Plumas Bancorp is the holding company for Plumas Bank, a community bank serving individuals, small-to-medium businesses, and agricultural customers in rural and semi-rural areas of northeastern California and northwestern Nevada. Plumas Bank operates 19 branches across communities including Quincy, Redding, Chico, Truckee, and Reno, and expanded its footprint in mid-2025 through the acquisition of Cornerstone Community Bank, adding four branches and roughly $659M in assets. Plumas Bank's core business is taking in deposits and making loans. Its primary loan products are commercial real estate loans (roughly 66% of total loans), commercial and industrial loans (~11%), and agricultural loans (~10%). The Bank also holds Preferred Lender status with the SBA, allowing it to approve SBA loans without the standard SBA review process, and operates SBA-focused lending offices in Auburn, CA, Atascadero, CA, and Chandler, AZ, extending its lending reach beyond its branch footprint. Plumas Bank makes money primarily through net interest income — the spread between interest earned on loans and investments and interest paid on deposits. Profitability is driven by loan volume and mix, deposit costs, and interest rate levels. The Bank's deposit base spans nearly 48,000 accounts averaging roughly $38K each, providing a granular, low-cost funding source. Roughly 82% of the loan portfolio is secured by real estate. Plumas Bank grows through organic expansion and acquisitions of smaller community banks, and returns capital to shareholders through dividends and share repurchases.