Author: Ravi Shankar

21 October 2026

Notification no. 85/2026

Transactions made by persons obliged to report transactions to the Danish FSA and Nasdaq Copenhagen, cf. the EU Market Abuse Regulation.

In connection with the share buy-back program in Danske Bank A/S, APMH Invest A/S continuously sells shares pro rata.

For further details, please find the attached templates for notifications and public disclosure of transactions by persons discharging managerial responsibilities and persons closely associated with them.

Contact: Stefan Kailay Wind, Nordic Head of Media Relations, tel. +45 45 14 14 00

Attachment

• APMH Invest AS – sale – 2026 10 20

NEW YORK, Oct. 21, 2026 (GLOBE NEWSWIRE) — Creatd, Inc. (OTCQB: CRTD) today announced that its application for listing on the Nasdaq Capital Market has been successfully submitted. Nasdaq has assigned a listing analyst to the application, giving Creatd a point of contact for follow-up dialogue and application materials as the review progresses.

“We have been working toward this step for a number of years, and submitting the Nasdaq application and receiving a listing analyst assignment are meaningful milestones in that process. We thank the shareholders who have continued to believe in us, our business partners and team who have worked tirelessly to reach this point. We will continue to keep the investor community up to date as the review progresses,” said Jeremy Frommer, Chairman and Chief Executive Officer of Creatd, Inc.

The application remains subject to Nasdaq’s review and the satisfaction of applicable listing requirements. The submission and assignment are process milestones, not approval of the application or a decision to list Creatd’s securities. There can be no assurance that the application will be approved or that Creatd will satisfy all requirements.

Creatd has been working toward a national exchange listing through a staged process focused on reporting, governance and operating readiness. The Company will continue to provide updates as material steps in the process are completed.

About Creatd, Inc.
Creatd, Inc. (OTCQB: CRTD) is a company focused on technology-enabled businesses, digital media properties, and intellectual property assets. Through its operating subsidiaries and strategic investments, the Company develops and supports opportunities for creators, entrepreneurs, and emerging growth initiatives.

Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on current expectations, estimates, and assumptions and involve risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as of the date they are made. Creatd undertakes no obligation to update or revise any forward-looking statements except as required by applicable law.

Contact:
ir@creatd.com

Winter Park, Florida, Oct. 21, 2026 (GLOBE NEWSWIRE) — Tron Inc. (Nasdaq: TRON), the largest publicly traded holder of TRON (TRX) tokens, today provided an update on its TRON network integration initiatives.

Strong community support in token delegation has elevated the company’s Super Representative (SR) node to No. 1 in the current rankings, with approximately 3.71 billion delegated TRX tokens as of October 21, 2026, underscoring rapid growth since its official SR election earlier this month.

To further broaden recurring on-chain revenues and deepen its integration with the Tron Network infrastructure, Tron Inc. intends to operate multiple nodes leveraging its proven technical framework.

These steps come as the TRON network experiences rapid growth in stablecoin activity, now hosting over $94 billion or more than 50% of global USDT stablecoin circulation and reinforcing its position as the leading settlement protocol for on-chain payments.

“Our rising SR rank reflects a strong vote of confidence by the Tron community that positions us to increase participation in the TRON ecosystem and expand revenue streams through further infrastructure integration,” said Rich Miller, Tron Inc. CEO.

About Tron Inc.

Tron Inc. is a publicly traded company pioneering integrated treasury strategies. As the public company with the largest TRON (TRX) tokens holdings, Tron Inc. is committed to transparency, and the adoption of decentralized finance for long-term value creation. In addition, through its wholly owned subsidiary, the Company designs, develops, and manufactures custom merchandise which includes toys and souvenirs for the world’s largest theme parks and other entertainment venues. Many of the Company’s products are based on award winning multi-billion-dollar entertainment franchises that are featured in popular movies and books. The products are distributed worldwide at Walt Disney Parks and Resorts, Universal Parks and Destinations, United Parks and Resorts SeaWorld, Six Flags and other attractions.

Caution Regarding Forward-Looking Statements

Certain statements in this announcement are forward-looking statements. Investors can identify these forward-looking statements by words or phrases such as “may,” “will,” “expect,” “anticipate,” “aim,” “estimate,” “intend,” “plan,” “believe,” “is/are likely to,” “potential,” “continue,” “seek,” “commit” or other similar expressions. These statements include, but are not limited to, statements regarding the Company’s intention to operate multiple nodes, its ability to maintain or improve its SR ranking, the expansion of recurring on-chain revenues, the Company’s continued expansion into DAT treasury holdings and long-term vision to build shareholder value through innovation and strategic leadership. These statements are subject to uncertainties and risks including, but not limited to, the risk factors discussed in the Risk Factors and in Management’s Discussion and Analysis of Financial Condition and Results of Operations sections of our Forms 10-K, 10-Q and other reports filed with the SEC and available at www.sec.gov. Although the Company believes that the expectations expressed in these forward-looking statements are reasonable, it cannot assure you that such expectations will turn out to be correct, and the Company cautions investors that actual results may differ materially from the anticipated results and encourages investors to review other factors that may affect its future results in the Company’s registration statement and other filings with the SEC. Additional factors are discussed in the Company’s filings with the SEC, which are available for review at www.sec.gov. The Company undertakes no obligation to update or revise publicly any forward-looking statements to reflect subsequent occurring events or circumstances, or changes in its expectations that arise after the date hereof, except as may be required by law.

For additional details, follow on X:
https://x.com/TRON_INC

Investor Relations Contact:
Tron Inc.
t.network
(407) 230-8100

As digital threats grow more sophisticated, Cyabra continues to help governments and enterprises detect coordinated manipulation and protect digital trust.

New York, NY, Oct. 21, 2026 (GLOBE NEWSWIRE) —  Cyabra, Inc. (Nasdaq: CYAB) (“Cyabra“ or the ”Company“), an artificial intelligence (“AI“)-powered platform that helps governments and enterprises detect coordinated manipulation and protect digital trust, today announced it has been named a “Sample Vendor” in 10 separate 2026 Gartner Hype Cycle reports[1]. The citations span Digital Banking Transformation, Generative AI, AI Governance, Life Science Enterprise Technologies, Artificial Intelligence in Insurance, AI in Supply Chain, Digital Marketing, Intelligent Health, Public Safety and Law Enforcement, and Emerging Technologies.[2]

Across these reports, Cyabra is named under two categories: TrustOps, cited in the Digital Banking Transformation, Artificial Intelligence in Insurance, and Digital Marketing reports. Disinformation Security, cited in the Generative AI, AI Governance, Life Science Enterprise Technologies, AI in Supply Chain, Intelligent Health, Public Safety and Law Enforcement, and Emerging Technologies reports

Cyabra believes its inclusion across two related categories in 10 unrelated industry reports reflects the breadth of demand for coordinated manipulation and authenticity detection as organizations across sectors confront synthetic and inauthentic activity online.

In its Hype Cycle for Digital Marketing, 2026, Gartner assigns the TrustOps category a benefit rating of ”Transformational”, its highest benefit rating, with mainstream adoption expected within two to five years. In its Hype Cycle for AI Governance, 2026, Gartner assigns the Disinformation Security category a benefit rating of ”High”, with mainstream adoption expected within five to ten years. Cyabra believes this reflects a broader shift, as organizations move from treating online manipulation as a communications afterthought to a core operational and governance risk.

Cyabra was recognized as a Market Shaper in the inaugural 2026 Gartner® Emerging Market Quadrant™ for Narrative Intelligence – Startup Vendors. Cyabra’s full announcement of that recognition is available here. Cyabra believes its inclusion in these reports, together with its recognition in the Emerging Market Quadrant™, reflects both the breadth and depth of the market’s shift toward evidence-based authenticity and coordination detection.

