Company Overview

Plumas Bancorp is a bank holding company headquartered in Northern California that operates primarily through its wholly owned subsidiary, Plumas Bank. The company provides commercial and retail banking services to individuals, small- and mid-sized businesses, and municipal customers. It operates within the regional community banking industry, focusing on relationship-based banking rather than large-scale national financial services.

The company’s primary revenue drivers include commercial real estate lending, commercial and industrial loans, residential mortgage lending, and deposit-based services. Plumas Bancorp is strategically positioned as a community-focused institution with localized decision-making, emphasizing personalized service, conservative credit standards, and deep ties to rural and semi-rural markets. Founded in 1980, the company expanded gradually through organic growth and selective acquisitions, evolving from a single-community bank into a multi-branch regional banking organization serving Northern California and Western Nevada.

Business Operations

Plumas Bancorp conducts substantially all of its business through Plumas Bank, which represents the company’s sole operating segment. Revenue is generated primarily through net interest income on loans and securities, as well as non-interest income from service charges, interchange fees, and treasury management services. The bank offers a full suite of deposit products, including checking, savings, and time deposits, alongside lending products tailored to local businesses and consumers.

Operations are predominantly domestic, with branch-based banking complemented by online and mobile platforms. The company controls core banking infrastructure, credit underwriting processes, and digital delivery channels internally. There are no material joint ventures; however, the bank maintains correspondent banking relationships and participates in loan syndications and government-backed lending programs, including SBA and USDA programs, to expand its service capabilities.

Strategic Position & Investments

Plumas Bancorp’s strategic direction centers on disciplined balance sheet growth, expansion of commercial lending relationships, and continued investment in technology to enhance customer experience and operational efficiency. Growth initiatives emphasize organic expansion within existing markets, selective branch additions, and targeted recruitment of experienced banking teams.

The company has historically pursued acquisitions of smaller community banks to deepen its regional footprint, with Feather River Bancorp being a notable prior acquisition that strengthened its presence in Northern California. Strategic investments are primarily focused on digital banking platforms, cybersecurity infrastructure, and data analytics to support compliance and risk management. The company is not materially involved in speculative financial technologies, maintaining a conservative approach aligned with community banking fundamentals.

Geographic Footprint

Plumas Bancorp operates primarily in Northern California and Western Nevada, with its headquarters located in Quincy, California. The bank maintains branches across multiple counties in California, including rural and semi-urban markets, and has established a growing presence in Nevada to serve cross-border commercial and consumer customers.

While the company does not have international operations, its geographic influence extends across the western United States through lending relationships and correspondent banking networks. The focus remains on regional market penetration rather than national or global expansion, consistent with its community banking strategy.

Leadership & Governance

Plumas Bancorp is led by an experienced management team with deep backgrounds in community and regional banking. The leadership philosophy emphasizes conservative risk management, long-term shareholder value, and sustained community engagement, supported by a governance structure aligned with regulatory and fiduciary standards applicable to publicly traded bank holding companies.

Key executives include:

• Andrew J. Ryback – President and Chief Executive Officer
• Vickie L. Turner – Executive Vice President and Chief Financial Officer
• Patrick J. Twomey – Executive Vice President and Chief Credit Officer
• Richard A. Burkett – Executive Vice President and Chief Operating Officer

Data inconclusive based on available public sources regarding any recent changes beyond these roles or succession plans.