Lenders › Plumas Bank
7(a) lenderQuincy, CaliforniaFDIC-insured bank105th of 2,184 by approvals
Plumas Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Plumas Bank, based in Quincy, California, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 354 of its 7(a) loans worth $283M in FY2021 to FY2025, which places it 105th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 62 approvals totalling $52.7M, about level with FY2024 (66). FY2026 to 30 Jun 2026 adds 30 more.
The median approval was $528K, against $190K for the 7(a) program as a whole; 8.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 8 states and territories and 63 counties, led by California (87.6%), Nevada (7.6%) and Oregon (2.0%). The largest industry group was accommodation and food services at 25.4% of approvals, and 11.0% of approvals were to franchise businesses.
Of 874 disbursed loans approved in FY2010 to FY2021, SBA records 24 as charged off (2.7%), 643 as paid in full and 207 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 30 | $31.6M | $576K | $1.1M | 470 |
| FY2025 | 62 | $52.7M | $644K | $851K | 834 |
| FY2024 | 66 | $55.3M | $593K | $837K | 1,088 |
| FY2023 | 42 | $35.4M | $498K | $843K | 570 |
| FY2022 | 65 | $42.6M | $470K | $655K | 948 |
| FY2021 | 119 | $97.4M | $500K | $818K | 1,359 |
| FY2020 | 67 | $41.9M | $500K | $626K | 1,012 |
| FY2019 | 73 | $33.9M | $350K | $465K | 999 |
| FY2018 | 91 | $61.9M | $375K | $680K | 1,459 |
| FY2017 | 103 | $64.0M | $400K | $622K | 1,086 |
| FY2016 | 90 | $50.1M | $312K | $557K | 1,003 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 424 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 946 | 79,249 | 639,905 |
| Cancelled or never disbursed | 72 | 10,102 | 79,313 |
| Disbursed loans | 874 | 69,147 | 560,592 |
| Paid in full | 643 | 52,688 | 435,813 |
| Charged off | 24 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 207 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 2.7% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.0% | 1.5% | 2.5% |
| Dollars charged off | $5.1M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 110 | 39 | 0 | 0.0% | 2.8% |
| FY2020 | 59 | 33 | 0 | 0.0% | 4.0% |
| FY2019 | 71 | 37 | 2 | 2.8% | 6.7% |
| FY2018 | 88 | 61 | 2 | 2.3% | 7.9% |
| FY2017 | 94 | 63 | 3 | 3.2% | 7.7% |
| FY2016 | 84 | 72 | 1 | 1.2% | 7.2% |
| FY2015 | 79 | 70 | 4 | 5.1% | 6.9% |
| FY2014 | 74 | 68 | 5 | 6.8% | 6.4% |
| FY2013 | 65 | 61 | 1 | 1.5% | 6.0% |
| FY2012 | 57 | 52 | 3 | 5.3% | 6.3% |
| FY2011 | 53 | 50 | 1 | 1.9% | 6.9% |
| FY2010 | 40 | 37 | 2 | 5.0% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $528K | $190K |
| Average approval | $800K | $518K |
| Approvals of $150,000 or less | 8.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 23.2% | 34.3% |
| Approvals to franchise businesses | 11.0% | 11.5% |
| Jobs supported per approval, as reported | 13.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 2.7% | 6.6% |
States served
| # | State of the business (8 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 310 | $249M | 87.6% | |
| 2 | Nevada | 27 | $17.5M | 7.6% | |
| 3 | Oregon | 7 | $7.9M | 2.0% | |
| 4 | Arizona | 3 | $3.4M | 0.8% | |
| 5 | Utah | 3 | $1.7M | 0.8% | |
| 6 | Colorado | 2 | — | 0.6% | |
| 7 | Washington | 1 | — | 0.3% | |
| 8 | Maryland | 1 | — | 0.3% |
In California the lender accounts for 0.9% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (63 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Shasta County, CA | 70 | $35.3M | 19.8% | |
| 2 | Sacramento County, CA | 35 | $40.1M | 9.9% | |
| 3 | San Diego County, CA | 22 | $17.5M | 6.2% | |
