Plumas Bancorp · NASDAQ:PLBC
Plumas Bancorp — Investor Presentation (April 2026)
25 slides from Plumas Bancorp's investor presentation, Apr 15, 2026
Slide 1: Investor Presentation Updated Through March 31, 2026
PLUMAS BANCORP INVESTOR PRESENTATION UPDATED THROUGH MARCH 31, 2026
Slide 2: Forward-Looking Statements Disclaimer
PLUMAS@ BANCORP BOC NELE, eee Statements Disclaimer ocing roraeren caret expan nd ei concerng a depen anther ec tration eh rade ey ree Tren oe at a ret ro ertsarcuislnen ven arte eh
Slide 3: Overview
‘OREGON F Rwanras® a » 4 ) R * . =< / ion ¢ 4 ta ie \oel 9 4 CALIFORNIA t a if Qian Overview NASDAQ Symbol: PLBC Total Assets: $2.2 billion Headquartered: Reno, NV Grew Bank Branches: 19 ) mmevce Year Established: ©, O resnerree
Slide 4: Management Team
‘Andrew Ryback Richard Belstock Matt Moseley ‘Aaron Boigon Kevin Kaiser Jack Prescott a Pp r
Slide 5: The Big Picture
2 ay 6) Siam. Fe The Big Picture 0 ccececceeteeens
Slide 6: Net Income & Net Interest Margin
PLUMAS@ BANCORP Net Income & Net Interest Margin 13900 00% io 97% sis sip Sao = 00% —$$“Tai. soma re Ar. te Bs ___ a | ee 5 10% om 7 aa a a tht icrne Net tet Mg
Slide 7: Non-Interest Income
PLUMAS®= BANCORP Non-Interest Income in thousonds oe thell
Slide 8: Capital Data & Ratios
PLUMAS@ BANCORP Capital Data & Ratios ao oS = 167 ‘eae nas x4 : = aon —4 = 0.00% L CETIRalo —CETARatio. Tard Lewwrany Thr Lavage ToalRakebamd. Total Rika TH1As ——Oa/BHAS Ral” CR/SHIAS RalOOS/SHAE CaptalRalo Coptlfato wns 8/3/36 Minimum "Walt-captalized” Lave) Actual Cpitaliation Level
Slide 9: Deposits and Loans
Deposits and Loans a
Slide 10: Deposit Trends and Current Composition
PLUMAS@ BANCORP Deposit Trends and Current Composition 100% aS a = oe eS al a 17% 18% 0%, — he 40% 30% 20% 10% o% Dee 31,2022 Dee. 31,2023 Dec. 3, 2024 Der. 51,2025 Mar. 31,2026 Jetlonsnterest Bearing Savings Money Market Time luce or of Mo 31,206
Slide 11: Deposit Detail
PLUMAS@” BANCORP Deposit Detail Consumer vs Business Accounts Rate by Product forte Fosfor tres months de Ma 31,2026 ‘Business = Consumer
Slide 12: Liquidity
Liquidity + No deposit concentrations. Average deposit balance was approximately $37 thousand at 03/31/26. * Largest unsecured deposit accounts are collateralized with investments. + Total liquidity of $672 million exceeds uninsured deposits. Insured 6% Boles a Ma 31,2026,
Slide 13: Borrowings
PLUMAS@ BANCORP Borrowings oes couerrancene bank borrowings: . ee rate of 85% forthe fst five years, then floating rat inked to WS) Prime for the remaining eight-year © Prepayable with no peas © Due January 25, 2035 Debentures: © $2 million subordinated note at 4.75% fixed to floating rate due Nov.
Slide 14: Loan Trends and Current Composition
PLUMAS BANCORP Loan Trends and Current Composition
Slide 15: 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
Slide 16: Diversification of Commercial Real Estate Loans by Property Type
. a . PLUMAS@ Diversification of Commercial BANCORP Real Estate Loans by Property Type ¥ 7 cme Suasoe sna te aloe acon 31,2028
Slide 17: Geographic Distribution of Commercial Real Estate Loans
ae . PLUMAS@” Geographic Distribution of BANCORP Commercial Real Estate Loans CALIFORNIA AND NEVADA ECONOMIC REGIONS _CRE DISTRIBUTION BY REGION* BCA Norther: 2% CA Bay rea pink) 2%-CA- Souther) 2% CA Conta Sera (tan) & Southern Border magenta) 2K-0F <aK- Other NV Havende, range & pink), AZ, CO, WA
Slide 18: Agricultural Loans
PLUMAS@ BANCORP Agricultural Loans Agricultural lending balances represented 10% of total loans as of 3/31/26. ‘Ag Lending Balances ‘a Eauipment ‘Ag lending portfolio comprised of: Cattle Hay Orchard Crops (Fruits and Nuts) ‘Ag Real Estate Rice 73% aces as of a 31,2026
Slide 19: Government Guaranteed Loans
PLUMAS@ BANCORP Government Guaranteed Loans + The government guaranteed balance of loans in our loan portfolio represented eT approximately 9% of total loans as of s0 03/31/26. ee * As rates rose beginning in 2022, variable a rate SBA loan production declined. Plumas Bank began offering fixed rate S
Slide 20: Classified Assets
Classified Assets (Dollars in thousands) ‘Ag & Ag Real Estate SBA 7(a) loans, tunguaranteed portions HELOC Indirect Auto ‘Owner-Occupied CRE Commercial Residential Real Estate Investor-Owned CRE Non-Accrual $10,064 $1,036 $14,129 Substandard Accrual $11,197 si071 $7,222 $1,496 su $2,937 $23,936 PLUM
Slide 21: Financial Recap
Financial Recap
Slide 22: First Quarter 2026 Financial Highlights
PLUMAS@ BANCORP First Quarter 2026 Financial Highlights Dollars in thousands (Except per share) Net Income Income Before Tax Net interest income Net interest Margin ROAA ROAE Diluted EPS
Slide 23: 2025 Financial Highlights
PLUMAS@ BANCORP 2025 Financial Highlights Dollars in thousands (Except per share) Change | _% Change Assets 2,238,523 $ 1,623,326 $ 615,197 Deposits 1,809,604 § 1,371,101 § 438,503 Net Loans 1,495,834 $ 1,005,375 $ 490,459 Net Income 29,617 $ 28,619 $ 998 Income Before Tax: 39,592 39,001 $ 591 Net i
Slide 24: Company Milestones
July 25 ‘Acquired Cornerston Community Bank, 4 branches: aN or April'23 ‘Opened Chico Branch He, Dec ‘15 2 os Loan Production Office
Slide 25: Awards and Recognition
“Top 10 ~ Recognizing the top 10% ef Community Banks 2025-2024 ‘ sybase mrt bemen SAEs Sin ‘ytd yee mc) “Super Premier’ Performing 63nk 2015-2028 ‘ankars Cup~ Recognling the top 10% cf Community Banks 2037-2024 (bey waded mtn 553 oan a $08) Pa Se tvhementomer Rootes ‘Bion Salect Financial Institutio