Information for clients & businesses

4/2/2020: Assisting Clients and Communities by Participating in the Paycheck Protection Program

All of us will be challenged over the next weeks and months to navigate the public health crisis and resulting financial stressors to the economy and local businesses. In the last several days, the Small Business Administration (SBA) and Treasury announced initial disaster relief programs as a result of the CARES Act (Coronavirus Aid, Relief and Economic Security Act). We have closely monitored activity at a federal level and our teams are working tirelessly to advocate for the businesses we serve.

The SBA Debt Relief program was introduced to defer existing loan payments and the SBA Economic Injury Disaster Relief Loan will help businesses overcome the temporary loss of revenue. The CARES Act also established a new Paycheck Protection Program (PPP) to allow small businesses the ability to keep their workers employed and to rehire recently laid off employees due to the COVID-19 pandemic.

As a community bank and business advocate, we are ensuring our entire service footprint is served by these programs, including small rural businesses who are often ignored by national institutions. As an existing SBA lender, Plumas Bank is participating in these SBA programs available, including the newly introduced PPP set to launch Friday, April 3.

The PPP loan is intended to provide a direct incentive for small businesses to keep their workers on the payroll. The covered loan period is Feb. 15, 2020 to June 30, 2020 and there are criteria for some forgiveness of debt. We will be able to facilitate this program only for businesses that were Plumas Bank clients as of Feb. 15, 2020, which is the beginning of the covered period.

Plumas Bank clients may contact their local loan officer or branch manager for more information about disaster relief programs. With the strong credit quality and capital position we have built, we will continue to assess every opportunity to help local businesses get their doors open again.


Andrew Ryback

President & Chief Executive Officer

Plumas Bank and Plumas Bancorp


More information on PPP from the US Treasury and US Small Business Administration.



To protect the health of our clients and team members, we encourage everyone to use our online and mobile banking, voice banking, and ATMs. Call us for assistance with these services at 888.375.8627. Branches are limiting in-person lobby access to one or two clients at a time. Drive-up windows are open where available. Visit our hours and locations page to view information about your preferred branch location.


Message from Plumas Bank President and CEO, Andrew J. Ryback

The health and well-being of our clients, colleagues, and communities are paramount as we continue to monitor the rapidly changing circumstances related to COVID-19, the illness caused by the coronavirus. Plumas Bank is closely following the latest guidance from the Center for Disease Control (CDC) as well as other state and federal agencies. Here’s what you need to know:

We are open and operational. The banking industry and banks like Plumas Bank are considered essential businesses. As of now, our branches, loan offices and client resource center are open and fully operational to meet client needs. If we are mandated to close branches, clients can still have their banking needs met through our remote banking services.

Our community’s health is top of mind. We have implemented enhanced cleaning procedures and social distancing for our branches, loan offices and administrative buildings. For our team members and clients, we are following the CDC guidelines; asking people to stay home when sick, reviewing client traffic patterns and branch staffing needs, and ensuring adherence to best practices.

We offer remote and out of branch banking services 24/7. Clients can bank from the comfort of their homes with ready access to online banking and mobile banking services. For clients who are not yet enrolled, we are providing expedited assistance by calling our client resource center at 888.3PLUMAS (375.8627). We also offer remote deposit capture services for businesses.

Additionally, we have ATMs at all our branches and offer several out of branch ATM locations listed on our website at Also, clients and businesses may use night drop outside of each branch and deposits will be credited to their account the next business day.

We have plans in place as well as resources for dealing with this crisis. Plumas Bank is well capitalized and well positioned to serve local communities during this health crisis. We have defined pandemic planning as a critical part of our risk management strategies, and these business continuity plans are developed under regulatory oversight by state and federal authorities.

As an industry, our nation’s banks are stable. Plumas Bank has strong credit quality, liquidity and capital levels and can weather the financial stressors that will result from the COVID-19 pandemic. Currently, we could borrow over $200 million on our Federal Home Loan Bank (FHLB) borrowing line and have over $30 million in excess cash held at the Federal Reserve. Additionally, we have borrowing lines with correspondent banks totaling another $41 million. This information is publicly disclosed in our SEC form 10-K filing.

