Plumas Bancorp (PLBC) Beats Q2 2026 Earnings on a 43% Net Interest Income Surge
As seen on the 24/7 Wall St. homepage on July 15, 2026.
Net interest income surged 43% after the Cornerstone Community Bank integration, with margins widening 30 basis points to 5.13% as the bank tightened its efficiency ratio to 50.4% and beat earnings by 4.4%.
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Plumas Bancorp reported Q2 2026 earnings per share of $1.41, clearing the $1.35 consensus estimate by about 4.4%. Revenue came in at $28.76 million, topping expectations by roughly 2.7%. The results cap a stretch of elevated revenue that began when the bank's quarterly figures jumped from the low-$20 million range into the low-$30 million range starting in Q3 2025.
The headline driver was net interest income, which surged 43% following the integration of Cornerstone Community Bank. That deal also helped push the bank's net interest margin 30 basis points wider to 5.13%, a level that stands out in the current rate environment for a community bank of this size. At the same time, management tightened the efficiency ratio to 50.4%, meaning the bank is keeping roughly half of every revenue dollar as profit before taxes — a solid operational result.
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Investors watching PLBC will want to see whether the Cornerstone integration continues to lift margins in coming quarters or whether the Q2 revenue figure of $28.76 million — a step down from Q4 2025's $33.33 million and Q1 2026's $32.36 million — signals some normalization in the combined franchise's earning power.
Mentioned: PLBC