Is Plumas Bank Safe?
Plumas Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (82/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.36% | 100/100 |
| Nonperforming Loan Ratio | 0.90% | 82/100 |
| Liquidity Ratio | 33.81% | 100/100 |
| Return on Assets | 2.25% | 100/100 |
| Total Assets | $1.6B | |
How does Plumas Bank compare?
With a Bank Health Score of 95/100, Plumas Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, Plumas Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 16.36% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.90% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Plumas Bank's Bank Health Score fell by 2.0 points to 95/100. Tier 1 capital strengthened by 1.26 percentage points to 16.36%. Quarter-over-quarter, the score fell by 2.0 points.
Plumas Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (82/100).