Plumas Bancorp (PLBC) Balance Sheet
PLBC balance sheet, 2025
December 31, 2025 · U.S. dollars$2.24B assets = $1.98B liabilities + $261.1M equity
Both columns are drawn to the same scale: what PLBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
PLBC financial health
Descriptive bands, not a rating. Fiscal 2025.
PLBC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $658.0M2016 | $2.24B2025 | +14.6%/yr | |
| Total liabilities | $610.0M2016 | $1.98B2025 | +14.0%/yr | |
| Shareholders’ equity | $48.0M2016 | $261.1M2025 | +20.7%/yr | |
| Cash & short-term investments | $164.2M2016 | $469.3M2025 | +12.4%/yr | |
| Total debt | $20.2M2016 | $147.9M2025 | +24.7%/yr | |
| Net cash (debt) | $144.0M2016 | $321.4M2025 | +$177.4M | |
| Working capital | $169.0M2016 | −$1.44B2025 | −$1.6B | |
| Book value per share | $9.412016 | $40.062025 | +17.5%/yr | |
| Debt / equity | 0.422016 | 0.572025 | +0.14 | |
| Shares outstanding | 5.1M2016 | 6.5M2025 | +2.8%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
PLBC assets
PLBC liabilities and equity
PLBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
PLBC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $469.3M | $519.8M | $574.8M | $628.1M | $686.5M | $364.5M | $206.3M | $218.2M | $225.0M | $164.2M |
| Cash & equivalents | $80.6M | $82.0M | $85.7M | $183.4M | $380.6M | $184.9M | $46.9M | $46.7M | $87.5M | $62.6M |
| Short-term investments | $388.7M | $437.7M | $489.2M | $444.7M | $305.9M | $179.6M | $159.3M | $171.5M | $137.5M | $101.6M |
| Receivables | $1.50B | $0 | $0 | $47.0M | $28.7M | $18.3M | $14.4M | $15.4M | $12.6M | $12.1M |
| Inventory | $0 | $0 | $0 | −$190.9M | −$386.9M | −$190.7M | −$51.0M | −$51.2M | −$91.5M | −$65.7M |
| Other current assets | $0 | $0 | $0 | $190.9M | $386.9M | $190.7M | $51.0M | $51.2M | $91.5M | $65.7M |
| Total current assets | $469.3M | $519.8M | $574.8M | $675.2M | $715.2M | $382.8M | $220.6M | $233.6M | $237.6M | $176.4M |
| Property, plant & equipment (net) | $53.3M | $36.8M | $21.9M | $18.1M | $16.4M | $14.0M | $14.6M | $14.3M | $11.3M | $11.8M |
| Goodwill & intangible assets | $35.3M | $6.3M | $5.5M | $5.5M | $5.5M | $18.3M | $14.4M | $15.4M | $12.6M | $12.1M |
| Long-term investments | $476.6M | $437.7M | $489.2M | $444.7M | $305.9M | $880.4M | $616.0M | $562.5M | $482.2M | $456.6M |
| Other non-current assets | $1.20B | $622.7M | $519.0M | $477.6M | $571.1M | $0 | $0 | $0 | $1.6M | $1.1M |
| Total assets | $2.24B | $1.62B | $1.61B | $1.62B | $1.61B | $1.11B | $865.2M | $824.4M | $745.4M | $658.0M |
| Liabilities | ||||||||||
| Accounts payable | $1.91B | — | — | $33.9M | $30.7M | $27.1M | $23.1M | $20.6M | $16.8M | $7.4M |
| Short-term debt | $97.9M | $22.1M | $23.1M | $19.2M | $17.3M | $13.9M | $16.0M | $13.1M | $10.1M | $7.5M |
| Deferred revenue | — | — | — | −$19.2M | $13.4M | $13.3M | $7.0M | −$13.1M | $6.7M | −$151,000 |
| Total current liabilities | $1.91B | $1.39B | $1.36B | $15.3M | $30.7M | $27.1M | $23.1M | $7.5M | $16.8M | $7.4M |
| Long-term debt | $21.0M | $15.0M | $90.0M | $10.3M | $10.3M | $10.3M | $10.3M | $10.3M | $10.3M | $12.7M |
| Lease obligations | $29.0M | $24.8M | $3.0M | — | — | — | — | $0 | $0 | $0 |
| Other long-term liabilities | $49.0M | $37.3M | $16.4M | $5.0M | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $1.98B | $1.45B | $1.46B | $1.50B | $1.48B | $1.01B | $780.7M | $757.5M | $689.7M | $610.0M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $75.7M | $29.0M | $28.0M | $27.4M | $26.8M | $7.7M | $7.3M | $6.9M | $6.4M | $5.9M |
| Retained earnings (deficit) | $195.9M | $174.0M | $151.7M | $128.4M | $105.7M | $87.8M | $75.1M | $62.0M | $49.9M | $43.0M |