Independent of Gartner’s research, Cyabra believes it is well positioned to serve this expanding market. The Company’s platform analyzes actors, behaviors, and content across digital channels to identify coordinated inauthentic activity and translate it into evidence-based action, and Cyabra has continued to expand its footprint across regulated industries, government agencies, and global enterprises.

“Being named a Sample Vendor across ten Gartner Hype Cycle reports this year is the kind of signal our investors and the broader market watch closely. We believe that it points to a category that’s expanding well beyond any single industry, at a moment when enterprise and government investment in this space is accelerating,” said Dan Brahmy, Co-Founder and CEO of Cyabra.

“What this tells the organizations we talk to is that coordinated manipulation isn’t a problem they can defer. It’s become a cross-functional risk that communications, security, and risk teams all now must plan for”, said David Low, Cyabra’s Chief Marketing Officer.

Gartner Diclaimer:

Gartner, Emerging Market Quadrant for Narrative Intelligence — Startup Vendors, 26 June 2026, Alfredo Ramirez IV, Apeksha Kaushik, Akif Khan, Amber Boyes, David Senf

Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

[1]: GARTNER and Hype Cycle are registered trademarks and service marks of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. All rights reserved.

[2] GARTNER Hype Cycle citations:

     1.     Gartner, Hype Cycle for Digital Banking Transformation, 2026, Alistair Newton, 14 June 2026
     2.     Gartner, Hype Cycle for Generative AI, 2026, Arun Chandrasekaran, 19 May 2026
     3.     Gartner, Hype Cycle for AI Governance, 2026, Svetlana Sicular, 20 July 2026
     4.     Gartner, Hype Cycle for Life Science Enterprise Technologies, 2026, Evun Wyer, 27 May 2026
     5.     Gartner, Hype Cycle for Artificial Intelligence in Insurance, 2026, Kimberly Harris-Ferrante, 15 June 2026
    6.     Gartner, Hype Cycle for AI in Supply Chain, 2026, Christian Titze, 23 July 2026
    7.     Gartner, Hype Cycle for Digital Marketing, 2026, Claudia Ratterman and Eric Schmitt, 9 July 2026 (ID G00850565)
    8.     Gartner, Hype Cycle for Intelligent Health, 2026, Faith Adams, 10 June 2026
    9.     Gartner, Hype Cycle for Public Safety and Law Enforcement, 2026, Mike Shevlin, Cesar Lozada, and Michael Berkholtz, 2 August 2026 (ID G00846318)
    10.  Gartner, Hype Cycle for Emerging Technologies, 2026, Christian Stephan, 22 July 2026

About Cyabra

Cyabra is an AI-powered narrative intelligence company that helps national security and defense organizations, government agencies, brands, communications agencies, and global enterprises restore trust and authenticity online by analyzing manipulated content, coordinated behaviors, and inauthentic actors. The platform helps teams understand who is operating, how activity is amplified, and where coordinated activity is shaping perception, translating evidence into clear mitigation steps. By reducing ambiguity and misdirected response, Cyabra enables proportionate, evidence-led action when clarity matters most.

For more information, visit www.cyabra.com.

Contact:

Investors: ir@cyabra.com

Media: pr@cyabra.com

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements include all statements that are not historical statements of fact and statements regarding Cyabra’s intent, belief, or expectations, including, but not limited to, statements regarding Cyabra’s future results of operations and financial position, planned products and services, business strategy and plans, market size and growth opportunities, competitive position and market trends. Some of these forward-looking statements can be identified by the use of forward-looking words, including ”may”, ”should”, ”expect”, ”intend”, ”will”, ”estimate”, ”anticipate”, ”believe”, ”predict”, ”plan”, ”targets”, ”projects”, ”could”, ”would”, ”continue”, ”forecast“ or the negatives of these terms or variations of them or similar expressions. For example, the Company is using forward-looking statements in this press release when it discusses its beliefs regarding the growing relevance of coordinated manipulation and authenticity detection across industries, the anticipated growth and adoption of related technologies, the significance of Gartner’s research and the Company’s inclusion therein, the expected expansion of market demand and investment in this area, and the Company’s belief that it is well positioned to capitalize on emerging market opportunities and serve government and enterprise customers. These statements relate to future events and involve known and unknown risks, uncertainties, and other factors which may cause actual results, performance, or achievements to be materially different from any future results, performance, or achievements expressed or implied by the forward-looking statements. Such factors include those set forth in Cyabra’s filings with the Securities and Exchange Commission. Prospective investors are cautioned not to place undue reliance on such forward-looking statements, which speak only as of the date of this press release. Cyabra undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future events, or otherwise.

Hong Kong, Oct. 21, 2026 (GLOBE NEWSWIRE) — Luda Technology Group Limited (NYSE American: LUD) (the “Company” or “Luda Technology”), a manufacturer and trader of stainless steel and carbon steel flanges and fittings products, today announced its entry into the Mongolia-China coal trading business. The Company has entered into agreements with two customers in the Chinese market for the supply of, in aggregate, 440,000 metric tons of Mongolian thermal coal over one year, comprising of 220,000 metric tons per customer. For each customer, the commitments cover 20,000 metric tons to be supplied through November 30, 2026, and an additional 200,000 metric tons through October 14, 2027. These agreements mark the Company’s expansion into commodity trading and provide the foundation for a broader long-term strategy focused on energy, metals, and marketable mineral products.

To support and meet these customer commitments, Luda has also entered into a supply agreement with a Mongolian company to source thermal coal originating from Tsogttsetsii, South Gobi Province, Mongolia. Luda will act as the trading intermediary between the Mongolian supplier and the two customers in China. Together, the purchase and sale agreements establish quantity commitments from both supplier and buyer but do not fix a unit price or total contract value. Pricing is subject to market conditions and confirmation before payment and shipment of each ordered batch. Through the initial customer agreements, Luda aims to establish procedures for quality testing, weight verification, and settlements to provide an operational framework for these trading activities.

Luda views its entry into the coal trading business as the first step in developing a broader, cross-border commodity trading platform. The Company intends to leverage capabilities developed through the execution of the agreements, including sourcing, quality control, logistics coordination, cross-border transaction management, and customer relationships to support the future growth and expansion of its commodity trading operations. Over time, Luda plans to evaluate opportunities across a wider range of energy, metals, and mineral commodities, including fluorspar, tungsten, iron ore and copper products. Any expansion beyond coal will depend on market demand, supplier relationships, financing requirements, regulatory considerations, and transaction economics. The Company has not yet entered into definitive agreements for these additional products unless otherwise announced.

Ma Biu, Chairman and Chief Executive Officer of Luda Technology Group, commented: “Our entry into the Mongolia-China coal trading business represents an important first step in establishing our commodity trading business and is intended to further diversify revenue streams beyond our core operations. Our immediate focus is successful execution of the contracted coal volumes, disciplined risk management, and building a reliable and foundational operating platform that can scale beyond coal trading. As we begin developing the necessary commercial relationships, we intend to evaluate opportunities to expand into additional energy, metals, and mineral commodities that can complement our trading operations and capabilities. Our objective is to build a diversified commodity trading business through carefully selected transactions supported by market demand and sound commercial fundamentals.”

