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Plumas Bank Review

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Plumas Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Founded in 1980, Plumas Bank has assets totaling $745 million and deposits totaling $663 million, ranking the institution as a medium-size bank. Plumas Bank, whose headquarters are in Quincy, California, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. With a commendable 4 out of 5 stars, Plumas Bank proves it is a respectable bank that gets the job done. Plumas Bank has a complete array of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, Plumas Bank offers an option without a maintenance or monthly fee. Locating an institution with free checking and a high interest rate savings account is your best option for accruing the most income from your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.10%, Plumas Bank ranks poorly compared to other U.S. banks. Its one-year CD has a rate of 0.40%, while its highest-yielding money market account earns at an APY of 0.15%. Given Plumas Bank's noncompetitive savings rate, you should think about other options to earn more on your deposits.

How Plumas Bank's Savings Rates Compare

Plumas Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Plumas Bank charges its customers extremely low fees compared to the average U.S. bank. Plumas Bank's checking account has no monthly fee, which makes it excellent for anyone looking for a hassle-free account. Plumas Bank doesn't reimburse out-of-network ATM charges, which means you will need to find a Plumas Bank ATM or accept the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Plumas Bank is a brick-and-mortar bank, with 13 total bank locations in California and Nevada. With mobile and web apps, Plumas Bank makes account access easy, even on the go. It does not have all-day customer service with representatives. You can get help during its customer service hours, which are Monday through Friday and 8:00 a.m. to 5:30 p.m. PT. Plumas Bank receives unsatisfactory marks from customers for its mobile app. The Plumas Bank mobile app has an overall rating of 3.0 out of 5 (out of 33 ratings on Apple and Android) compared to the national average of 3.8. You can utilize Plumas Bank's app to manage your funds by reviewing monthly statements, sending and receiving funds and reaching support representatives. Plumas Bank receives an outstanding consumer satisfaction rating due to comparatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.0/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Plumas Bank is a medium-size bank with $745 million in assets and $663 million in deposits. Plumas Bank has a strong Texas Ratio of 6.09%, indicating that the bank is in fine financial health and unlikely to fail. Additionally, Plumas Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Plumas Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $1
Checking Account 0.05% APY $1
Certificates of Deposit
  • 12 Month: 0.40% APY
  • 24 Month: 0.55% APY
  • 36 Month: 0.65% APY
  • 48 Month: 0.85% APY
$500 for all terms
Money Market Account 0.1% APY $1

Plumas Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Plumas Bank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Plumas Bank's CD rates are fair compared to the national average.

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Find a Plumas Bank Near Me

Plumas Bank has 13 physical locations in the U.S.

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