Plumas Bank in the SBA file

SBA lists Plumas Bank as current or last holder of 729 loans approved in FY2017 through FY2026, adding up to $524.7 million in gross dollars. The 7(a) count equals 729 and the 504 count equals 0. The page reports a file, not a lending policy, and it takes no view of how the bank decides.

Restaurants and fuel stops

404 loans carry no asset class. Full-service restaurant is the largest classed group at 89, then gas station and truck stop at 40 alongside limited-service restaurant at 40. Automotive mechanical repair (car and truck) has 23, and 18 apiece go to child care center and to coffee shop and snack bar. Fuel stops depend on traffic counts and margins on fuel and in-store sales, which a study has to test on the specific site and against competing stations. For a restaurant the weight falls on seat sales, kitchen and dining-room build cost, and the rent those sales can carry.

California, almost entirely

California holds 639 of the loans. Nevada has 56, Oregon 16 and Washington 8. By count the file is tied to the West Coast, with one state carrying nearly all of it. A borrower elsewhere should not draw conclusions from it, and even a Californian project needs its own local evidence.

A low charge-off floor beside cancellation

On FY2017 to FY2024 approvals, 8.3% were cancelled, a floor, and the ceiling lands on the same 8.3%. Across 422 loans disbursed over FY2017 to FY2021, the charge-off share so far is 1.7%, a floor. For the five-year measure, Loan Analytics' own rule keeps the number off the page, and no one should take that as zero. The low floor describes a cohort and says nothing about a new project, because loans disbursed later are not in it.

What a borrower should still prove

A study sets out what the loan counts cannot: who will buy, what it costs to build and run, whether income can carry the loan in a weak year and what an appraiser will support. Use this page to see what the holder's file looks like, then prove the project. A lender reading a study sees the same questions answered in an orderly way.

SBA loans held by Plumas Bank

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026	729
Gross dollars approved	$524.7 million
SBA 7(a) loans	729
SBA 504 loans	0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	8.3%
The same, counting loans still undisbursed as cancelled (a ceiling)	8.3%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	1.7%
Charged off within five years of approval	withheld
Loans in that cohort	422

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	404
Full-service restaurant	89
Gas station and truck stop	40
Limited-service restaurant	40
Automotive mechanical repair (car and truck)	23
Child care center	18
Coffee shop and snack bar	18
Hotel and motel	13
Fitness center	13
Car wash	12
Liquor store	11
Grocery store	7
Assisted living (without nursing care)	6
Medical office (physicians)	6

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or area	Loans
California	639
Nevada	56
Oregon	16
Washington	8

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-23275.

Related feasibility study pages

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Plumas Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Daniel Smith, MAI

Plumas Bank: SBA Lending Record