Peer Analysis

Performance Ratios (%) PLBC Peer Median Peer Average
ROAA 1.55 0.94 0.90
ROAE 19.91 8.79 8.46
Net Interest Margin 4.57 3.82 3.87
Efficiency Ratio 52.69 63.16 63.48
Loans / Deposits 79.50 77.26 78.43
Asset Quality Ratios (%)
NPAs / Assets 0.45 0.78 0.81
NCOs / Avg Loans 0.15 (0.03) (0.04)
Reserves / Loans 1.26 1.16 1.16
Reserves / NPAs 197.75 104.24 207.70
Capital Ratios (%)
Tier 1 Capital NA 12.45 12.97
Tangible Equity / Tangible Assets 8.08 9.08 9.55
Total Equity / Total Assets 8.09 10.60 10.74
Market Ratios
Price / Earnings (x) 10.45 14.80 16.98
Price / Book (%) 190.75 121.00 127.86
Dividend Yield (%) 1.55 1.83 2.11
Data for trailing four quarters

Plumas Bancorp's peer group consists of the following: American River Bankshares (AMRB), Central Valley Community Bancorp (CVCY), Community West Bancshares (CWBC), Heritage Oaks Bancorp (HEOP), Oak Valley Bancorp (OVLY), Premier Valley Bank (PVLY), Summit State Bank (SSBI), Valley Commerce Bancorp (VCBP)

Plumas Bancorp's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Heritage Oaks Bancorp's financial data is as of 3/31/2017.
Premier Valley Bank's financial data is as of 9/30/2015.
Valley Commerce Bancorp's financial data is as of 12/31/2016.