secwatch.observer — SEC 8-K summary
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Issuer:     PLUMAS BANCORP (PLBC)
CIK:        0001168455
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0001437749-26-001596
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1168455/000143774926001596/0001437749-26-001596-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1168455/000143774926001596/plbc20260119_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-001596

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer