Plumas Bank
Plumas Bank is a Quincy, California-based community bank operating 19 branches across Northeastern California and Northern Nevada, serving SMBs, agricultural operators, commercial real estate borrowers, medical practices, and consumers with deposits, SBA lending, and digital banking as a subsidiary of Plumas Bancorp (NASDAQ: PLBC).
- Company typePublic
- Founded1980
- HeadquartersQuincy, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Plumas Bank does
Plumas Bank is a California-chartered community bank founded in 1980 and headquartered in Quincy, California, operating as the wholly-owned banking subsidiary of publicly-traded Plumas Bancorp (NASDAQ: PLBC). The bank delivers a full-service retail and commercial banking franchise across 19 branch offices in Northeastern California and Northern Nevada, complemented by loan production offices in California and Southern Oregon. Its primary customer segments are small-to-medium-sized businesses, agricultural producers and ranchers, commercial real estate borrowers, medical practices, and individual consumers across rural and small-metro markets.
The bank's product portfolio spans deposit products (checking, savings, certificates of deposit), consumer credit (personal loans, credit cards), and a deep commercial lending book including SBA 7(a) and 504 Preferred Lender loans, agricultural loans, commercial real estate loans, equipment financing, business lines of credit, and small business loans. The technology stack is a traditional community bank architecture built on a Q2-powered digital banking platform, with native iOS and Android apps, mobile deposit (with a $2,500 daily cap), and add-on modules including Positive Pay with payee match for business fraud protection, Card Controls for debit card security, and ClickSWITCH for customer switching. The bank's primary differentiator versus larger competitors is local decision-making authority, SBA Preferred Lender status enabling streamlined underwriting, and 10 consecutive years of "Best Bank" recognition in the North Lake Tahoe and Truckee markets.
Plumas Bank generates revenue primarily through net interest income on its loan portfolio—approximately $25.1 million in Q1 2026, up $6.6M year-over-year—supplemented by transaction-based non-interest income from deposit accounts, ATM fees, wire transfers, and fraud protection services like Positive Pay. SBA lending fees from Preferred Lender activity represent an additional transaction-based revenue stream. The bank monetizes via subscription pricing for fraud protection ($50/month per account), usage-based pricing for mobile deposit, and transaction-based pricing for ATM and debit card activity, while loan pricing varies by creditworthiness and product type with SBA 7(a) and 504 fixed rates of 7.5%–8.5%. The customer acquisition model is relationship-based, executed through the 19-branch distribution network, dedicated ag and commercial loan officers, digital channels, and community engagement including financial literacy programs, sponsorships, and a community photo contest.
Plumas Bank firmographics
Firmographics- Name
- Plumas Bank
- Legal name
- Plumas Bank
- Website
- https://plumasbank.com
- Company type
- Public
- Founded year
- 1980
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Plumas Bank is a Quincy, California-based community bank operating 19 branches across Northeastern California and Northern Nevada, serving SMBs, agricultural operators, commercial real estate borrowers, medical practices, and consumers with deposits, SBA lending, and digital banking as a subsidiary of Plumas Bancorp (NASDAQ: PLBC).
- Ownership category
- akta.pro rank
Plumas Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)
- SIC
- State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
- akta.pro secondary industries
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Plumas Bank is headquartered
LocationHeadquarters
- HQ city
- Quincy
- HQ country
- United States
- HQ region
- North America
Offices22 records
Markets served
Plumas Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest earned on loan portfolio including commercial, agricultural, real estate, and consumer loans. Primary revenue driver representing approximately $25.1 million quarterly net interest income as of Q1 2026.
- Non-Interest Income: Fee income from deposit accounts, ATM fees, wire transfer fees, and other banking service charges. Additional revenue from fraud protection services like Positive Pay.
- SBA Lending Fees: Fees generated from SBA 7(a) and 504 loan programs as a Preferred Lender with the U.S. Small Business Administration
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Positive Pay fraud protection service |
| Usage-based | Pay-as-you-go | Mobile Deposit service |
| Transaction based/ take rate | Pay-as-you-go | ATM and Debit Card transactions |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels8 records
Plumas Bank product offering
Product offeringCore offering
Plumas Bank is a full-service community bank offering deposit accounts (checking, savings, certificates of deposit), lending products (personal loans, credit cards, business loans, SBA 7(a) and 504 loans, agricultural lending, commercial real estate loans, equipment financing), and digital banking services (online banking, mobile banking). The bank operates 19 branch offices across Northeastern California and Northern Nevada, with loan production offices in California and Southern Oregon, and serves small-to-medium sized businesses, agricultural operators, medical practices, and individual consumers.
Product overview
Plumas Bank is a full-service community bank offering a unified product portfolio centered on personal and business banking services. The core offerings include deposit accounts (checking, savings, CDs), lending products (personal loans, credit cards, business loans, SBA loans, commercial real estate loans, agricultural lending, equipment financing), and digital banking platforms (online banking, mobile banking). The digital banking experience is enhanced through add-on modules including Card Controls for debit card security management, Positive Pay for business fraud protection, ClickSWITCH for account switching, and Merchant Processing for business payments. The bank also provides investment advisory services and maintains a network of 19 branch locations in Northeastern California and Northern Nevada.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
Quantifiable outcome
- 236% increase in online transactions during 2020 pandemic period
- +4 more outcomes
Companies that use Plumas Bank
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles5 records
Plumas Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
Plumas Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Pioneer Center for the Performing ArtsminorPlumas Bank announced a new Broadway partnership with Pioneer Center for the Performing Arts in April 2026, supporting arts and cultural programming in the Reno/Sparks community. The partnership represents community investment and arts patronage typical of regional community banks.
