Plumas Bancorp(PLBC) - 2025 Q3 - Earnings Call Presentation

Financial Performance - As of September 30, 2025, total assets reached $2.2 billion[7] - Net income decreased by 34.3%, from $7.83 million on 9/30/2024 to $5.146 million on 9/30/2025[74] - Net interest income increased by 33.4%, from $18.87 million on 9/30/2024 to $25.174 million on 9/30/2025[74] - The net interest margin remained stable at 4.83% as of September 30, 2025, compared to 4.83% on September 30, 2024[74] - Shareholder equity increased by 35.18%, from $181.942 million on 9/30/2024 to $245.950 million on 9/30/2025[36] Deposits and Loans - Total deposits reached $1.82 billion as of September 30, 2025[41] - The cost of deposits was 0.6% as of September 30, 2025[41] - Total loans reached $1.496 billion as of September 30, 2025, with a yield of 6.24%[53] - Government guaranteed loans represented approximately 7% of total loans as of September 30, 2025[69] Capital Ratios - Tangible common equity to total assets was 9.4% as of September 30, 2025, a decrease of 11.32% from 10.6% on September 30, 2024[36] - CET1 Ratio was 14.3% as of September 30, 2025, a decrease of 15.38% from 16.9% on September 30, 2024[36]