Peer Analysis

Performance Ratios (%) PLBC Peer Median Peer Average
ROAA 1.83 1.01 1.00
ROAE 21.09 9.27 9.13
Net Interest Margin 4.78 3.84 3.92
Efficiency Ratio 50.23 64.15 64.04
Loans / Deposits 77.85 78.91 79.67
Asset Quality Ratios (%)
NPAs / Assets 0.52 0.78 0.71
NCOs / Avg Loans 0.12 (0.01) (0.05)
Reserves / Loans 1.19 1.15 1.15
Reserves / NPAs 155.80 104.24 216.52
Capital Ratios (%)
Tier 1 Capital NA 12.45 12.77
Tangible Equity / Tangible Assets 9.10 9.35 9.86
Total Equity / Total Assets 9.20 10.60 11.00
Market Ratios
Price / Earnings (x) 8.95 13.30 13.88
Price / Book (%) 164.35 117.01 119.02
Dividend Yield (%) 1.77 2.00 2.26
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, Summit State Bank (SSBI), Valley Commerce Bancorp

Plumas Bancorp's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019 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.