Overview

* Plumas Bancorp ( PLBC ) beats analysts' expectations for Q3 EPS despite decline in net income

* Company's Q3 results were influenced by Cornerstone acquisition, which increased assets and deposits

* Net interest income rose by $6.3 mln in Q3 2025

Outlook

* Company expects cost of funds to decrease slightly following recent changes and Fed rate reduction

* Plumas Bancorp ( PLBC ) projects amortization/accretion of Fair Value marks to affect pretax income by $340k in Q4

Result Drivers

* ACQUISITION IMPACT - Cornerstone acquisition increased assets and deposits, contributing to higher net interest income and non-recurring expenses

* NET INTEREST INCOME - Increased by $6.3 mln due to higher interest income from loans and securities, offset by higher interest expenses

* NON-RECURRING EXPENSES - Incurred $6.2 mln in non-recurring expenses related to the Cornerstone acquisition

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS Beat $0.73 $0.54 (3

Analysts

)

Q3 Net $25.20

Interest mln

Income

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)