We’re sharing reliable information on COVID-19 to stop misinformation and offer helpful resources. We’ve launched a tips and resources page on our website at We’re posting updates to our social media accounts. We’re providing our clients and colleagues valuable information.  

We’re working with our clients to weather this storm. Our branch managers and loan officers are reaching out to clients to understand their concerns, offering flexibility where possible and facilitating access to disaster relief resources.

Each day we learn more about COVID-19 and how it’s affecting our communities. We continue to monitor this quickly evolving situation, and we are here to assist as needed – HERE. For Good.

Lastly, thank you for entrusting us with your banking needs and for allowing us the opportunity to continue to provide you with the exceptional client experience you’ve come to expect from Plumas Bank. We stand ready to support the financial needs and the health and well-being of the communities we serve.



Andrew J. Ryback, President and Chief Executive Officer


Update 3/17/20

The spread of COVID-19 (coronavirus) is top of mind for all of us. To keep our clients, team members and communities safe and to do our part in curbing further reach of the virus, we have enacted the following protections:

Bank branches, loan offices and administrative buildings have increased the cleaning of our facilities and disinfecting of surfaces. We’ve provided alcohol-based hand sanitizers and cleaning wipes throughout our workspaces.

Branches are displaying helpful infographics to educate clients on hand hygiene and necessary social distancing at this time.

Clients are encouraged to use our convenient out of branch banking services or access our online banking and mobile banking services. For clients who are not yet enrolled, we are providing expedited assistance through our Client Resource Center.
We also offer several out of branch ATM locations.
Lastly, clients and businesses may use night drop outside of each branch and deposits will be credited next business day. We also offer remote deposit capture services for businesses.
Unfortunately, as of Friday, March 20, we will not be able to host or participate in any non-essential gatherings including public use of our branch community rooms, conference rooms or other spaces.

Team member travel for work purposes is restricted at this time, and we have established virtual meetings where possible for our board, community committees and team member meetings.

Additionally, we have encouraged team members to stay home when sick and place priority on their health and well-being.

We all stand together to navigate these challenging times. Our focus is on the health and safety of our clients, team members and community.

Visit our Helpful Resources page for more COVID-19 tips and information.


Updated 3/10/20
With worldwide attention on COVID-19 (coronavirus) and initial cases presenting in California and Nevada, the spread of coronavirus is top of mind for our clients and community businesses. As a local employer, we’re keeping our teams and board members informed and sharing resources. We’re also keeping in touch with local business leaders as they anticipate effects to their operations, and we’re reviewing our business continuity plans ongoing.

Banking from the Comfort of Home
As the outbreak evolves, some members of the community are avoiding busy public places and this may include our bank branches. We’re helping clients to conveniently access their bank accounts via online banking and our mobile services. We also have several out of branch ATM locations. Our branches are ready to assist clients when they visit in-person and our customer service representatives are available via our call center as well. 

Reliable Sources of Information
As more and more information is shared regarding the progress of COVID-19 virus, it can be difficult to decide what information is useful and what is not.   Be sure that you’re getting the most accurate information from trusted websites such as Center for Disease Control, World Health Organization and your local/state health departments.
Business Continuity Tips for Businesses and Employers
The CDC offers valuable resources for businesses and employers to plan for the impact of COVID-19. Many of the recommended steps are best practices in decreasing the spread of any acute respiratory illness. 
Articles like these from Harvard Business Review offer tips for business continuity planning as the scale of the coronavirus outbreak evolves: 
-    Supply-chain considerations are top of mind including what businesses can do now even in the midst of an outbreak. 
-    Be aware of your company’s legal obligations including quick reminders such as employee communications and privacy considerations. 

Additionally, offers tools and templates for business continuity planning including business impact analysis, risk mitigation and scenarios to consider. 

Help stop the spread of rumors which can negatively impact local businesses due to misinformation. Here’s an easy to read infographic from the CDC: Share the Facts about COVID-19.