Plumas Bancorp (PLBC) came out with quarterly earnings of $1.05 per share, missing the Zacks Consensus Estimate of $1.2 per share. This compares to earnings of $1.14 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -12.50%. A quarter ago, it was expected that this company would post earnings of $1.13 per share when it actually produced earnings of $1.2, delivering a surprise of +6.19%.Over the last four quarters, the company ha ...

Exhibit 99.1 PLUMAS BANCORP REPORTS SECOND QUARTER 2025 EARNINGS Reno, Nevada, July 16, 2025 – Plumas Bancorp (Nasdaq:PLBC), the parent company of Plumas Bank, today announced earnings during the second quarter of 2025 of $6.3 million or $1.07 per share, a decrease of $465 thousand from $6.8 million or $1.15 per share during the second quarter of 2024. Diluted earnings per share decreased to $1.05 per share during the three months ended June 30, 2025 down from $1.14 per share during the quarter ended June 3 ...

Core Viewpoint - Plumas Bancorp reported a decrease in net income and earnings per share for the second quarter of 2025 compared to the same period in 2024, while showing an increase in net income for the first half of 2025 compared to the first half of 2024. The company also completed the acquisition of Cornerstone Community Bancorp, which is expected to enhance its market presence and operational efficiency. Financial Performance - Net income for Q2 2025 was $6.3 million or $1.07 per share, down from $6.8 million or $1.15 per share in Q2 2024 [1] - Diluted earnings per share decreased to $1.05 in Q2 2025 from $1.14 in Q2 2024 [1] - For the first half of 2025, net income was $13.5 million or $2.28 per share, an increase from $13.0 million or $2.21 per share in the first half of 2024 [6] Return on Assets and Equity - Return on average assets was 1.56% in Q2 2025, down from 1.67% in Q2 2024 [2] - Return on average equity decreased to 13.4% in Q2 2025 from 17.1% in Q2 2024 [2] - For the first half of 2025, return on average assets was 1.67%, up from 1.61% in the first half of 2024, while return on average equity decreased to 14.7% from 16.7% [7] Income Statement Highlights - Net interest income decreased by $222 thousand to $18.2 million in Q2 2025 from $18.4 million in Q2 2024 [3] - Non-interest income increased by $159 thousand to $2.4 million in Q2 2025, compared to $2.2 million in Q2 2024 [3][47] - Non-interest expense increased by $616 thousand to $11.0 million in Q2 2025, with $481 thousand attributed to merger-related costs [4][48] Balance Sheet Highlights - Gross loans increased by $21 million, or 2%, to $1.0 billion as of June 30, 2025 [13][15] - Total deposits increased by $62 million to $1.4 billion as of June 30, 2025, with significant increases in money market accounts and time deposits [17][20] - Total equity increased by $28 million, or 17%, to $193 million as of June 30, 2025 [20][26] Asset Quality - Nonperforming assets increased to $13.7 million, or 0.84% of total assets, as of June 30, 2025, up from $9.1 million or 0.56% in June 2024 [19] - Nonperforming loans increased to $13.6 million, representing 1.34% of total loans, up from 0.90% in June 2024 [21] Acquisition and Strategic Developments - The company completed the acquisition of Cornerstone Community Bancorp on July 1, 2025, which is expected to enhance its operational capabilities and market presence [4][14] - The company is expanding its treasury management services and refining its lending processes to improve efficiency [14]

Core Viewpoint - Plumas Bancorp reported a decrease in net income and earnings per share for the second quarter of 2025 compared to the same period in 2024, while showing an increase in net income for the first half of 2025 compared to the first half of 2024. Financial Performance - Net income for Q2 2025 was $6.3 million or $1.07 per share, down from $6.8 million or $1.15 per share in Q2 2024 [1] - Diluted earnings per share decreased to $1.05 in Q2 2025 from $1.14 in Q2 2024 [1] - For the first half of 2025, net income was $13.5 million or $2.28 per share, an increase from $13.0 million or $2.21 per share in the first half of 2024 [6] Return Metrics - Return on average assets was 1.56% in Q2 2025, down from 1.67% in Q2 2024 [2] - Return on average equity decreased to 13.4% in Q2 2025 from 17.1% in Q2 2024 [2] - For the first half of 2025, return on average assets was 1.67%, up from 1.61% in the first half of 2024, while return on average equity decreased to 14.7% from 16.7% [7] Income Statement Highlights - Net interest income decreased by $222 thousand to $18.2 million in Q2 2025 from $18.4 million in Q2 2024 [3] - Non-interest income increased by $159 thousand to $2.4 million in Q2 2025 from $2.2 million in Q2 2024 [3][49] - Non-interest expense increased by $616 thousand to $11.0 million in Q2 2025 from $10.4 million in Q2 2024, with $481 thousand related to merger costs [4][50] Balance Sheet Highlights - Gross loans increased by $21 million, or 2%, to $1.0 billion as of June 30, 2025 [13] - Total deposits increased by $62 million, or 5%, to $1.4 billion as of June 30, 2025 [17] - Total equity increased by $28 million, or 17%, to $193 million as of June 30, 2025 [20] Asset Quality - Nonperforming assets increased to $13.7 million, or 0.84% of total assets, as of June 30, 2025, up from $9.1 million or 0.56% in June 2024 [19] - Nonperforming loans increased to $13.6 million as of June 30, 2025, compared to $9.0 million in June 2024 [21] Acquisition and Strategic Developments - The company completed the acquisition of Cornerstone Community Bancorp on July 1, 2025, which is expected to enhance its market presence [4][14] - The company is expanding its treasury management services and refining its lending processes to improve efficiency [14]

