Plumas Bancorp: Business Overview, Financials & Competitive Analysis
Plumas Bancorp scores 7/10 on the AskCyborg Cyborg Score (Strong). A well-managed community bank with competitive advantages in rural markets and accretive M&A strategy offers attractive risk-reward for value-oriented investors. Plumas demonstrates solid fundamentals as a profitable regional bank with #1 market share in key rural markets, recent strategic acquisition activity (Cornerstone Community Bancorp in July 2025), and consistent dividend.
What is Plumas Bancorp's industry? Plumas Bancorp (plumasbank.com) operates in Banks - Regional. AskCyborg classifies Plumas Bancorp under Banks - Regional in its company registry.
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...
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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Get Current Report FreePlumas Bancorp Overview
Pro stress-test →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
Pro stress-test →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
Pro stress-test →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