---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-033066"
form_type: "8-K"
ticker: "PLBC"
cik: "0001168455"
company_name: "PLUMAS BANCORP"
filed_at: "2026-10-21T13:00:12+00:00"
generated_at: "2026-10-21T13:01:10.735914+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Plumas Bancorp Q3 net income $11.4M ($1.64/sh) vs $5.1M; NIM 5.05%, ROAA 1.98%

## Summary
- Record Q3 net income of $11.4M, or $1.64/share ($1.61 diluted), up from $5.1M/$0.74 a year ago; ROAA 1.98% and ROAE 16.7% vs 0.90% and 8.5%.
- Net interest income $26.5M vs $25.2M; net interest margin rose 22 bps to 5.05%; provision for credit losses fell to $150K from $5.4M.
- Effective tax rate fell to 18.9% from 25.6% after purchasing $14.5M of green energy tax credits, though the tax provision still rose $877K to $2.6M.
- Deposits rose $47M (2.6%) to $1.9B, 46% non-interest-bearing; gross loans flat at $1.5B as $20M indirect auto runoff offset $35M commercial real estate growth.
- Nonperforming assets $21.3M (0.94% of assets) vs $15.2M; nonperforming loans 1.41% of loans; YTD net charge-offs $567K; ~80K shares repurchased for $4.2M.

## SEC filing metadata
- accession: 0001437749-26-033066
- form_type: 8-K
- ticker: PLBC
- cik: 0001168455
- company_name: PLUMAS BANCORP
- filed_at: 2026-10-21T13:00:12+00:00
- event_type: earnings
- sentiment: positive
- 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/1168455/000143774926033066/0001437749-26-033066-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1168455/000143774926033066/plbc20261019_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-033066
- JSON: https://secwatch.observer/filing/0001437749-26-033066.json
- Plain text: https://secwatch.observer/filing/0001437749-26-033066.txt

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