Company Overview - Plumas Bancorp (PLBC) shares increased by 5.5% to close at $46.92, supported by higher trading volume compared to normal sessions [1] - The stock has gained 3.7% over the past four weeks [1] Merger Impact - The stock's rally is attributed to the completion of its merger with Cornerstone Community Bancorp, which has made investors optimistic [2] - The merger combines Plumas Bank's advanced technology with Cornerstone's local expertise, resulting in a company with nearly $2.3 billion in total assets and 19 banking branches across 11 counties in Northern California and Nevada [2] Earnings Expectations - Plumas Bancorp is projected to report quarterly earnings of $1.20 per share, reflecting a year-over-year increase of 5.3% [3] - Expected revenues for the upcoming quarter are $20.95 million, up 1.7% from the previous year [3] Earnings Estimate Trends - The consensus EPS estimate for Plumas Bancorp has remained stable over the last 30 days, indicating no recent revisions [4] - The stock's price typically does not continue to rise without trends in earnings estimate revisions, suggesting the need for monitoring future performance [4] Industry Context - Plumas Bancorp is categorized under the Zacks Banks - West industry, where CVB Financial (CVBF) also operates [4] - CVB Financial's stock closed 3.6% higher at $20.51, with a 7.6% return over the past month [4]

Core Viewpoint - Plumas Bancorp has successfully completed the acquisition of Cornerstone Community Bancorp, enhancing its market presence and service offerings in northern California [1][2][3]. Transaction Details - The merger agreement stipulated that each share of Cornerstone common stock was converted into 0.6608 shares of Plumas common stock and $9.75 in cash, with a total deal value of approximately $61.3 million based on Plumas's stock price of $44.46 on June 30, 2025 [2]. - The merger became effective on July 1, 2025, with Cornerstone Community Bank merging into Plumas Bank [1]. Leadership Changes - Ken Robison, a director from Cornerstone, has been appointed to the board of directors of Plumas and Plumas Bank [3]. - Matthew B. Moseley, former President and CEO of Cornerstone, will serve as Executive Vice President and Market President at Plumas Bank [4]. Strategic Goals - The acquisition aims to integrate Cornerstone's local expertise with Plumas's advanced technology and small business solutions, enhancing service offerings to communities [3][5]. - Both Robison and Moseley expressed commitment to community growth and innovation in financial solutions for small businesses and families [5]. Financial Position - As of March 31, 2025, Cornerstone had total assets of $648 million, total loans outstanding of $492 million, and total deposits of $572 million [4]. - Post-merger, Plumas's pro forma combined total assets are approximately $2.3 billion, total loans outstanding are about $1.5 billion, and total deposits are around $1.9 billion [6].

Nevada County INVESTOR PRESENTATION UPDATED THROUGH JUNE 30, 2024 1 Forward Looking Statements Disclaimer The statements contained herein that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning future developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond our control. There can be no assurance that future developmen ...

Nevada County INVESTOR PRESENTATION UPDATED THROUGH SEPTEMBER 30, 2024 1 Forward Looking Statements Disclaimer The statements contained herein that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning future developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond our control. There can be no assurance that future devel ...

Nevada County INVESTOR PRESENTATION UPDATED THROUGH DECEMBER 31, 2024 1 Plumas County Index Forward Looking Statements Disclaimer The statements contained herein that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning future developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond our control. There can be no assuranc ...

Core Points - Cornerstone Community Bancorp and Plumas Bancorp have announced the approval of the merger agreement, allowing Cornerstone's shareholders to convert their shares into cash and Plumas stock [1][2] - The merger is expected to be completed in early July 2025, with Plumas having already received the necessary bank regulatory approvals [2] - The combined entity will have approximately $2.3 billion in total assets and operate 19 full-service banking branches across 11 counties in Northern California and Nevada [3] Company Statements - Plumas Bancorp's CEO highlighted the merger as a pivotal milestone, emphasizing the integration of local expertise and advanced technology to enhance services for communities [3] - Cornerstone's CEO expressed excitement about the merger, noting the opportunity to expand their reach and maintain high service standards for customers [3]