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Plumas Bancorp: Business Overview, Financials & Competitive Analysis

Plumas Bancorp is a regional bank holding company operating through its subsidiary Plumas Bank, serving small and middle-market businesses and individuals across Northeastern California, Northwestern Nevada, and Orego...

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7/ 10Strong

Cyborg Score thesis

A well-managed community bank with competitive advantages in rural markets and accretive M&A strategy offers attractive...

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Industry Banks - Regional
3 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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Plumas Bancorp Overview

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Plumas Bancorp is a regional bank holding company operating through its subsidiary Plumas Bank, serving small and middle-market businesses and individuals across Northeastern California, Northwestern Nevada, and Oregon. The company operates approximately 15 community banking branches and provides a comprehensive suite of deposit, lending, and commercial banking products tailored to local markets.

Strategic Profile

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The company holds the #1 market share position in three core rural markets in Northern California, creating significant scarcity value and a stable deposit base. With expectations for 5-7% organic growth and strategic M&A opportunities, Plumas is positioned as a highly profitable and growth-oriented community bank franchise trading at an attractive valuation relative to its superior profitability profile.

Competitive Landscape

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Plumas competes with larger regional and national banks (Union Bankshares, Great Southern Bancorp, Southern Missouri Bancorp) but differentiates through dominant market positions in specific rural Northern California communities and personalized community banking services. The company's niche focus on small/middle-market businesses and local relationships provides insulation from larger competitors.

Industry Context

Plumas Bancorp operates in Banks - Regional.

Key facts

Founded: 1980 · Headquarters: Reno, Nevada

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Plumas Bancorp.

  • Market leadership: Holds #1 market share in 3 core rural Northern California markets, creating deposit scarcity value and competitive moat
  • Recent M&A: Completed acquisition of Cornerstone Community Bancorp in July 2025 to support organic growth strategy and earnings accretion
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Recent developments

Material events tracked by the AskCyborg corpus.

  • July 2025Completed acquisition of Cornerstone Community Bancorp to expand market presence and enhance earning capacity
  • July 2025Q2 2025 earnings of $6.3M ($1.07 per share) announced
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Regional BankingLarger regional bank competitor→Regional BankingComparable regional bank peer→Community BankingBroader competitive set in deposit and lending markets→

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Industry context

Plumas Bancorp operates in Banks - Regional. See how the rest of the sector scores on the Cyborg framework.

Top companies in Banks - Regional by Cyborg Score

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Frequently asked questions

What does Plumas Bancorp do?+
Plumas Bancorp is a regional bank holding company operating through its subsidiary Plumas Bank, serving small and middle-market businesses and individuals across Northeastern California, Northwestern Nevada, and Orego...
What is Plumas Bancorp's Cyborg Score?+
Plumas Bancorp has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Plumas Bancorp's main competitors?+
Named competitors include Regional Banking, Regional Banking, Community Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full Plumas Bancorp research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Plumas Bancorp research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Banks - Regional research

Companies in the same sector and named competitors, ranked by Cyborg Score.

8Riyad Bank7Berner Kantonalbank AG7Citizens Financial Group, Inc.7Concordia Financial Group, Ltd.7First Financial Corporation7Hana Financial Group Inc.7KBC Group NV7Malayan Banking Berhad (Maybank)7Metropolitan Bank & Trust Company7Orange County Bancorp, Inc.Top companies in Banks - Regional by Cyborg Score