Plumas Bank

Headquartered in Quincy, CAplumasbank.com$2.2B in assetsFounded 198020 officesData: SBA 7(a) FOIA file

Loans: 31
Approved: $26M
Median deal: $585,000
Median rate: 8.50%
Charged off: 0.00%

Charge-off means SBA wrote the loan off as a loss. The rate covers the FY2020-22 approval cohort, not the window above, because recent loans have had less time to go bad, and is shown only for lenders with 100 or more cohort loans. Charge-off rates across all 31 lenders

Loans per fiscal year

FY2026 is partial: 8 loans approved through June 30, 2026.

Loans per fiscal year
Fiscal year	Loans
FY2020	34
FY2021	55
FY2022	27
FY2023	18
FY2024	32
FY2025	23
FY2026 (partial year, through June 30, 2026)	8

How they lend

Across 31 change-of-ownership loans, FY2025 to FY2026 Q3.

Acquisition share of their 7(a) lending

Acquisitions 197 (43.7%)Other purposes 254 (56.3%)

Their full 7(a) book since FY2020 is 451 loans. Every other figure on this page counts the 197 acquisition loans only.

Initial rate structure

Variable 0.00%Fixed 100.00%

Middle half of rates: 8.00% to 8.50%
Median term: 120 months
Collateral reported: 100.00% of loans
Sold on the secondary market: 0.00% of loans
Franchise loans: 9.68% of loans
Approval to first disbursement: 32 days (n = 31)

Processing method

Preferred Lenders Program

100.00%

SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.

What they fund

Industries and deal sizes across 31 change-of-ownership loans, FY2025 to FY2026 Q3.

Top industries

Accommodation and Food Services		25.81%
Health Care and Social Assistance		25.81%
Other Services (except Public Administration)		12.90%
Retail Trade		9.68%
Real Estate and Rental and Leasing		6.45%

Deal size mix

Under $350K 32.26%$350K to $1M 41.94%$1M to $3.5M 25.81%$3.5M+ 0.00%

Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.

Where they lend

Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.

California27 loans
Nevada3 loans
Oregon1 loan

Grouped by ProjectState. State names link to the state lender pages where one exists.

Run a deal at these rates

The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.

Open the deal analyzer

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Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.

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Source: SBA 7(a) FOIA file, change-of-ownership loans for Plumas Bank. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.