PLUMAS BANCORP Business Summary

Plumas Bancorp (PLBC) operates as the bank holding company for Plumas Bank, a regional financial institution providing a comprehensive suite of commercial and consumer banking services across Northeastern California and Northwestern Nevada. The company’s revenue model is primarily driven by net interest income generated from a diversified loan portfolio—including commercial real estate, agricultural, and residential mortgage loans—and a stable base of low-cost core deposits. Following its 2025 strategic integration of Cornerstone Community Bancorp, the firm has significantly expanded its footprint, reporting approximately $1.8 billion in deposits and $1.5 billion in gross loans as of early 2026. Within the competitive landscape of small-cap regional banks, Plumas Bancorp competes directly with peers such as Bank First National (BFC), ConnectOne Bancorp (CNOB), and Oak Valley Bancorp (OVLY), positioning itself as a high-touch community alternative with superior net interest margins and a focus on localized credit expertise. The leadership team is anchored by President and CEO Andrew J. Ryback, a Certified Public Accountant who has led the institution since 2011 and previously served as the company’s CFO. He is supported by Executive Vice President and CFO Richard L. Belstock, who brings over 40 years of financial accounting experience, and newly appointed Chief Credit Officer Kevin C. Kaiser, who assumed the role in January 2026 to oversee portfolio risk management. Technological and operational strategy is directed by EVP and Chief Information Officer Aaron M. Boigon, while Jack Prescott serves as Chief Banking Officer. The Board of Directors features notable industry veterans, including Chairman Daniel West and Director Richard Kenny, the founding CEO of Charles Schwab Bank, providing the firm with deep institutional knowledge in both retail brokerage and traditional commercial lending.