Updated
The most significant concentration Plumas Bancorp discloses is Northern California and Northern Nevada at 92%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: Plumas Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'As of such date, approximately 92% of the loans in our loan portfolio were made to borrowers who primarily conduct business or live in Northern California or Northern Nevada.'”
“10-K Item 1: 'However, at December 31, 2025, approximately 82% of the Bank's total loan portfolio consisted of real estate-secured loans, including real estate mortgage loans, real estate construction loans, consumer equity lines of credit, and agricultural loans secured by real estate.'”
“10-K Item 1: 'Approximately 66% of our loans were commercial real estate loans as of December 31, 2025.'”
Plumas Bancorp's concentration risk is tightly layered and entirely structural — a function of its community-bank footprint and lending mix rather than any single counterparty. Geographically, approximately 92% of the loan portfolio was made to borrowers who primarily conduct business or live in Northern California or Northern Nevada, an unusually high geographic concentration even for a community bank. That footprint overlaps heavily with the asset mix: about 82% of the total loan portfolio consisted of real estate-secured loans, spanning mortgage, construction, consumer equity lines, and agricultural loans secured by real estate, and within that, commercial real estate loans alone made up approximately 66% of total loans. Because all three exposures are high-share and describe the same underlying book — real estate lending concentrated in one regional footprint — they do not diversify each other; a downturn in Northern California or Northern Nevada real estate values or economic activity would hit the geographic exposure, the broader real-estate-secured book, and the CRE subset simultaneously. This is the type of concentration that could move the verdict directly, since there is no disclosed diversification across geography, collateral type, or loan category to cushion a regional shock.
For the engine’s reasoning on PLBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| PLBC● | Plumas Bancorp | 3 | 0 | 0 | 3 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.