Plumas Bancorp · NASDAQ:PLBC
Plumas Bancorp — Investor Presentation (October 2026)
25 slides from Plumas Bancorp's investor presentation, Oct 21, 2026
Slide 1: Investor Presentation
PLUMAS wor INVESTOR PRESENTATION UPDATED THROUGH SEPTEMBER 30, 2026
Slide 2: Forward Looking Statements Disclaimer
PLUMAS BANCORP Forward Looking Statements Disclaimer
Slide 3: Overview
Overview NASDAQ Symbol: PLC Total Assets: $2.3 billion Headquartered: Reno, NV Bank Branches: 18. Year Established: 1980 oh \ ‘CALIFORNIA ‘ : + Pusrnmae pe i o~ rama yo, NEVADA ~ paceenG) cman Sresrwoor, | ) conn é 0. D opQ\ EFS Oromia Vd 7 9)", we pe —— Meng peentpenne
Slide 4: Management team
Andrew Ryback Richard Belstock Matt Moseley alan EVP Regional President resident & CEO EVP Chief Financial Officer ‘Aaron Boigon Kevin Kaiser Jack Prescott
Slide 5: The Big Picture
the Big Picture suuuunneneenneeneneneteenenteeeeeeeeeeneeeteeeteeteeeeteeeeeeeteeee
Slide 6: Net Income & Net Interest Margin
PLUMAS@ BANCORP Net Income & Net Interest Margin 00 | 1 i __ i ana hk Ee . axe
Slide 7: Non-Interest Income
Slide 8: Capital Data & Ratios
+ Capital ratios significantly exceed those required to be considered Well capitalized under regulatory guidelines. + Plumas Bancorp announced a share repurchase program on February 2, 2026, authorizing the Company to repurchase up 525, million of the Company's common Stock through the fourth quarte
Slide 9: Deposits and Loans
Deposits and Loans EO
Slide 10: Deposit Trends and Current Composition
PLUMAS@ BANCORP Deposit Trends and Current Composition ‘ee 31,2022 Oe, 31, 2023 On. 31 2024 De. 3, 2025 Sept, 30, 2006
Slide 11: Deposit Detail
PLUMAS@ BANCORP Deposit Detail Consumer vs Business Accounts Rate by Product ‘ox Bla ef 3.0% oe, Bene ep 20 om 70% am
Slide 12: Liquidity
Liquidity + No deposit concentrations. Average Deposits deposit balance was approximately $40 iniions thousand at 09/30/26. Median deposit balance was approximately $3 thousand at 9/30/26. fe + Largest unsecured deposit accounts are f collateralized with investments. + Total liquidity of $764 millio
Slide 13: Borrowings
PLUMAS BANCORP Borrowings ‘Outstanding correspondent bank borrowings: © $14.3 million ef Fixed. 85% fo fe years, then. flos eats Wa Prime forthe remaining eight-year term starting January 25, 2027 © Prepayable with no penalties © Due January 25, Debenture 2 million subordinated note at 4.75% fixed t
Slide 14: Loan Trends and Current Composition
PLUMAS@” BANCORP Loan Trends and Current Composition
Slide 15: Fixed vs Variable Rate Loans and Repricing Timeline
: z PLUMAS@” Fixed vs Variable Rate Loans and BANCORP Repricing Timeline Fted vs Variable Rate Loans Loan Portfolio by Repricing Frequency
Slide 16: Diversification of Commercial Real Estate Loans by Property Type
. ae . PLUMAS#” Diversification of Commercial BANCORP Real Estate Loans by Property Type ae aa BE VL PtP? wa oo tha A eA
Slide 17: Geographic Distribution of Commercial Real Estate Loans
ee : PLUMAS@” Geographic Distribution of BANCORP Commercial Real Estate Loans CALIFORNIA AND NEVADA ECONOMIC REGIONS CRE DISTRIBUTION BY REGION*
Slide 18: Agricultural Loans
PLUMAS@ BANCORP Agricultural Loans + Agricultural lending balances represented 9% of total loans as of ‘Ag Lending Balances 9/30/26. + Aglending portfolio comprised of: Cattle Hay ‘Orchard Crops (Fruits and Nuts) mame Rice 76h ac le 3.208
Slide 19: Government Guaranteed Loans
PLUMAS BANCORP Government Guaranteed Loans + The government guaranteed balance of loans in our loan portfolio represented I approximately 10% of total loans as of ow 09/30/26. + As rates rose beginning in 2022, variable rate SBA loan production declined. Plumas Bank began offering fixed rate SBA loa
Slide 20: Classified Loans
Classified Loans PLUMAS@” BANCORP ‘Dollars in thousands) ‘Ag Ag eal Estate ‘Owner-Occupied CRE Investor-Owned CRE SBA 7) loans Classified assets decreased slightly from the prior quarter. We continue to work on resolving the same credits with workout plans.
Slide 21: Financial Recap
Financial Recap
Slide 22: Third Quarter 2026 Financial Highlights
PLUMAS@” BANCORP Third Quarter 2026 Financial Highlights Dollars in thousands
Slide 23: 2025 Financial Highlights
PLUMAS@” BANCORP 2025 Financial Highlights Dollars in thousands (Except per share) Net Loans Net income Income Before Tax Net interest income Net interest Margin ROA ROAE Book Value per Share Diluted EPs 32/31/2025 2,238,523 $ 1,809,606 $ 1,495,834 $ 29,617 $ 39592 $ 87,770 $ 491% 152% 13.6% 37.52$
Slide 24: Recent Expansion Strategy
Slide 25: Super Premier Performing Bank 2015-2025
‘Super Premier’ Performing Bank 2015-2025 (ted nerara seh capt aden at rate eth and mee) pth Bago Bankers Cup ~ Recognizing the top 10% of Community Banks 2017-2025 (psy ended wth tbat $50 millon nd $10) dy homondiones Bavecctes Bison Select Financial Institution 2019 ~ 2026 (osc edd tnt wht oma ae
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