- Cornerstone Community BancorpcorePlumas Bancorp acquired Cornerstone Community Bancorp effective July 1, 2025, in a transaction valued at approximately $61.3 million. Each Cornerstone share was converted into Plumas stock and cash. The acquisition significantly expanded Plumas Bank's asset base, adding approximately $658 million in assets, $478 million in gross loans, and $580 million in deposits, along with expanded branch network. The acquisition aimed to combine Cornerstone's local expertise with Plumas's technology to enhance community services.
- Feather River Bancorp, Inc.corePlumas Bancorp completed its acquisition of Feather River Bancorp, Inc., effective July 1, 2021, in a transaction valued at approximately $23.4 million. The deal included a mix of cash and stock options for shareholders and increased Plumas Bancorp's total assets to around $1.4 billion.
- Sierra Arts FoundationminorSierra Arts Foundation collaborated as guest judges for Plumas Bank's Community Pride Photo Contest. The partnership engaged community members across 8 counties to submit photos showcasing local landscapes and community landmarks. Representatives from Sierra Arts Foundation including Executive Director Tracey Oliver and Director of Programming Tia Flores participated in selecting photo contest winners.
- Independent Community Bankers of America (ICBA)minorPlumas Bank President & CEO Andy Ryback was elected to represent Nevada on the ICBA Federal Delegate Board in April 2026. This board position enables participation in national community banking advocacy and policy development while representing Plumas Bank's interests in the broader community banking ecosystem.
- U.S. Small Business AdministrationcorePlumas Bank holds Preferred Lender status with the U.S. Small Business Administration, enabling the bank to make final credit decisions on SBA-guaranteed loans without submitting to SBA for approval. This creates a more streamlined and personal experience for small business borrowers seeking SBA 7(a) and 504 loans.
Scale indicators15 records
Recent moves7 records
Expansion highlights6 records
Plumas Bank competitors and assessment
Company assessmentDirect peers
- Mechanics Bank: Northern California community bank (now part of Heartland Financial/HTLF) with branches across the Bay Area, Sacramento Valley, and Central Coast. Comparable full-service community banking model with small business and SBA emphasis.
- Tri Counties Bank: California-headquartered community bank of similar size with branches across Northern and Central California. Directly comparable footprint, customer base, and SBA lending program.
- Premier Valley Bank: Fresno-based community bank serving California's Central Valley with comparable agricultural, commercial real estate, and SBA lending programs. Direct overlap in agricultural and small business segments.
- Bank of the Sierra: Community bank headquartered in Porterville, CA serving California's Central Valley and foothill regions. Overlapping agricultural and small business banking focus with similar branch distribution strategy.
Broad incumbents
- Banner Bank: Multi-state Pacific Northwest and Northern California community bank with similar SBA lending and small business banking focus. Larger scale but overlapping customer profile.
- Columbia Banking System: Large Pacific Northwest community bank holding company with overlapping SBA and small business banking services in Western states. Comparable operating model at greater scale.
- Westamerica Bancorp: Northern California-focused community bank holding company serving consumers and small businesses. Similar geographic concentration in California with comparable branch-based community banking model.
- Pacific Premier Bancorp: Larger California-based commercial bank with significant SBA Preferred Lender activity. Competes for SBA lending relationships and business banking in overlapping California markets.
- Glacier Bancorp: Mountain West community bank holding company known for decentralized community banking model and acquisition-driven growth strategy. Highly comparable playbook and capital allocation approach.
- CVB Financial (Citizens Business Bank): California-focused commercial bank with strong SMB and commercial real estate lending. Competes for similar business banking customers in California markets, including Central Valley regions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Plumas Bank social profiles
Digital presencePlumas Bank compliance and trust
Trust signalCompliance4 records
Plumas Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Plumas Bank leadership team
Management profileNumber of profiles
Profiles14 records
Plumas Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Plumas Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Plumas Bank M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Plumas Bank
What does Plumas Bank do?
Plumas Bank is a full-service community bank offering deposit accounts (checking, savings, certificates of deposit), lending products (personal loans, credit cards, business loans, SBA 7(a) and 504 loans, agricultural lending, commercial real estate loans, equipment financing), and digital banking services (online banking, mobile banking). The bank operates 19 branch offices across Northeastern California and Northern Nevada, with loan production offices in California and Southern Oregon, and serves small-to-medium sized businesses, agricultural operators, medical practices, and individual consumers.
Is Plumas Bank a public or private company?
Plumas Bank is a public company. It is classified as public and is currently operating.
When was Plumas Bank founded?
Plumas Bank was founded in 1980. It employs 101 to 250 people.
Where is Plumas Bank based?
Plumas Bank is headquartered in Quincy, United States, in the North America region.
How does Plumas Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and SBA Lending Fees.
Who are Plumas Bank's main competitors?
Direct peers on record are Mechanics Bank, Tri Counties Bank, Premier Valley Bank and Bank of the Sierra. Broad incumbents are Banner Bank, Columbia Banking System, Westamerica Bancorp, Pacific Premier Bancorp, Glacier Bancorp and CVB Financial (Citizens Business Bank).
Does Plumas Bank have an API?
No public API is recorded for Plumas Bank.
What industry is Plumas Bank in?
Plumas Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.