What is Plumas Bancorp's accretion of discounts on loans?

Plumas Bancorp (PLBC) reported accretion of discounts on loans of -$681K in Q1 2026.

What does accretion of discounts on loans mean?

This represents the non-cash interest income recognized as the carrying value of loans acquired at a discount is accreted toward their expected collection amount. It is often associated with loans acquired through business combinations or purchased at a discount due to credit risk. This metric highlights the yield enhancement derived from the bank's loan acquisition strategy.

Plumas Bancorp PLBC Accretion Of Discounts On Loans

Accretion Of Discounts On Loans at other companies

Bank of Marin BancorpBMRC

-$5K+88.9%

Bank of Marin BancorpBMRC

-$5K+88.9%

Bridgewater Bancshares, Inc.BWB

$324K-5.3%

First BancorpFBNC

$1.29M-41.0%

ServisFirst BancsharesSFBS

-$48K+5.9%

Fulton FinancialFULT

$10.31M-21.5%

Other financials

Income statement

See full

Revenue$96.0M+19.6%

Net income$9.8M+31.9%

EPS (diluted)$1.14-5.4%

Balance sheet

See full

Cash & equivalents$62.9M-28.0%

Total debt$28.7M+17.1%

Total equity$265.4M+41.5%

Total assets$2.2B+34.7%

Cash flow

See full

Operating cash flow$9.4M+25.4%

CapEx$137.0K-20.8%

Free cash flow$9.3M+26.5%

Valuation

See full

Market cap$398.65M+60.2%

Enterprise value$364.48M+95.9%

P/E12.5×+3.8×

P/S4.1×-0.3×

Profitability

See full

Net margin30.1%-4.6pp

FCF margin20.6%-15.5pp

Returns & leverage

See full

Return on equity14.1%-2.4pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by Plumas Bancorp in its filing.

Tagged under the XBRL concept plbc:AccretionOfDiscountsOnLoans.

The official record: Plumas Bancorp’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

Ask your AI about Plumas Bancorp's accretion of discounts on loans.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Plumas Bancorp's accretion of discounts on loans?: Plumas Bancorp (PLBC) reported accretion of discounts on loans of -$681K in Q1 2026.
What does accretion of discounts on loans mean?: This represents the non-cash interest income recognized as the carrying value of loans acquired at a discount is accreted toward their expected collection amount. It is often associated with loans acquired through business combinations or purchased at a discount due to credit risk. This metric highlights the yield enhancement derived from the bank's loan acquisition strategy.