About Luda Technology Group Limited

Luda Technology Group Limited is a manufacturer and trader of stainless steel and carbon steel flanges and fittings products. The Company’s history began with Luda Development Limited, incorporated in Hong Kong in 2004 and principally engaged in trading steel flanges and fittings. The Company also trades steel pipes, valves and other steel tubing products and serves customers in China and international markets. Luda is expanding its trading activities into energy, metals and mineral commodities, beginning with thermal coal, and is evaluating potential opportunities involving fluorspar, tungsten, iron ore, rare earth products and copper. For more information, please visit Luda Technology’s official website at www.ludahk.com.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995, including statements about performance of the coal agreements, delivery timing and volumes, growth of the Mongolia-China coal trading business, future orders, expansion into other commodities, working-capital management, business strategy and future growth. Words such as “believe,” “may,” “will,” “expect,” “intend,” “plan,” “target,” “objective,” “potential,” “evaluate,” “anticipate,” “continue,” “could,” “estimate,” “predict,” “project,” “should,” “would,” “pursue” and “expand” identify these statements. Forward-looking statements are based on current expectations and involve risks and uncertainties, including counterparty performance; commodity prices; product quality and weight verification; customer and supplier concentration in the Mongolia-China coal trading business;  the absence of fixed unit prices or total contract values for the Mongolia-China coal trading business, and the need to agree pricing for each batch; the Company’s ability to meet initial delivery commitments by November 30, 2026 in relation to the customer agreements for coal trading; cross-border transportation, border-crossing and logistics constraints between Mongolia and China; sanctions, export controls and trade restrictions; supplier reliability and customer demand; credit, payment, logistics, working-capital, financing and foreign-exchange risks; changes in trade, customs, tax, environmental and other regulatory requirements; required licenses and approvals; political and economic conditions in relevant markets; and the Company’s ability to identify and complete commercially viable transactions. Additional risks are described under ‘Item 3. Key Information—D. Risk Factors’ in the Company’s most recent annual report on Form 20-F and in its other filings with the U.S. Securities and Exchange Commission. The Company has not entered into definitive agreements for fluorspar, tungsten, iron ore, rare earth products or copper unless otherwise announced, and there is no assurance that its evaluation of these products will result in agreements, transactions, revenue or profit. Actual results may differ materially from those expressed or implied by the forward-looking statements. For these reasons, among others, investors are cautioned not to place undue reliance upon any forward-looking statements in this press release. Any forward-looking statements contained in this press release speak only as of the date hereof, and Luda Technology Group Limited specifically disclaims any obligation to update any forward-looking statement, whether as a result of new information, future events or otherwise, except as required by law.

Luda Technology Investor Relations

Email: ir@ludahk.com

350 PARK AVENUE

66-story, 1,400 foot trophy tower will deliver more than 1.9 million square feet of world-class office space and luxury amenities – setting a new standard in New York City

Citadel Enterprise Americas LLC leases 1.05 million SF

Construction is underway

NEW YORK, Oct. 21, 2026 (GLOBE NEWSWIRE) —

Vornado Realty Trust (NYSE: VNO), Ken Griffin and Rudin today announced:

• The closing of their 350 Park Avenue joint venture with ownership comprised of 60% by an affiliate of Ken Griffin, the founder and CEO of Citadel, 36% by Vornado and 4% by Rudin;
• Execution of a 1.05 million square foot anchor tenant lease with global investment firm Citadel Enterprise Americas LLC;
• Closing of a $3.3 billion construction loan

Construction of the tower is underway.

850,000 SF in the tower’s high rise with spectacular panoramic views will be available to the market.

The loan, provided by Wells Fargo Bank, N.A., JPMorgan Chase Bank, National Association, Bank of America, N.A., BMO Bank N.A., ING Capital LLC, PNC Bank and Standard Chartered Bank, represents a resounding vote of confidence in the state-of-the-art office tower and further solidifies Park Avenue as the world’s premier office district.

Designed by Foster + Partners, the 66-story, 1.9 million square foot tower will set a new standard for trophy office space in Manhattan.

350 Park Avenue advances the goals of the Greater East Midtown rezoning, delivering a landmark office tower and enhanced public realm in the heart of Midtown. The project will contribute a combined $150 million for the maintenance of St. Patrick’s Cathedral and Saint Bartholomew’s Church through the purchase of development rights. Additionally, it will provide more than $35 million for the city’s East Midtown Public Realm Improvement Fund. 350 Park was approved through New York City’s Uniform Land Use Review Procedure in September 2025.

C O N T A C T

Thomas J. Sanelli
(212) 894-7000

Certain statements contained herein may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not guarantees of performance. They represent our intentions, plans, expectations and beliefs and are subject to numerous assumptions, risks and uncertainties. Our future results, financial condition and business may differ materially from those expressed in these forward-looking statements. You can find many of these statements by looking for words such as “approximates,” “believes,” “expects,” “anticipates,” “estimates,” “intends,” “plans,” “would,” “may” or other similar expressions in this press release. For a discussion of factors that could materially affect the outcome of our forward-looking statements and our future results and financial condition, see “Risk Factors” in Part I, Item 1A, of our Annual Report on Form 10-K for the year ended December 31, 2025. Currently, some of the factors are interest rate fluctuations and the effects of inflation on our business, financial condition, results of operations, cash flows, operating performance and the effect that these factors have had and may continue to have on our tenants, the global, national, regional and local economies and financial markets and the real estate market in general.

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/16385684-87af-4f4c-82cc-c503925b90bc

October 21st, 2026 Vilnius, Lithuania, NRD Companies, a global software development and consulting group specializing in Digital Public Infrastructure, GovTech and FinTech solutions, generated consolidated revenue of EUR 6.42 million in the first half of 2026, an increase of 15 percent compared with the same period last year. EBITDA rose by 57 percent to EUR 1.07 million, while net profit increased by 147 percent, from EUR 0.26 million to EUR 0.65 million.

The results build on strong performance in 2025, when revenue increased by 20 percent to EUR 11.93 million and adjusted EBITDA reached EUR 1.93 million. In H1 2026, gross profit rose by 27 percent to EUR 3.01 million and the adjusted EBITDA margin increased from 12.2 percent to 16.7 percent demonstrating stronger operational efficiency. The Group generated revenue in 21 countries, with markets outside Lithuania accounting for 51 percent of total revenue.

“The stronger performance reflects a combination of factors: the merger of NRD Systems and ETRONIKA, the alignment of processes and improved operating efficiency, continued technological advancement of our solutions, and the stronger reputation NRD Companies has built through successful international delivery. Together, these factors give us a more scalable platform for growth and greater capacity to serve customers across our priority sectors,” said Mindaugas Glodas, CEO of NRD Companies.

NRD Digital, formed through the merger of NRD Systems and ETRONIKA at the end of 2025, now serves as the Group’s principal technology development and implementation centre. The consolidated organization enables NRD Companies to allocate subject matter expertise more efficiently and serve customers across the public and private sectors by implementing its proprietary and tailored digital solutions.

The integration also supports consistent cybersecurity, information security, quality and environmental management practices aligned with ISO 27001, ISO 9001 and ISO 14001. These capabilities strengthen the Group’s ability to deliver and support critical digital systems for institutions that require reliability, regulatory compliance and long-term operational continuity.

Several projects from the first half of the year demonstrate NRD Companies’ competitiveness and deep subject matter expertise in tax administration, registries and digital government. For the Zimbabwe Revenue Authority, the Group advanced a Fiscalization Data Management System based on its VFDMS platform, enabling real-time validation of fiscal data and stronger tax compliance controls. In Belize, NRD Companies continued enhancing the Online Business Registration System and developing a Licensing Management Information System to streamline registration, licensing and regulatory supervision. The Group also worked with the Inter-American Development Bank and the Pan American Health Organization on the Pan-American Highway for Digital Health, which will enable secure cross-border exchange of clinical data. In Lithuania, it completed the Mano Muitinė customs services portal and delivered a Digital Transformation Strategy for the Central Project Management Agency.

The Group also introduced its External Technical Teams service, giving customers flexible access to programmers, business analysts and project management teams with subject matter expertise relevant to the systems being developed or modernized.

Looking ahead, NRD Companies will pursue two complementary growth paths: expanding its proprietary platforms and repeatable solutions, while deepening high-value advisory relationships with public institutions and regulated industries. The Group will also continue developing its international pipeline and partnerships in priority markets.

“We see governments around the globe investing in secure digital infrastructure, and we are confident in the opportunities ahead. Advancing our own platforms and solutions gives us an important competitive advantage and enables more repeatable delivery across markets. At the same time, we will continue providing high-quality GovTech consulting services, helping institutions strengthen data governance, prepare for the responsible use of artificial intelligence and modernize their digital services,” Mindaugas Glodas added.

About NRD Companies

NRD Companies is a global information technology and consulting group operating in the GovTech and FinTech sectors. The Group specializes in the governance and development of economic digital infrastructure for governments, registries, tax administrations, financial institutions and national postal services. Incorporated in Norway and headquartered in Lithuania, NRD Companies brings over 30 years of experience, employs more than 120 professionals, and has successfully delivered projects in over 60 countries worldwide.

The person authorized to provide additional information:
Kazimieras Tonkūnas
INVL Technology Managing Partner
E-mail k.tonkunas@invltechnology.lt

Attachment

• NRD_Companies_2026 H1_results

Wyoming drivers can now purchase Root car insurance in minutes as the technology company continues its expansion across the United States

COLUMBUS, Ohio, Oct. 21, 2026 (GLOBE NEWSWIRE) — Root, Inc. (NASDAQ: ROOT), the leading technology company in car insurance, today announced that Root Insurance is now available in Wyoming, expanding its auto insurance availability to 38 states representing 81% of the U.S. population. The launch of Root Insurance in Wyoming advances the company toward its goal of providing coverage across the contiguous United States by the end of 2027.

Wyoming drivers can now get a Root car insurance quote, customize their coverage, and purchase a policy in just minutes, and manage their policy directly in the Root app. Root uses technology and data science to more precisely understand and price risk while creating a simple, digital insurance experience for customers.

“Launching in Wyoming brings us another step closer to making Root available to drivers across the country,” said Alex Timm, Root Founder and CEO. “We’ve built a technology and data science platform that allows us to enter new markets efficiently and give more consumers access to a personalized, easy insurance experience. Wyoming drivers can now get a quote and purchase coverage whenever they’re ready, making it possible to get insured and on the road the same day. We’re excited to bring that experience to more drivers as we continue expanding nationwide.”

Root car insurance is now available in Wyoming
Wyoming drivers can now shop for, purchase, and manage Root auto insurance digitally. Root offers Wyoming customers the ability to:

• Get a Root insurance quote and purchase coverage in minutes: Wyoming drivers can get a quote and purchase a policy online in just minutes.
• Customize their auto insurance coverage: Customers can select from available coverage limits and deductibles to find a policy that fits their individual needs.
• Manage their policy digitally: Root customers can access insurance documents, make policy changes, and start a claim through the Root mobile app.
• Access Root through multiple channels: Root offers insurance directly to consumers and through a growing network of independent insurance agents and distribution partners.

Root offers personal auto insurance in Wyoming, including liability, comprehensive, and collision coverage, subject to eligibility and availability.

Car insurance coverage options available in Wyoming

Root offers Wyoming drivers a range of car insurance coverage options to meet their needs and protect them on the road. Available coverages include:

• Liability Coverage: Helps pay for injuries and property damage you cause to others in an accident.
• Collision Coverage: Helps pay to repair or replace your vehicle if it’s damaged in a collision, regardless of fault.
• Comprehensive Coverage: Helps cover damage to your vehicle from events outside of collisions, including theft, vandalism, severe weather, and falling objects.

Wyoming drivers can customize their policies by selecting available coverage options, limits, and deductibles that fit their needs and budgets. Coverage options are subject to eligibility and availability.

Root expands car insurance availability to 38 states
Wyoming is the 38th state where Root offers auto insurance, following the company’s expansion into New Jersey in July 2026. With this latest launch, Root now offers car insurance in states representing 81% of the U.S. population and continues working toward its goal of expanding across the contiguous United States by the end of 2027.

Root was founded in 2015 in Columbus, Ohio, with a focus on using technology, data science, and driving behavior to improve how car insurance is priced and experienced. Its technology platform supports efficient geographic expansion and allows Root to reach customers through its direct-to-consumer channel, independent insurance agents, and distribution partners.

How to get Root car insurance in Wyoming

Wyoming drivers can get a quote and purchase coverage through the Root mobile app or by visiting the Wyoming car insurance page. Drivers can also start a quote online.

No test drive is required to purchase a Root policy in Wyoming. Eligible drivers can get a quote, select their coverage, and purchase insurance immediately through Root’s digital experience.

Coverage, discounts, and eligibility may vary. Root auto insurance in Wyoming is underwritten by Root Property & Casualty Insurance Company.

Frequently Asked Questions About Root Insurance in Wyoming

Is Root Insurance available in Wyoming?
Yes. Root Insurance is now available in Wyoming. Wyoming is the 38th state where Root offers car insurance, expanding its availability to states representing 81% of the U.S. population.

Can I get Root car insurance immediately in Wyoming?
Yes. Wyoming drivers can get a Root car insurance quote and purchase coverage immediately, without completing a test drive or waiting for a driving evaluation. Eligible drivers can purchase a policy online in just minutes.

Does Root Insurance require a test drive?
No. Root Insurance does not require a test drive to purchase car insurance. Drivers can get a quote online, customize their coverage, and purchase a policy right away.

How much can you save with Root Insurance in Wyoming?
Safe drivers who switch to Root Insurance can save up to $1,300 annually, subject to driving behaviors and chosen coverage levels.*

*Potential annual savings based on survey of actual customers who purchased a new Root policy in active markets between February 2025 – February 2026 and reported savings; changes in coverage levels not evaluated. Potential savings will vary.

What types of car insurance coverage does Root offer in Wyoming?
Root offers personal auto insurance in Wyoming, including liability, comprehensive, and collision coverage, subject to eligibility and availability. Drivers can explore available coverage options at Root’s Wyoming car insurance page.

How can I get a Root car insurance quote in Wyoming?
Wyoming drivers can get a quote and purchase coverage through the Root mobile app or by visiting the Wyoming car insurance page. Drivers can also start a quote online.

Can I buy and manage my Root car insurance online?
Yes. Root provides a digital insurance experience that allows customers to purchase and manage policies, access insurance documents, make policy changes, and start a claim through the Root mobile app.

Is Root Insurance available through independent insurance agents in Wyoming?
Root’s availability through independent insurance agents in Wyoming is subject to confirmation. Agents interested in selling Root Insurance can apply, begin the process and get appointed in as little as 24 hours.

How many states does Root Insurance operate in?
Root now offers auto insurance in 38 states, including Wyoming, representing 81% of the U.S. population. The company plans to expand across the contiguous United States by the end of 2027.

Where is Root Insurance available?
Root offers car insurance in 38 states, including Wyoming. Consumers can check availability in their state and explore coverage options online.

About Root, Inc.
Root Insurance is a technology company revolutionizing car insurance through data science and automation. Founded in 2015 and based in Columbus, Ohio, Root, Inc. (NASDAQ: ROOT) is the parent company of Root Insurance Company. The Root app has reached more than 18 million downloads and has analyzed more than 37 billion miles of driving data to deliver personalized, easy, and fair pricing. Root is available in 38 states and offers auto insurance to consumers across the United States through its direct-to-consumer channel, independent insurance agents, and distribution partners.

For more information, visit root.com.

Contacts
Media:
press@joinroot.com

Root Inc, Forward-Looking Statements
This press release contains forward-looking statements within the meaning of federal securities laws regarding Root, Inc. These forward-looking statements relate to, among other things, expectations about our future business results, the success of our business in Wyoming, and our ability to complete our expansion into the contiguous U.S. by year-end 2027. Such forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties, and other factors, some of which are beyond the company’s control and are difficult to predict. We have based our forward-looking statements on our current expectations, estimates, and projections about our industry and our company. We caution that these statements are not guarantees of future performance and you should not rely unduly on them, as they involve risks, uncertainties, and assumptions that we cannot predict. Accordingly, our actual results may differ materially from the future performance that we have expressed or forecast. In accordance with “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, we have included in Root’s Form 10-K for the year ended Dec. 31, 2025, and other SEC filings, cautionary language identifying important factors that could cause future outcomes to differ materially from those set forth in the forward-looking statements. Copies of Root’s Form 10-K and other SEC filings are available on the SEC’s website, Root’s website at ir.joinroot.com/investor-relations, or by contacting Root’s Investor Relations office.

Inaugural use case combines NVIDIA AI models with Vaisala Xweather’s proprietary lightning data to extend lightning forecasting from one hour to three hours, giving customers more time to respond to severe weather.  

With NVIDIA GTC Berlin underway, Vaisala Xweather, the world’s leading provider of weather observation networks and data intelligence services, announced today a landmark strategic collaboration with NVIDIA to advance AI-powered early warning across severe and high-impact weather. The collaboration brings NVIDIA Earth-2 and accelerated computing into Vaisala Xweather’s proprietary observation networks, lightning data and operational weather products. The combination of these complementary assets gives customers the weather industry’s most advanced lead time, better preparedness, and stronger protection when severe weather strikes. 

While NVIDIA Earth-2 represents one of the most ambitious efforts in applied atmospheric AI, Vaisala Xweather brings what no AI model alone can provide, ground truth data with the world’s most extensive lightning detection datasets and decades of weather expertise. 

“High-impact weather doesn’t wait, and every extra minute of warning matters,” said Samuli Hänninen, Executive Vice President, Vaisala Xweather. “By combining NVIDIA Earth-2 models and AI tools with Vaisala Xweather’s observations and domain expertise, we can turn advanced models into earlier, more actionable warnings. For our customers, that means more time to protect their people, assets and operations.” 

The collaboration’s inaugural use case combines NVIDIA StormScope with Vaisala Xweather’s proprietary lightning data to extend lightning forecasting from one hour to three hours of lead time.  

Lightning is one of the fastest forming and most disruptive weather hazards. The impact of greater alert lead time will be felt across sectors most exposed to severe weather, including national meteorological services and government agencies, aviation, energy, maritime, transportation, and insurance. Two additional hours of warning can be the difference between reacting and preparing, giving customers the critical time to move crews to safety, control operations at airports, secure ports and wind farms, or manage crowds at outdoor venues. For these customers, earlier and more reliable warnings translate directly into safer people, protected infrastructure, and fewer costly disruptions. 

“AI weather models become far more powerful when grounded in real-world observations,” said Tim Carroll, Global Weather & Climate Business Manager, NVIDIA. “By building on StormScope with lightning data and a global sensor network, Vaisala Xweather can see severe weather coming hours earlier. Together, we’re showing how Earth-2 enables operational early warnings that protect lives and livelihoods.”  

Expanded lightning alerts are the first step in a broader collaboration. Vaisala Xweather plans to extend AI-powered warnings to other severe weather and enable more precise high-resolution AI forecasting. 

Vaisala Xweather will bring these expanding services to customers worldwide, from government agencies and national meteorological offices to commercial operators, helping them modernize forecasting, issue earlier, more confident warnings, and build the future of what AI for atmospheric science looks like. 

### 

About Vaisala Xweather  
Vaisala Xweather gives the world’s most demanding organizations the confidence to move beyond understanding the weather to acting on it. We take weather intelligence from sensor to insight, pairing our Vaisala heritage in measurement and atmospheric science with AI-enabled forecasting and the world’s largest observation networks. The result is decision-grade data and software that 40% of the Fortune 100 rely on to turn weather risk into advantage.     
xweather.com 

For media inquiries:  
Megan Schaefer  
Media & Public Relations Manager  
Tel. +1 720 948 6162  
megan.schaefer(at)vaisala.com   

Attachment

• Vaisala Xweather & NVIDIA

RENO, Nev., Oct. 21, 2026 (GLOBE NEWSWIRE) — Plumas Bancorp (Nasdaq: PLBC) referred to herein as the ‘Company’, the parent company of Plumas Bank, today announced record earnings during the third quarter of 2026 of $11.4 million, or $1.64 per share, an increase of $6.2 million from $5.1 million or $0.74 per share, during the third quarter of 2025. Diluted earnings per share increased to $1.61 per share during the three months ended September 30, 2026, up from $0.73 per share during the quarter ended September 30, 2025.

Return on average assets was 1.98% during the current quarter, up from 0.90% during the third quarter of 2025. Return on average equity increased to 16.7% during the current quarter, up from 8.5% during the third quarter of 2025.

Net interest income increased by $1.3 million from $25.2 million during the three months ended September 30, 2025, to $26.5 million during the current quarter. The provision for credit losses decreased from $5.4 million during the third quarter of 2025 to $150 thousand during the current quarter.

Non-interest income increased by $538 thousand from $2.2 million during the three months ended September 30, 2025, to $2.8 million during the third quarter of 2026.

Non-interest expense was flat compared to the third quarter of 2025 at $15.1 million.

The provision for income taxes increased $877 thousand to $2.6 million during the current quarter from $1.8 million during the third quarter of 2025, due to higher pre-tax earnings. The effective tax rate declined to 18.9% from 25.6% in the prior-year quarter, related to the purchase of $14.5 million in green energy tax credits.

For the nine months ended September 30, 2026, the Company reported net income of $31.1 million or $4.46 per share, an increase of $12.5 million from $18.6 million or $2.98 per share earned during the nine months ended September 30, 2025. Earnings per diluted share increased to $4.40 during the nine months ended September 30, 2026, up $1.46 from $2.94 during the first nine months of 2025.

Return on average assets was 1.85% during the nine months ended September 30, 2026, up from 1.35% during the first nine months of 2025. Return on average equity increased to 15.5% for the nine months ended September 30, 2026, up from 12.2% during the first nine months of 2025.

Net interest income increased by $15.8 million from $61.9 million during the nine months ended September 30, 2025, to $77.7 million during the current period. The provision for credit losses decreased from $6.5 million during the first nine months of 2025 to $420 thousand during the current period.

Non-interest income increased by $713 thousand from $7.8 million during the nine months ended September 30, 2025, to $8.5 million during the first nine months of 2026.

Non-interest expense increased by $7.3 million from $37.6 million during the first nine months of 2025 to $44.9 million during the current period.

The provision for income taxes increased by $2.8 million from $7.0 million, or 27.2% of pre-tax income, during the nine months ended September 30, 2025, to $9.8 million, or 23.9% of pre-tax income, during the current period.

Certain comparisons to prior-year periods are impacted by the acquisition of Cornerstone Community Bancorp (“Cornerstone”) on July 1, 2025, as 2026 year-to-date results reflect a full period of combined operations while 2025 year-to-date results reflect only three months of combined operations.

