Plumas Bank
Plumas Bank is an independent community bank founded in 1980 and headquartered in Quincy, California, providing personalized banking services to Northern California communities with local decision-making and expertise.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (66 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Plumas Bank ranks #44 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Plumas Bank’s 7(a) acquisition lending falls in the $0-$500K range: 29 loans, 43.9% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 29 | 43.9% | |
| $500K-$1M | 22 | 33.3% | |
| $1M-$2M | 10 | 15.2% | |
| $2M-$3M | 4 | 6.1% | |
| $3M-$4M | 1 | 1.5% |
Industries with highest loan volume
Full-Service Restaurants
7
loans
$777K
avg. amount
Limited-Service Restaurants
6
loans
$363K
avg. amount
Child Care Services
6
loans
$1.7M
avg. amount
General Automotive Repair
5
loans
$1.1M
avg. amount
Drinking Places (Alcoholic Beverages)
5
loans
$554K
avg. amount
Offices of Certified Public Accountants
2
loans
$397K
avg. amount
Convenience Retailers
2
loans
$667K
avg. amount
Fitness and Recreational Sports Centers
2
loans
$682K
avg. amount
Other Residential Care Facilities
2
loans
$1.2M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
2
loans
$309K
avg. amount
10-Year
1.2%
Percentile Ranking
85th
85th percentile
It priced below the market median in 5 of the last 8 quarters. 66 of the 66 loans in its trailing three-year book carried a fixed rate; the rest were variable.
Rate distribution data not available
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '20 | Prime + 2.50% | Prime + 2.00% | Prime + 1.40% – Prime + 2.50% | 3 |
| Q2 '20 | Prime + 2.50% | Prime + 2.50% | Prime + 2.00% – Prime + 3.00% | 5 |
| Q3 '20 | Prime + 1.88% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 8 |
| Q1 '21 | Prime + 2.13% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 4 |
| Q2 '21 | Prime + 1.88% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 6 |
| Q3 '21 | Prime + 1.63% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 12 |
| Q1 '22 | Prime + 2.00% | Prime + 2.00% | Prime + 1.74% – Prime + 2.50% | 8 |
| Q4 '22 | Prime + 1.25% | Prime + 1.75% | Prime + 1.00% – Prime + 2.00% | 3 |
Plumas Bank has originated 7(a) acquisition loans in 4 states, most actively in California (56), Nevada (6) and Oregon (3). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 56 | 84.8% |
| Nevada | 6 | 9.1% |
| Oregon | 3 | 4.5% |
| Colorado | 1 | 1.5% |
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