Plumas Bancorp · NASDAQ:PLBC
Plumas Bancorp — Investor Presentation (January 2026)
26 slides from Plumas Bancorp's investor presentation, Jan 21, 2026
Slide 1: Investor Presentation Updated Through December 31, 2025
PLUMAS BANCORP INVESTOR PRESENTATION UPDATED THROUGH DECEMBER 31, 2025
Slide 2: Forward Looking Statements Disclaimer
PLUMAS” BANCORP Forward Looking Statements Disclaimer its Cran ch surance thee ho nd nan Sues we tah a ekcton we tetra tere ae cock Tre nema omens a hee dren oa: by ach ona ocg setae Tosi on coats ise hur ele flere conaor ofthe Unig ten vom ngurral we serge {cherie nce cansct Seen he pure ay fre nda
Slide 3: Overview
Gren city Overview NASDAQ Symbol: Total Assets: Headquartered: Bank Branches: Year Established: PLBC $2.2 billion Reno, NV 19 1980 German @ wmcrer Qseoncrnen yh oro} ovation? | runes 9 oe ange BEAOH Qransonony
Slide 4: Management team
‘Andrew Ryback President & CEO Years at Plumas Bank ~ 24 Matt Moseley EVP Regional President Years at Plumas Bank ~14* * Joie Plumas Banka fy 1, 2025 Richard Belstock EVP Chief Financial Officer ‘Years at Plumas Bank ~ 19 Kevin Kaiser EVP Chief Credit Officer Years at Plumas Bank - 11 Aaron Boigon E
Slide 5: Sale Leaseback Transaction — Nov. 2025
PLUMAS#” BANCORP Sale Leaseback Transaction — Nov. 2025 2 Adon Cosed 11/1975 ‘ain $5.55 millon $y 5.4 milton bs onsale of
Slide 6: The Big Picture
eR ss aot) iim. Foo The Big Picture a
Slide 7: Net Income & Net Interest Margin
PLUMAS” BANCORP Net Income & Net Interest Margin 335000 60% s30p00 329,176 sea | saa , = oo 515000 == = A 40% sa08 — - 3 sap | — 3.635. |___ a __ a_i s aon ce aE el H é 207% rd S00 +— —— ss 5 ans 2m 22 2a 2m 205 Net aco —= Net Iterest Margin
Slide 8: Non-Interest Income
PLUMAS#” BANCORP Non-Interest Income ‘in thousands $12,900 $100000 ” a 1096 $6,000 a on 270 . am 92,309 % Cee $4,000 —— _—- nm om UO | $2,000 } : si279 7 saan sony sa . 2021 2022 2023 2024 a wrhange even Sexson Dp Acnis Gan onal SBA 7s oom floansrc fees smother nore
Slide 9: Capital Data & Ratios
PLUMAS& BANCORP Capital Data & Ratios Dollars in thousands (Except per share) 12/31/2025 | _ 12/31/2024 ert tr Shareholders’ equity 261,076 17,900 thiterctticizens Tangible common equity 255,760 171,606 negatively impacted by the CECL TBV per common share 32.44 29.07 day 1 provision on non-Purchased
Slide 10: Deposits and Loans
Deposits and Loans _—————_
Slide 11: Deposit Trends and Current Composition
PLUMAS#” BANCORP Deposit Trends and Current Composition 1.60% 40% 120% 20% 10% (Dec 31,2021 Dee 34,2002 Dee 31,2023 Dec 31,2024" Dec 31,2025 Dac. 24, 2021 Dec. 31,2022 Dec. 31,2023 Dec. 23,2024 Dec. 31,2025 ‘TotalOopenite Com of intrest Bering Depots ‘= Non-interest Bearing Savings MoneyMarket_ Time
Slide 12: Deposit Detail
PLUMAS” BANCORP Deposit Detail Consumer vs Business Accounts Rate by Product Aulncen ave 3,205 Aatosfor thes months ened O31 2025 300% é ; 90% i 20% : ! 70% 4 B E 60% — P 90% —- — — 0% — a 30% —s, —— Savings Money pA Business s Consumer
Slide 13: Liquidity
PLUMAS#” BANCORP Liquidity Deposits in millions + No deposit concentrations. Average deposit balance was approximately $38. thousand at 12/31/25. * Largest unsecured deposit accounts are collateralized with investments. f * Cash, unpledged AFS investments, and a borrowing lines totaling approximatel
Slide 14: Borrowings
Borrowings Outstanding correspondent bank borrowings: © $15 million © Fixed rate of 3.85% for the first five years, then fioating rate linked to WSJ Prime for the remaining eight-year term * Prepayable with no penalties * Due January 25, 2035 Debentures: 2 million subordinated note at 4.75% fixed to
