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Plumas Bancorp PLBC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$96.0M+19.6%
Net income$10.0M+34.5%
EPS (diluted)$1.14-5.4%

Balance sheet

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Cash & equivalents$135.5M+71.0%
Total debt$28.4M+15.8%
Total equity$272.1M+40.9%
Total assets$2.3B-1.0%

Cash flow

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Operating cash flow$11.7M+466%
CapEx$132.0K+326%
Free cash flow$11.6M+468%

Valuation

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Market cap$429.02M+48.7%
Enterprise value$321.87M+37.6%
P/E12.4×+2.5×

Profitability

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Net margin30.1%-4.6pp
FCF margin20.6%-15.5pp

Returns & leverage

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Return on equity14.8%-1.4pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Plumas Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Plumas Bancorp’s 10-K, filed March 19, 2026.

Filed
Mar 19, 2026, 9:00 AM EDT
Fiscal year
FY2025
Accession
0001437749-26-008956
Line item202520242023
Total interest expense13,877,00010,634,0004,798,000
Net interest income before provision for credit losses87,770,00073,691,00069,794,000
Provision for credit losses6,850,0001,196,0002,775,000
Net interest income after provision for credit losses80,920,00072,495,00067,019,000
Non-interest income:
Gain on sale of buildings5,540,00019,854,000-
Interchange revenue3,263,0003,130,0003,419,000
Service charges3,133,0002,988,0002,789,000

Document

FAQ

What is Plumas Bancorp's net interest income (after provisions)?
Plumas Bancorp (PLBC) reported net interest income (after provisions) of $20.23M in Q4 2025.
How has Plumas Bancorp's net interest income (after provisions) changed year-over-year?
Plumas Bancorp's net interest income (after provisions) increased by 11.6% year-over-year, from $18.12M to $20.23M.
What is the long-term trend for Plumas Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Plumas Bancorp's net interest income (after provisions) has grown at a 15.3% compound annual growth rate (CAGR), from $45.81M to $80.92M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which accounts for expected future defaults in the loan portfolio. It provides a more accurate view of the bank's bottom-line interest-based profitability after accounting for inherent credit risk. It is a key indicator of the quality and sustainability of the bank's earnings.

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