President’s Comments

Andrew J. Ryback, director, president, and chief executive officer of Plumas Bancorp, commented, “Our lower-cost relationship-based deposit franchise and enhanced loan yield supported profitability during the third quarter, with continued loan repricing helping to maintain strong net interest margin. Profitability was further supported by the execution of another green energy tax credit investment that reduced income tax expense by offsetting current and prior-year taxes.

Loan balances remained relatively consistent during the quarter, due in part to the continued planned runoff of our lower-yielding indirect auto portfolio. Asset quality slightly improved during the quarter, and we continue to work toward favorable resolutions with the same relationships.

Our strong capital position and experienced team provide us with the flexibility to navigate changing economic conditions, return capital through share repurchases, support our clients and communities, and continue building long-term value for our shareholders.”

Loans, Deposits, Investments and Cash

Gross loans were $1.5 billion at September 30, 2026 and 2025. Increases in loans included $35 million in commercial real estate loans, $5 million in construction loans, and $1 million in equity lines. These increases were offset by a decrease of $20 million in automobile loans, $15 million in agricultural loans, $4 million in other loans, and $2 million in commercial loans.

At September 30, 2026, approximately 79% of the Company’s loan portfolio was comprised of variable rate loans. The rates of interest charged on variable rate loans are set at specific increments in relation to the Company’s lending rate or other indexes such as the published prime interest rate or U.S. Treasury rates and vary with changes in these indexes. Repricing frequencies on variable rate loans range from one day to several years, with the majority of commercial real estate loans repricing every five years. Approximately 78% of the variable rate loans are indexed to the five year T-Bill rate and reprice every five years. Loans indexed to the prime interest rate were approximately 19% of the Company’s variable rate loan portfolio; these loans reprice within one day to three months of a change in the prime rate.

Total deposits increased by $47 million, or 2.6% from $1.8 billion at September 30, 2025, to $1.9 billion at September 30, 2026. The increase in deposits includes increases of $38 million in money market accounts and $22 million in time deposits that were partially offset by decreases of $11 million in savings deposits and $2 million in non-interest-bearing demand deposits. At September 30, 2026, 46% of the Company’s deposits were in the form of non-interest-bearing demand deposits. The Company’s brokered deposits consisted of a single $10 million time deposit acquired from Cornerstone, bearing an interest rate of 3.80%.

Total investment securities decreased by $10 million from $485 million at September 30, 2025, to $475 million at September 30, 2026. Contributing to this decrease was a $21 million increase in the unrealized loss position, from $23 million at September 30, 2025, to $44 million at September 30, 2026. The Company’s investment security portfolio consists of debt securities issued by U.S. Government agencies, U.S. Government sponsored agencies and municipalities.

Primarily related to the increase in deposits and cash flow from operations, cash and due from banks increased by $27 million from $87 million at September 30, 2025, to $114 million at September 30, 2026.

Asset Quality

Nonperforming assets (which are comprised of nonperforming loans, other real estate owned (“OREO”) and repossessed vehicle holdings) at September 30, 2026, were $21.3 million, up from $15.2 million at September 30, 2025. Nonperforming assets as a percentage of total assets increased to 0.94% at September 30, 2026, up from 0.68% at September 30, 2025. OREO increased by $21 thousand from $114 thousand at September 30, 2025, to $135 thousand at September 30, 2026. Nonperforming loans were $21.1 million at September 30, 2026, and $15.0 million at September 30, 2025. Nonperforming loans as a percentage of total loans increased to 1.41% at September 30, 2026, up from 1.0% at September 30, 2025.

During the nine months of 2026 the provision for credit losses totaled $420 thousand consisting of a provision for credit losses on loans of $350 thousand and an increase in the reserve for unfunded commitments of $70 thousand. This compares to a provision for credit losses of $6.5 million consisting of a provision for credit losses on loans of $6.3 million and an increase in the reserve for unfunded commitments of $211 thousand during the nine months ended September 30, 2025. The higher provision recorded during 2025 was primarily attributable to the Day 1 CECL provision on non-PCD loans and to a lesser extent the establishment of a reserve for unfunded commitments acquired in the Cornerstone Community Bancorp acquisition.

Net charge-offs totaled $567 thousand and $219 thousand during the nine months ended September 30, 2026 and 2025, respectively. The allowance for credit losses totaled $19.7 million at September 30, 2026, and $19.6 million at September 30, 2025. The allowance for credit losses as a percentage of total loans was 1.32% and 1.30% at September 30, 2026 and 2025.

The following tables present the activity in the allowance for credit losses and the reserve for unfunded commitments during the nine months ended September 30, 2026 and 2025 (in thousands).

Allowance for Credit Losses		September 30, 2026			September 30, 2025
Balance, beginning of period		$	19,959		$	13,196
CECL Day 1 provision on acquired non-PCD loans			–			4,972
Provision charged to operations			350			1,300
Reserve on PCD loans			–			315
Losses charged to allowance			(881)			(730)
Recoveries			314			511
Balance, end of period		$	19,742		$	19,564

Reserve for Unfunded Commitments		September 30, 2026			September 30, 2025
Balance, beginning of period		$	580		$	620
Provision on acquired loans			–			351
Provision charged to operations			70			(140)
Balance, end of period		$	650		$	831

Borrowing and Repurchase Agreements

Short-term Borrowing Arrangements. The Company is a member of the Federal Home Loan Bank of San Francisco (FHLB) and can borrow up to $451 million from the FHLB secured by commercial and residential mortgage loans with carrying values totaling $719 million. Based on its current level of FHLB stock holdings the Company can borrow up to $326 million. To borrow the full $451 million in available credit the Company would need to purchase $3 million in additional FHLB stock. The Company is also eligible to borrow at the Federal Reserve Bank (FRB) Discount Window. At September 30, 2026, the Company could borrow up to $55 million at the Discount Window secured by investment securities with a fair value of $57 million. In addition to its FHLB borrowing line and the Discount Window, the Company has unsecured short-term borrowing agreements with two of its correspondent banks in the amounts of $50 million and $20 million. There were no outstanding borrowings to the FHLB, FRB Discount Window or the correspondent banks at September 30, 2026 and 2025.

Note Payable. Plumas Bancorp had outstanding borrowings of $14.3 million with a correspondent bank at September 30, 2026. This loan matures on January 25, 2035, and can be prepaid at any time. This borrowing bears interest at a fixed rate of 3.85% for the first 5 years and then beginning January 25, 2027, at a floating interest rate linked to WSJ Prime Rate for the remaining eight-year term. Interest expense recognized on this loan for the nine months ended September 30, 2026 and 2025, was $418 thousand and $438 thousand, respectively.

Subordinated Debentures. In connection with the acquisition of Cornerstone, the Company assumed $12 million of subordinated debentures, including $2 million of 4.75% Fixed-to-Floating Rate Subordinated Notes due November 30, 2035 (the “2035 Notes”). The 2035 Notes, which were issued in 2020, have a fixed interest rate of 4.75% for the first ten years and thereafter a quarterly variable interest rate equal to the then current three-month term Secured Overnight Financing Rate (“SOFR”) plus 4.14%. The remaining subordinated notes were called in 2025 and are no longer outstanding. Interest expense recognized on the subordinated notes for the nine months ended September 30, 2026 and 2025, was $133 thousand and $225 thousand, respectively.