| Treasury stock | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Accumulated other comprehensive income | −$10.5M | −$25.1M | −$32.5M | −$36.8M | $1.6M | $4.7M | $2.0M | −$2.0M | −$570,000 | −$972,000 |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $261.1M | $177.9M | $147.3M | $119.0M | $134.1M | $100.2M | $84.5M | $66.9M | $55.7M | $48.0M |
| Key figures | ||||||||||
| Total debt | $147.9M | $61.8M | $116.1M | $29.5M | $27.6M | $24.2M | $26.3M | $23.4M | $20.4M | $20.2M |
| Net cash (debt) | $321.4M | $457.9M | $458.8M | $598.7M | $658.9M | $340.3M | $179.9M | $194.8M | $204.6M | $144.0M |
| Working capital | −$1.44B | −$873.4M | −$781.9M | $659.9M | $684.5M | $355.7M | $197.6M | $226.1M | $220.9M | $169.0M |
| Tangible book value | $225.8M | $171.6M | $141.8M | $113.5M | $128.6M | $81.8M | $70.1M | $51.5M | $43.1M | $35.9M |
| Book value per share | $40.06 | $29.81 | $24.83 | $20.13 | $24.02 | $19.15 | $16.16 | $12.82 | $10.74 | $9.41 |
| Shares outstanding | 6.5M | 6.0M | 5.9M | 5.9M | 5.6M | 5.2M | 5.2M | 5.2M | 5.2M | 5.1M |
| Current ratio | 0.25 | 0.37 | 0.42 | 44.14 | 23.31 | 14.11 | 9.57 | 31.01 | 14.18 | 23.85 |
| Quick ratio | 1.03 | 0.37 | 0.42 | 44.14 | 23.31 | 14.11 | 9.57 | 31.01 | 14.18 | 23.85 |
| Debt / equity | 0.57 | 0.35 | 0.79 | 0.25 | 0.21 | 0.24 | 0.31 | 0.35 | 0.37 | 0.42 |
| Equity / assets | 11.7% | 11.0% | 9.1% | 7.3% | 8.3% | 9.0% | 9.8% | 8.1% | 7.5% | 7.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $601.5M | $532.6M | $469.3M | $529.8M | $518.9M | $147.5M | $519.8M | $574.7M | $555.0M | $575.7M | $574.8M | $528.8M |
| Cash & equivalents | $135.5M | $62.9M | $80.6M | $87.3M | $79.3M | $87.3M | $82.0M | $118.0M | $109.9M | $128.2M | $85.7M | $90.6M |
| Short-term investments | $466.0M | $469.7M | $388.7M | $442.6M | $439.7M | $60.1M | $437.7M | $456.7M | $445.1M | $447.4M | $489.2M | $438.3M |
| Receivables | $0 | $59.9M | $1.50B | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $54.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$153.3M |
| Other current assets | $0 | $28.4M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $153.3M |
| Total current assets | $601.5M | $620.9M | $469.3M | $529.8M | $518.9M | $147.5M | $519.8M | $574.7M | $555.0M | $575.7M | $574.8M | $583.1M |
| Property, plant & equipment (net) | $51.7M | $24.1M | $53.3M | $48.9M | $36.0M | $36.4M | $36.8M | $37.4M | $37.8M | $38.3M | $21.9M | $19.1M |
| Goodwill & intangible assets | $34.2M | $34.7M | $35.3M | $24.2M | $5.5M | $5.5M | $6.3M | $5.5M | $5.5M | $5.5M | $5.5M | $5.5M |
| Long-term investments | $466.0M | $469.7M | $476.6M | $442.6M | $43.7M | $60.1M | $437.7M | $456.7M | $445.1M | $447.4M | $489.2M | $438.3M |
| Other non-current assets | $1.12B | $1.05B | $1.20B | $1.18B | $1.02B | $1.38B | $622.7M | $589.7M | $598.6M | $573.5M | $519.0M | $526.9M |
| Total assets | $2.28B | $2.20B | $2.24B | $2.23B | $1.63B | $1.63B | $1.62B | $1.66B | $1.64B | $1.64B | $1.61B | $1.57B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | $1.91B | — | — | — | — | — | — | — | — | $24.3M |
| Short-term debt | $59.2M | $115.5M | $97.9M | $93.9M | $15.0M | $18.7M | $22.1M | $17.0M | $13.9M | $19.3M | $23.1M | $16.1M |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | — | $24.3M |
| Total current liabilities | $59.2M | $1.91B | $1.91B | $1.91B | $1.38B | $1.39B | $1.39B | $1.37B | $1.32B | $1.32B | $1.36B | $1.44B |
| Long-term debt | $16.0M | $16.0M | $21.0M | $26.7M | $15.0M | $15.0M | $15.0M | $75.0M | $120.0M | $120.0M | $90.0M | $10.0M |
| Lease obligations | $28.4M | $28.7M | $29.0M | $24.6M | $24.5M | $24.5M | $24.8M | $25.0M | $25.2M | $25.4M | $3.0M | — |
| Other long-term liabilities | $1.93B | $12.7M | $49.0M | $43.4M | $38.6M | $38.9M | $37.3M | $39.0M | $38.5M | $39.8M | $16.4M | $0 |
