BlastPoint's Banking Scorecard
Plumas Bank
Community
Specialty: Commercial
CA
FDIC cert 23275
Quincy, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Plumas Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 5% in Community
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+37.9% YoY
+0.4% QoQ
|
+$846.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.5B
+48.8% YoY
+1.0% QoQ
|
+$520.4M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.8B
+31.5% YoY
-0.8% QoQ
|
+$654.4M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.64%
-8.8% YoY
+12.9% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
5.25%
+5.9% YoY
+1.6% QoQ
|
+1.58% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
47.28%
+17.8% YoY
-7.7% QoQ
|
-15.35% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.01%
+147.1% YoY
-0.6% QoQ
|
+0.38% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
82.23%
+13.2% YoY
+1.9% QoQ
|
-0.83% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
47.19%
-8.3% YoY
-1.2% QoQ
|
+26.14% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.68%
+164.6% YoY
+0.7% QoQ
|
+0.19% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
14.81%
-14.2% YoY
+3.8% QoQ
|
+4.57% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.69%
-59.4% YoY
+100.8% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#9 of 150 · Top 5% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
47.19%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.25%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (1)
Cost Spiral
risk
#13 of 40 · Bottom 31% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
47.28%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 47.19% · Tier avg: 21.05%
97
97th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.66%
89
89th pctile
Efficiency Ratio
Current: 47.28% · Tier avg: 62.63%
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.81% · Tier avg: 10.24%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.23% · Tier avg: 83.06%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
Top Weaknesses
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
57
57th pctile
Loan-to-Deposit Ratio
Current: 82.23% · Tier avg: 83.06%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.81% · Tier avg: 10.24%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
89
89th pctile
Efficiency Ratio
Current: 47.28% · Tier avg: 62.63%
97
97th pctile
Net Interest Margin
Current: 5.25% · Tier avg: 3.66%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 47.19% · Tier avg: 21.05%