Slide 15: Loan Trends and Current Composition
PLUMAS#” BANCORP Loan Trends and Current Composition Close dec aut department 23, Balances expected to unwind over “5 yas. yee af Doe 31,20
Slide 16: Fixed vs Variable Rate Loans and Repricing Timeline
. : PLUMAS Fixed vs Variable Rate Loans and BANCORP Repricing Timeline Fixed vs Variable Rate Loans Loan Portfolio by Repricing Frequency Othe
Slide 17: Diversification of Commercial Real Estate Loans by Property Type
: _. ’ PLUMAS” Diversification of Commercial BANCORP Real Estate Loans by Property Type $160 00 00 5149,000000 5120,000000 5109,000.000, 589000000 $60,900000 $40,900,000 $20,000900 Cars oe Cara YOY Yip? 4 Incas RE/Imvstr, RE/Owner and CRE/NUFamy a alanes a of Dee 31,2025, MR chides no ent corto
Slide 18: Geographic Distribution of Commercial Real Estate Loans
Geographic Distribution of PLUMAS#” BANCORP Commercial Real Estate Loans CALIFORNIA AND /ADA ECONOMIC REGIONS CRE DISTRIBUTION BY REGION* -31%-CA- Norther Sacramento Valley (ight green) 21% MV - Wester (pale green} 15% - CA Greater Sa nto yeiow) 10% - CA - Northern (ark green) 9% -CA~San Joaquin Val
Slide 19: Agricultural Loans
PLUMAS#” BANCORP Agricultural Loans + Agricultural lending balances ’ represented 10% of total loans as of Ag Lending Balances 12/31/25. ay + Aglending portfolio comprised of: Cattle Hay Orchard Crops (Fruits and Nuts) Darenrsee Rice hin Balnces sof Dec 31,2025,
Slide 20: Government Guaranteed Loans
Government Guaranteed Loans * The government guaranteed balance of loans in our loan portfolio represented te approximately 9% of total loans as of ius 12/31/25. + As rates rose beginning in 2022, variable ai rate SBA loan production declined. Plumas =, i 1 Bank began offering fixed rate SBA loans,
Slide 21: Classified Assets
Classified Assets PLUMAS&” BANCORP Dollars in thousands Ag & Ag Real Estate $10,509 SBA 7(a) loans, nguaranteed portions $1,508 HELOC $988 Indirect Auto $746 Owner-Occupied CRE % $2,839 Commercial Residential Real Estate Investor-Owned CRE Consumer Other Total $11,537 Walnut pricing fell in 2022, re
Slide 22: Financial Recap
doc County Financial Recap
Slide 23: Fourth Quarter 2025 Financial Highlights
PLUMAS@” BANCORP Fourth Quarter 2025 Financial Highlights Dollars in thousands (Except per share) 12/31/2024 Net income Income Before Tax Net Interest Income Net Interest Margin ROAA ROAE Diluted EPS 2
Slide 24: 2025 Financial Highlights
2025 Financial Highlights PLUMAS& BANCORP Dollars in thousands (Except per share) Assets Deposits Net Loans Net Income Income Before Tax Net Interest Income Net Interest Margin. ROAA ROAE Book Value per Share Diluted EPS 12/31/2025 2,238,523 $ 1,809,604 $ 1,495,834 $ 29,617 $ 39,592 § 87,770 $ 4.91%
Slide 25: Expansion history and acquisitions
* Opened LPO et ae Klamath Falls, OR ‘Acquired Cornerstone Community Bank, 4 branches ot 18, Purchased ‘Mutual of ‘Omaha Bank's Carson City Branch July 24 ‘Acquired Bank of Feather oan Production Office
Slide 26: Awards and recognition for community banks
‘Top 10 Recognizingthe top 10% of Community Banks 2015-2024 comma trkswih moet ent 8 bilion meSSbi) ‘By Se eet ty CB Reroute) ‘Super Premier’ Performing Bank 2015-2024 (eset cn crt nha cntl aa. ay marti amy nsec Bankers Cup~ Recognizing the top 10% of Community Banks 2017-2024 (eay ates nes etn $50
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