Repurchase Agreements. The Company offers a repurchase agreement product for its larger customers which use securities sold under agreements to repurchase as an alternative to interest-bearing deposits. Securities sold under agreements to repurchase totaled $62 million and $94 million at September 30, 2026 and 2025, respectively. Repurchase agreement balances at September 30, 2025 reflected accounts acquired in the Cornerstone Community Bancorp acquisition, approximately $41 million of which were subsequently reclassified to money market deposits during 2026. The balances at September 30, 2026, are secured by U.S. Government agency securities with a carrying amount of $89 million. Interest expense recognized on repurchase agreements for the nine months ended September 30, 2026 and 2025, was $968 thousand and $347 thousand, respectively.

Liquidity

The Company manages its liquidity to provide the ability to generate funds to support asset growth, meet deposit withdrawals (both anticipated and unanticipated), fund customers’ borrowing needs and satisfy maturities of short-term borrowings. The Company’s liquidity needs are managed using assets or liabilities, or both. On the asset side, in addition to cash and due from banks, the Company maintains an investment portfolio which includes unpledged U.S. Government-sponsored agency securities that are classified as available-for-sale. On the liability side, liquidity needs are managed by offering competitive rates on deposit products and the use of established credit lines.

At September 30, 2026, the Company had $576 million of available borrowing capacity through a combination of FHLB advances, the FRB Discount Window and correspondent bank lines.

Customer deposits are the Company’s primary source of funds. Total deposits increased by $47 million from $1.8 billion at September 30, 2025, to $1.9 billion at September 30, 2026. Deposits are held in various forms with varying maturities. The Company estimates that it has approximately $789 million in uninsured deposits which include uninsured deposits of Plumas Bancorp. Of this amount, $209 million represents deposits that are collateralized such as deposits of states, municipalities and tribal accounts.

The Company’s securities portfolio, Discount Window advances, FHLB advances, and cash and due from banks serve as the primary sources of liquidity, providing adequate funding for loans during periods of high loan demand. During periods of decreased lending, funds obtained from the maturing or sale of investments, loan payments, and new deposits are invested in short-term earning assets, such as cash held at the FRB and investment securities, to serve as a source of funding for future loan growth. Management believes that the Company’s available sources of funds, including borrowings, will provide adequate liquidity for its operations in the near future.

Shareholders’ Equity

Total shareholders’ equity increased by $16.5 million from $246.0 million at September 30, 2025, to $262.5 million at September 30, 2026. The $16.5 million includes earnings during the twelve-month period totaling $42.1 million and restricted stock and stock option activity totaling $2.4 million. These items were partially offset by an increase in accumulated other comprehensive loss of $14.8 million, the payment of cash dividends totaling $9.0 million and the purchase of approximately 80 thousand shares of common stock under the Company’s share repurchase plan totaling $4.2 million.

Net Interest Income and Net Interest Margin – Three Months Ended September 30, 2026

Net interest income increased by $1.3 million from $25.2 million during the three months ended September 30, 2025, to $26.5 million for the three months ended September 30, 2026. The increase in net interest income reflects an increase of $1.3 million in interest income and a $113 thousand decrease in interest expense.

Interest and fees on loans increased by $1.2 million to $24.8 million related to an increase in average balance and an increase in yield. Average loan balances increased by $26 million, while the average yield on these loans increased by 21 basis points from 6.35% during the third quarter of 2025 to 6.56% during the current quarter. The increase in yield relates to several factors including the amortization of discount on purchased loans, the repricing of a portion of our commercial real estate loans most of which reprice every five years from the date of origination, and growth in fixed rate SBA loans which totaled $132 million at September 30, 2026, and $94 million at September 30, 2025. The weighted average rate earned on this portfolio at September 30, 2026, was 8.0%. The average prime interest rate decreased from 7.46% during the third quarter of 2025 to 6.79% during the current quarter. Loans indexed to the prime interest rate were approximately 19% of the Company’s variable rate loan portfolio; these loans reprice within one day to three months of a change in the prime rate.

Interest earned on investment securities increased by $283 thousand related to an increase in yield on investment securities of 29 basis points to 4.35% partially offset by a decrease in average balance of $6 million. The increase in investment yields is consistent with the partial restructuring of the investment portfolio during the fourth quarter of 2025 and market conditions. Average investment securities decreased from $482 million during the three months ended September 30, 2025 to $476 million during the current period.

Interest earned on cash balances decreased by $224 thousand related to a decrease in average balance of $2 million and a decrease in average rate earned on cash balances of 74 basis points from 4.50% during the third quarter of 2025 to 3.8% during the current quarter. This decline in yield was mostly related to a decline in rate earned on balances held at the FRB. The average rate earned on FRB balances decreased from 4.36% during the third quarter of 2025 to 3.69% during the current quarter.

Interest expense on deposits increased by $197 thousand related to an increase of $24.6 million in average balance of interest-bearing deposits and a 4 basis point increase in the average rate paid on interest-bearing deposits. The average rate paid on interest-bearing deposits increased from 1.56% during the third quarter of 2025 to 1.60% during the current quarter, primarily due to an increase in the average rate paid on time deposits from 1.87% in the third quarter of 2025 to 2.77% during the current quarter. These increases were partially offset by a decrease in the average rate paid on money market deposits from 2.22% in the third quarter of 2025 to 1.79% during the current quarter.

The average rate paid on interest-bearing liabilities decreased from 1.67% during the third quarter of 2025 to 1.63% during the current quarter, as the increase in the average rate paid on interest-bearing deposits was more than offset by decreases in the average rates paid on repurchase agreements and borrowings. The average rate paid on repurchase agreements decreased from 1.69% during the third quarter of 2025 to 1.54% during the current quarter. The average rate paid on borrowings decreased from 5.20% during the third quarter of 2025 to 4.38% during the current quarter.

Net interest margin for the three months ended September 30, 2026, increased 22 basis points to 5.05%, up from 4.83% for the same period in 2025.

Net Interest Income and Net Interest Margin – Nine Months Ended September 30, 2026

Net interest income for the nine months ended September 30, 2026 was $77.7 million, an increase of $15.8 million from the $61.9 million earned during the same period in 2025. The increase in net interest income includes an increase of $19.8 million in interest income partially offset by an increase of $4.0 million in interest expense.

Interest and fees on loans increased by $18.9 million related to increases in average balance and yield. The average balance of loans during the nine months ended September 30, 2026 was $1.5 billion, an increase of $333 million from $1.2 billion during the same period in 2025. Average loan balances during the first nine months of 2026 reflect a full period of loans acquired in the Cornerstone Community Bancorp acquisition, while the comparable 2025 period reflects only a partial period following the acquisition. The average yield on loans increased by 30 basis points from 6.24% during the first nine months of 2025 to 6.54% during the current period.

Interest on investment securities increased by $1.3 million related to an increase in yield of 22 basis points to 4.30% and an increase in average balance of $16 million to $472 million. The increase in investment yield is consistent with the partial restructuring of the investment portfolio during the fourth quarter of 2025 and market conditions.

Interest on cash balances declined by $419 thousand due to decreases in both average balance and yield. The rate earned on cash balances declined by 74 basis points to 3.76%. The average balance in interest-bearing cash declined by $798 thousand to $71.4 million.

Primarily related to an increase in balance and rate paid on deposits and repurchase agreements, interest expense increased from $9.1 million during the nine months ended September 30, 2025 to $13.1 million during the current period. The average rate paid on interest-bearing liabilities increased from 1.43% during the 2025 period to 1.62% in 2026.

Interest expense on deposits increased by $3.5 million and is broken down by product type as follows: money market accounts – $1.2 million, savings deposits – $91 thousand and time deposits – $2.2 million. The average rate paid on interest-bearing deposits increased from 1.35% during the nine months ended September 30, 2025 to 1.57% during the current period. Average interest-bearing deposits totaled $986 million for the first nine months of 2026, an increase of $190 million from $796 million during the first nine months of 2025. Average interest-bearing deposit balances for the first nine months of 2026 reflect a full period of deposits acquired in the Cornerstone Community Bancorp acquisition, while the comparable 2025 period reflects only a partial period following the acquisition.

