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Plumas Bancorp
Plumas Bancorp was founded in 1980 as the parent of Plumas Bank, headquartered in Quincy, California. Andrew J.
Plumas Bancorp
Plumas Bancorp was founded in 1980 as the parent of Plumas Bank, headquartered in Quincy, California. Andrew J. Ryback has served as President and CEO since 2014, overseeing a regional franchise built on agricultural, timber, and small-business lending across northeastern California and northwestern Nevada. The wealth origin is diffuse — the firm aggregates capital from a retail deposit base in rural Plumas County and surrounding communities rather than managing a single-family fortune. Lending strategy centers on three asset classes: commercial real estate, commercial and industrial loans, and government-guaranteed SBA lending. The bank originates and typically holds loans on its balance sheet, earning spread income rather than charging management fees. Stage coverage is exclusively organic origination — no fund commitments, no venture exposure. The geographic footprint spans fourteen branches across Plumas, Lassen, Shasta, Nevada, and Placer counties in California, plus Washoe County in Nevada. Regulatory filings show a loan portfolio concentrated in owner-occupied commercial real estate, equipment finance, and agricultural operating lines. Plumas Bancorp reported total assets of approximately $1.6 billion as of December 2023, with a loan portfolio exceeding $900 million (per the firm's 2023 10-K filing). The bank operates no adjacent venture vehicles, philanthropic foundations, or co-investment clubs. In January 2024 the firm announced an expansion of its SBA lending division into the Sacramento market (per the firm's official communications, January 2024). The structural differentiator is regulatory posture: Plumas Bancorp functions as a Federal Reserve-regulated bank holding company rather than a family office or private investment partnership. This subjects the firm to capital adequacy requirements, community reinvestment obligations, and FDIC oversight that shape portfolio construction — notably the absence of equity or venture exposure and the concentration in senior-secured, geographically bounded credit risk.
General information
Firm type
Asset Manager
Year founded
1980
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Quincy
Corporate office
Quincy, CA, United States
Principals
Andrew J. Ryback
President and Chief Executive Officer
Sector focus
Frequently asked questions
Is Plumas Bancorp a family office or a traditional bank?
Plumas Bancorp is the holding company for Plumas Bank, a federally regulated community bank chartered in California. It operates as a conventional depository institution — not a single-family or multi-family office — earning net interest income from a loan portfolio funded primarily by retail deposits. Andrew Ryback has led the firm as CEO since 2014.
What is Plumas Bancorp's core lending strategy?
The bank originates commercial real estate, commercial and industrial, and SBA-guaranteed loans primarily in northeastern California and northern Nevada. It typically holds loans on its balance sheet rather than syndicating or selling into secondary markets. Agricultural, timber, and small-business borrowers dominate the portfolio.
Does Plumas Bancorp invest in venture capital or private equity?
No. Plumas Bancorp's activities are confined to balance-sheet lending — it does not make fund commitments, take equity positions, or operate a venture capital arm. The loan portfolio is concentrated in senior-secured commercial and real estate credit within its branch footprint.
What is the geographic scope of Plumas Bancorp?
The bank operates fourteen branches across five California counties (Plumas, Lassen, Shasta, Nevada, Placer) and one Nevada county (Washoe). In January 2024 the firm expanded its SBA lending operations into Sacramento, signaling a broader reach for government-guaranteed originations.
How large is Plumas Bancorp's balance sheet?
Plumas Bancorp reported total assets of approximately $1.6 billion as of year-end 2023, with a gross loan portfolio exceeding $900 million (per the firm's 2023 10-K filing). Its market capitalization as a Nasdaq-listed company was roughly $250 million at that time.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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