| 4 | Placer County, CA | 20 | $15.4M | 5.6% | |
| 5 | Washoe County, NV | 20 | $12.8M | 5.6% | |
| 6 | Santa Clara County, CA | 11 | $10.8M | 3.1% | |
| 7 | Plumas County, CA | 9 | $6.4M | 2.5% | |
| 8 | Kern County, CA | 8 | $11.0M | 2.3% | |
| 9 | Monterey County, CA | 8 | $6.5M | 2.3% | |
| 10 | Fresno County, CA | 8 | $6.1M | 2.3% | |
| 11 | El Dorado County, CA | 8 | $5.8M | 2.3% | |
| 12 | Contra Costa County, CA | 7 | $7.1M | 2.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 90 | 25.4% | |
| 2 | Retail Trade | 76 | 21.5% | |
| 3 | Other Services (except Public Administration) | 46 | 13.0% | |
| 4 | Health Care and Social Assistance | 28 | 7.9% | |
| 5 | Construction | 23 | 6.5% | |
| 6 | Manufacturing | 18 | 5.1% | |
| 7 | Professional, Scientific, and Technical Services | 16 | 4.5% | |
| 8 | Wholesale Trade | 14 | 4.0% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 70 | 19.8% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 28 | 7.9% | |
| 3 | Grocery StoresNAICS 4451 | 14 | 4.0% | |
| 4 | Traveler AccommodationNAICS 7211 | 11 | 3.1% | |
| 5 | Child Day Care ServicesNAICS 6244 | 11 | 3.1% | |
| 6 | Gasoline StationsNAICS 4571 | 10 | 2.8% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 10 | 2.8% | |
| 8 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 8 | 2.3% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 2.0% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 7 | 2.0% |
Approval sizes
- $50,000 or less2.8%10
- $50,001 to $150,0005.6%20
- $150,001 to $350,00022.3%79
- $350,001 to $1 million48.0%170
- $1 million to $2 million12.4%44
- Over $2 million8.8%31
Loan terms
- 5 years or less4.0%14
- Over 5 to 10 years63.0%223
- Over 10 to 20 years5.9%21
- Over 20 years27.1%96
Age of the businesses
- Existing, more than 2 years old33.1%117
- New business, 2 years or less13.6%48
- Startup, loan funds will open the business9.6%34
- Change of ownership43.8%155
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 317 | 89.5% | |
| 2 | SBA Express Program | 36 | 10.2% | |
| 3 | 7(a) WCP | 1 | 0.3% |
Franchise share
39 of 354 approvals in FY2021–FY2025 (11.0%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | SC Fuels | 5 | 1.4% | |
| 2 | Dutch Bros. | 4 | 1.1% | |
| 3 | Motel 6 | 2 | 0.6% | |
| 4 | AM/PM Mini-Mart Agreement | 2 | 0.6% | |
| 5 | Crab Fever | 2 | 0.6% | |
| 6 | Buffalo Wild Wings Sports Bar | 2 | 0.6% | |
| 7 | Papa Murphy's Take 'N' Bake Pizza | 2 | 0.6% | |
| 8 | Apricot Lane | 2 | 0.6% |
Questions and answers
How many SBA loans does Plumas Bank make?
SBA approved 62 7(a) loans through Plumas Bank in FY2025, worth $52.7M, and 354 over FY2021 to FY2025. That ranks 105th of 2,184 active 7(a) lenders by number of approvals.
How large are Plumas Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $528K and the average $800K. The program-wide median was $190K.
What is Plumas Bank's charge-off rate?
Of 874 disbursed loans approved in FY2010 to FY2021, SBA records 24 as charged off (2.7%), 643 as paid in full and 207 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Plumas Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (70); automotive repair and maintenance (28); grocery stores (14); traveler accommodation (11).
Where does Plumas Bank make SBA loans?
In 8 states and territories. California 310, Nevada 27, Oregon 7, Arizona 3, Utah 3. In California it accounts for 0.9% of all 7(a) approvals.
Is Plumas Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 170, against 251 in the three before: falling (-32%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error