| Total liabilities | $2.01B | $1.93B | $1.98B | $1.98B | $1.44B | $1.45B | $1.45B | $1.48B | $1.48B | $1.48B | $1.46B | $1.45B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $74.7M | $75.1M | $75.7M | $75.4M | $29.8M | $29.5M | $29.0M | $28.8M | $28.7M | $28.5M | $28.0M | $27.9M |
| Retained earnings (deficit) | $211.0M | $203.4M | $195.9M | $187.0M | $184.0M | $179.4M | $174.0M | $167.8M | $161.6M | $156.4M | $151.7M | $145.7M |
| Accumulated other comprehensive income | −$13.6M | −$13.1M | −$10.5M | −$16.5M | −$20.7M | −$21.3M | −$25.1M | −$14.7M | −$25.1M | −$23.4M | −$32.5M | −$53.7M |
| Total shareholders' equity | $272.1M | $265.4M | $261.1M | $245.9M | $193.1M | $187.6M | $177.9M | $181.9M | $165.2M | $161.5M | $147.3M | $119.9M |
| Key figures | ||||||||||||
| Total debt | $103.6M | $144.2M | $147.9M | $145.2M | $54.5M | $58.3M | $61.8M | $117.0M | $159.1M | $164.8M | $116.1M | $26.1M |
| Net cash (debt) | $497.9M | $388.4M | $321.4M | $384.6M | $464.5M | $89.2M | $457.9M | $457.7M | $395.9M | $410.9M | $458.8M | $502.7M |
| Working capital | $542.3M | −$1.29B | −$1.44B | −$1.38B | −$862.9M | −$1.24B | −$873.4M | −$793.3M | −$763.5M | −$743.3M | −$781.9M | −$859.8M |
| Tangible book value | $238.0M | $230.7M | $225.8M | $221.7M | $187.6M | $182.1M | $171.6M | $176.4M | $159.7M | $156.0M | $141.8M | $114.4M |
| Book value per share | $38.50 | $37.52 | $37.11 | $38.71 | $32.15 | $31.26 | $29.67 | $30.49 | $27.78 | $27.16 | $24.80 | $20.22 |
| Shares outstanding | 7.1M | 7.1M | 7.0M | 6.4M | 6.0M | 6.0M | 6.0M | 6.0M | 5.9M | 5.9M | 5.9M | 5.9M |
| Current ratio | 10.16 | 0.33 | 0.25 | 0.28 | 0.38 | 0.11 | 0.37 | 0.42 | 0.42 | 0.44 | 0.42 | 0.40 |
| Quick ratio | 10.16 | 0.31 | 1.03 | 0.28 | 0.38 | 0.11 | 0.37 | 0.42 | 0.42 | 0.44 | 0.42 | 0.40 |
| Debt / equity | 0.38 | 0.54 | 0.57 | 0.59 | 0.28 | 0.31 | 0.35 | 0.64 | 0.96 | 1.02 | 0.79 | 0.22 |
| Equity / assets | 11.9% | 12.1% | 11.7% | 11.0% | 11.9% | 11.5% | 11.0% | 10.9% | 10.1% | 9.8% | 9.1% | 7.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 19, 2026); data from EODHD.
PLBC financial position
At the end of fiscal 2025 (December 31, 2025), Plumas Bancorp had total assets of $2.2 billion (up 37.9% from a year earlier), total liabilities of $2.0 billion and shareholders' equity of $261.1 million. It held $469.3 million in cash and short-term investments against $147.9 million of debt, a net cash position of $321.4 million. Its current ratio was 0.25. In the latest quarter (ended June 30, 2026) total assets were $2.3 billion and equity $272.1 million.
Related: PLBC income statement, PLBC cash flow statement, PLBC key metrics. See the PLBC stock overview for the latest quote and news.
PLBC balance sheet FAQ
What are Plumas Bancorp's total assets?
Plumas Bancorp reported total assets of $2.2 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.6 billion a year earlier.
How much debt does Plumas Bancorp have?
Plumas Bancorp had $147.9 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.57.
How much cash does Plumas Bancorp have?
Plumas Bancorp held $469.3 million in cash and short-term investments at the end of fiscal 2025; with $147.9 million of debt that is net cash of $321.4 million.
What is Plumas Bancorp's book value?
Plumas Bancorp's shareholders' equity (book value) was $261.1 million at the end of fiscal 2025, or $40.06 per share.
What is Plumas Bancorp's current ratio?
Plumas Bancorp had current assets of $469.3 million and current liabilities of $1.9 billion, a current ratio of 0.25 (current liabilities exceed current assets).
How much goodwill does Plumas Bancorp have?
Plumas Bancorp carried $35.3 million of goodwill and intangible assets, 1.6% of total assets, at the end of fiscal 2025.