.52% from 1.74%.
- Acquired Cornerstone Community Bancorp Jul 1, 2025: $658M assets, $478M loans, $580M deposits; merger costs $7.3M pre-tax.
- Nonperforming loans surged to $15.1M from $4.1M, driven by one $9.8M agricultural relationship; NPA ratio rose to 0.68%.
- Net interest margin improved to 5.00% in Q4 from 4.90%; book value per share up 24% to $37.52.

## SEC filing metadata
- accession: 0001437749-26-001596
- form_type: 8-K
- ticker: PLBC
- cik: 0001168455
- company_name: PLUMAS BANCORP
- filed_at: 2026-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1168455/000143774926001596/0001437749-26-001596-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1168455/000143774926001596/plbc20260119_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-001596
- JSON: https://secwatch.observer/filing/0001437749-26-001596.json
- Plain text: https://secwatch.observer/filing/0001437749-26-001596.txt

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