- Plumas Bancorp reported **Q3 2025 net income of $5.1 million** and **diluted earnings per share of $0.73**, a decrease from Q3 2024 net income of $7.8 million and diluted EPS of $1.31.  **[1168455_0001437749-25-030970_ex_869501.htm:0]**  For the nine months ended September 30, 2025, net income was **$18.6 million** and diluted EPS was **$2.94**, compared to $20.9 million and $3.50, respectively, for the same period in 2024.  **[1168455_0001437749-25-030970_ex_869501.htm:0]** 
- The company's results for Q3 2025 were significantly influenced by the **acquisition of Cornerstone Community Bank (CCB)**, effective **July 1, 2025**.  **[1168455_0001437749-25-030970_ex_869501.htm:0]**  This acquisition added **$658 million in total assets**, **$478 million in gross loans**, and **$580 million in deposits**.  **[1168455_0001437749-25-030970_ex_869501.htm:0]** 
- The annualized return on average assets for Q3 2025 was **0.90%**, down from 1.84% in Q3 2024, and the annualized return on average equity decreased from 18.1% to **8.5%** during the same period.  **[1168455_0001437749-25-030970_ex_869501.htm:0]** 
- As of September 30, 2025, gross loans increased by **$493 million (49%) to $1.5 billion**, deposits grew by **$469 million (35%) to $1.8 billion**, and shareholders' equity rose by **$64 million (35%) to $246 million** compared to September 30, 2024.  **[1168455_0001437749-25-030970_ex_869501.htm:1]**

Plumas Bancorp Reports Q3 2025 Earnings and Acquisition Impact

- Plumas Bancorp reported **net income of $5.1 million** or **$0.73 diluted earnings per share** for the third quarter of 2025, a decrease from $7.8 million or $1.31 per share in the third quarter of 2024.  **[1168455_4affaf848536477d9db0eb99dc4f7480_0]**  For the nine months ended September 30, 2025, net income was **$18.6 million** or **$2.94 diluted earnings per share**, compared to $20.9 million or $3.50 per share in the prior year.  **[1168455_4affaf848536477d9db0eb99dc4f7480_0]** 
- These results were significantly influenced by the **acquisition of Cornerstone Community Bank (CCB)**, effective July 1, 2025, which added **$658 million in total assets**, **$478 million in gross loans**, and **$580 million in deposits**.  **[1168455_4affaf848536477d9db0eb99dc4f7480_0]** 
- Excluding **$6.2 million in non-recurring expenses** for Q3 2025 related to the acquisition, non-GAAP net income would have been **$9.5 million**, resulting in **diluted earnings per share of $1.35**.  **[1168455_4affaf848536477d9db0eb99dc4f7480_1]** 
- The company experienced substantial balance sheet growth, with **gross loans increasing by $493 million (49%) to $1.5 billion** and **deposits increasing by $469 million (35%) to $1.8 billion** as of September 30, 2025, compared to September 30, 2024.  **[1168455_4affaf848536477d9db0eb99dc4f7480_1]** **[1168455_4affaf848536477d9db0eb99dc4f7480_2]** **[1168455_4affaf848536477d9db0eb99dc4f7480_3]** 
- Annualized return on average assets decreased to **0.90%** in Q3 2025 from 1.84% in Q3 2024, and return on average equity decreased to **8.5%** from 18.1% over the same periods, primarily due to acquisition-related items.  **[1168455_4affaf848536477d9db0eb99dc4f7480_0]**  The net interest margin for Q3 2025 was **4.83%**, an increase from 4.76% in Q3 2024.  **[1168455_4affaf848536477d9db0eb99dc4f7480_9]**

PLUMAS BANCORP (PLBC)