PLBC Overview

• Dividend Increase: Plumas Bancorp has declared a quarterly dividend of $0.33 per share, marking a 10% increase from the previous $0.30, which reflects the company's ongoing profitability improvement and boosts investor confidence.
• Yield Performance: The forward yield of 2.66% offers investors a stable cash return, further attracting income-seeking investors to the stock, enhancing its appeal in the market.
• Payment Schedule: The dividend is payable on February 18, with a record date of February 4 and an ex-dividend date also on February 4, ensuring shareholders receive their earnings promptly and enhancing the company's reputation among investors.
• Financial Transparency: Plumas Bancorp provides a detailed dividend scorecard and earnings data, which enhances market trust in its financial health while also offering potential investors a basis for decision-making.

• Leadership Transition: Plumas Bank appointed Kevin Kaiser as Chief Credit Officer effective January 1, 2026, succeeding the retiring Jeff Moore, with Kaiser bringing nearly 40 years of industry experience since joining in 2014, ensuring continuity and stability in credit management.
• New Appointment Impact: Ryan Riggan has been promoted to Credit Administrator, supporting the credit team's ongoing progress, leveraging nearly 25 years of experience in financial institutions to enhance the bank's credit capabilities, particularly in updating government-guaranteed credit policies.
• Strategic Goals Reinforcement: CEO Andrew J. Ryback emphasized that this leadership change aims to drive sustainable growth, manage risk effectively, and deliver value to clients and shareholders, reflecting the bank's commitment to internal talent development.
• Historical Milestone: This transition coincides with Plumas Bank's 45th anniversary, highlighting its enduring strength and stability in community service while reinforcing the reliable image it has established among clients and investors.

• Analyst Recommendation: Piper Sandler has maintained an Overweight rating for Plumas Bancorp (NasdaqCM:PLBC), with a one-year price target average of $56.44/share, indicating a potential upside of 31.87% from its current price of $42.80/share.

• Fund Sentiment and Ownership Changes: There are 194 funds reporting positions in Plumas Bancorp, with a slight decrease in ownership. Notable changes include Siena Capital Partners maintaining its stake, while Fidelity Low-Priced Stock Fund and De Lisle Partners reduced their holdings, and Manufacturers Life Insurance Company increased its ownership.

• Dividend Announcement: Plumas Bancorp declared a quarterly cash dividend of $0.30 per share, payable on November 17, 2025, to stockholders of record as of November 3, 2025.

• Company Overview: Plumas Bank, a subsidiary of Plumas Bancorp, is a community bank founded in 1980, with 19 branches in Northeastern California and Northern Nevada, recognized as one of the top-performing community banks in the U.S.

• Retirement Announcement: Jeff Moore, Executive Vice President and Chief Credit Officer of Plumas Bank, will retire at the end of the year after leading significant advancements in the bank's credit operations since 2018.

• Leadership Transition: Kevin Kaiser, currently SVP/Credit Administrator, will succeed Moore as Chief Credit Officer, ensuring continuity and stability in the bank's credit functions due to his extensive experience and familiarity with the bank's operations.

Plumas Bank's 2025 Corporate Citizenship Report

• Values-Based Growth: Plumas Bank emphasizes a values-driven approach that has supported its growth and competitiveness over the past 40 years, focusing on disciplined governance and client success to create long-term shareholder value.

• Client Advocacy: The bank's commitment to a client-first philosophy is evident in its personalized solutions and high-touch engagement, which foster client loyalty and portfolio stability.

• Investment in Workforce: Plumas Bank prioritizes employee development through educational support and leadership training, exemplified by the career advancement of Sarena Barker from entry-level to Senior Vice President of Digital Banking.

• Strategic Acquisition: In 2025, Plumas Bank acquired Cornerstone Community Bank, enhancing its presence in Northern California and expanding its client base, which is expected to contribute to long-term stability and growth.

• Strong Governance: The bank's disciplined culture is recognized for its financial strength and risk management, maintaining a reputation as a well-capitalized institution that instills confidence among stakeholders.

• Community Commitment: Plumas Bank actively engages in community service, with employees volunteering to promote financial literacy and support local economies, reflecting the bank's values in action.

Company Overview

• Foundation and Growth: Established in 1980 in Quincy, California, Plumas Bank has expanded its operations across Northern California, Nevada, and Oregon, achieving combined assets of $2.3 billion and a workforce of 250 employees.

• Financial Services: The bank operates 19 branches and offers a variety of financial services, positioning itself as a Preferred Lender with the U.S. Small Business Administration, reinforcing its commitment to community-focused banking.

• Investor Relations: The full 2025 Corporate Citizenship Report is accessible on Plumas Bancorp's investor relations website, providing detailed insights into the bank's performance and strategic direction.