Interest expense on repurchase agreements increased by $621 thousand related to an increase in average balance of $41.7 million and an increase in rate paid of 40 basis points. The increase in average balances was primarily attributable to repurchase agreements acquired in the Cornerstone acquisition.

Net interest margin for the nine months ended September 30, 2026 increased 20 basis points to 5.07%, up from 4.87% for the same period in 2025.

Non-Interest Income/Expense – Three Months Ended September 30, 2026

During the three months ended September 30, 2026, non-interest income totaled $2.8 million, an increase of $538 thousand from the three months ended September 30, 2025. The increase was primarily driven by the absence of a $628 thousand loss on the sale of investment securities recognized in the prior-year quarter.

During the three months ended September 30, 2026, non-interest expense totaled $15.1 million, an increase of $11 thousand from the three months ended September 30, 2025. The four largest increases were $341 thousand in professional fees, $272 thousand in occupancy and equipment, $222 thousand in salaries and employee benefits, and $178 thousand in loan collection expenses. The largest reduction in non-interest expense was $879 thousand in merger expenses incurred during the third quarter of 2025. Management estimates that approximately $350 thousand of the professional fees and loan collection expenses recognized during the current quarter were nonrecurring in nature.

Non-Interest Income/Expense – Nine Months Ended September 30, 2026

During the nine months ended September 30, 2026, non-interest income totaled $8.5 million, an increase of $713 thousand from the nine months ended September 30, 2025. The increase was primarily attributable to the absence of a $625 thousand loss on the sale of investment securities during the nine months ended September 30, 2025.

Increases in non-interest income during the current period were $342 thousand in earnings on life insurance policies, $296 thousand in FHLB dividends, and $253 thousand in interchange income. Each of these items benefited from the acquisition of Cornerstone. These increases were mostly offset by a $1.1 million settlement related to the Dixie Fire during the first quarter of 2025.

Non-interest expense increased by $7.3 million from $37.6 million during the first nine months of 2025 to $44.9 million during the current period. The four largest increases were $4.0 million in salary and benefit expense, $1.5 million in occupancy and equipment expense, $1.0 million in amortization of core deposit intangible and $644 thousand in professional fees.

Salary and benefit expense totaled $22.9 million during the current nine-month period and $18.9 million during the nine months ended September 30, 2025. The $4.0 million increase primarily related to the addition of personnel through the Cornerstone Community Bancorp acquisition. Related to an increase in pre-tax income, bonus expense increased by $626 thousand.

Primarily related to the acquisition of Cornerstone and to a lesser extent the sales/leaseback completed during the fourth quarter of 2025, occupancy and equipment expenses increased by $1.5 million from $6.5 million during the first nine months of 2025 to $8 million during the current period. Amortization of Core Deposit Intangible increased by $1 million related to the acquisition of Cornerstone. Other expense increased by $603 thousand primarily related to a $726 thousand loss associated with two fraudulent wire transfers during the first quarter of 2026. The largest reduction in non-interest expense was $1.9 million in merger expenses incurred during the first nine months of 2025.

Provision for Income Taxes

During the third quarter of 2026, Plumas Bank purchased $14.5 million in green energy tax credits as part of its ongoing commitment to sustainability and responsible financial management. As a result of this transaction, the Company recorded a $1.2 million reduction in its provision for income taxes.

Plumas Bancorp is headquartered in Reno, Nevada. Plumas Bancorp’s principal subsidiary is Plumas Bank, which was founded in 1980. Plumas Bank is a full-service community bank headquartered in Quincy, California. The Bank operates eighteen branches: sixteen located in the California counties of Butte, Lassen, Modoc, Nevada, Placer, Plumas, Shasta, Sutter, and Tehama and two branches located in Nevada in the counties of Carson City and Washoe. The bank also operates two loan production offices located in Auburn, California and Klamath Falls, Oregon. Plumas Bank offers a wide range of financial and investment services to consumers and businesses and has received nationwide Preferred Lender status with the United States Small Business Administration. For more information on Plumas Bancorp and Plumas Bank, please visit our website at www.plumasbank.com.

This news release includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Exchange Act of 1934, as amended and Plumas Bancorp intends for such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Future events are difficult to predict, and the expectations described above are necessarily subject to risk and uncertainty that may cause actual results to differ materially and adversely.

Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate,” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” These forward-looking statements are not guarantees of future performance, nor should they be relied upon as representing management’s views as of any subsequent date. Forward-looking statements involve significant risks and uncertainties, and actual results may differ materially from those presented, either expressed or implied, in this news release. Factors that might cause such differences include, but are not limited to: the Company’s ability to successfully execute its business plans and achieve its objectives; changes in general economic and financial market conditions, either nationally or locally in areas in which the Company conducts its operations; changes in interest rates; continuing consolidation in the financial services industry; new litigation or changes in existing litigation; increased competitive challenges and expanding product and pricing pressures among financial institutions; legislation or regulatory changes which adversely affect the Company’s operations or business; loss of key personnel; and changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies.

Contact: Jamie Huynh
Investor Relations
Plumas Bancorp
5525 Kietzke Lane Ste. 100
Reno, NV 89511
775.786.0907 x8908
investorrelations@plumasbank.com

PLUMAS BANCORP
CONDENSED CONSOLIDATED BALANCE SHEETS
(In thousands)
(Unaudited)
		As of September 30,
		2026			2025			Dollar Change			Percentage Change
ASSETS
Cash and due from banks		$	114,360		$	87,279		$	27,081		31.0%
Investment securities		475,168			484,686			(9,518)			(2.0)%
Loans, net of allowance for credit losses		1,479,755			1,480,415			(660)			0.0%
Premises and equipment, net		23,436			24,983			(1,547)			(6.2)%
Right-of-use assets		27,549			23,937			3,612			15.1%
Bank owned life insurance		34,479			33,396			1,083			3.2%
Core deposit intangible		9,402			11,668			(2,266)			(19.4)%
Goodwill		24,215			24,215			–			0.0%
Accrued interest receivable and other assets		77,932			58,829			19,103			32.5%
Total assets		$	2,266,296		$	2,229,408		$	36,888		1.7%
LIABILITIES AND
SHAREHOLDERS’ EQUITY
Deposits		$	1,866,643		$	1,819,536		$	47,107		2.6%
Repurchase agreements		62,191			96,862			(34,671)			(35.8)%
Lease liabilities		28,063			24,631			3,432			13.9%
Accrued interest payable and other liabilities		30,903			15,724			15,179			96.5%
Borrowings		16,045			26,705			(10,660)			(39.9)%
Total liabilities		2,003,845			1,983,458			20,387			1.0%
Common stock		73,604			75,426			(1,822)			(2.4)%
Retained earnings		220,103			187,015			33,088			17.7%
Accumulated other comprehensive loss, net		(31,256)			(16,491)			(14,765)			(89.5)%
Shareholders’ equity		262,451			245,950			16,501			6.7%
Total liabilities and shareholders’ equity		$	2,266,296		$	2,229,408		$	36,888		1.7%
PLUMAS BANCORP
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except per share data)
(Unaudited)
FOR THE THREE MONTHS ENDED SEPTEMBER 30,		2026			2025			Dollar Change			Percentage Change
Interest income		$	31,051		$	29,797		$	1,254		4.2%
Interest expense		4,510			4,623			(113)			(2.4)%
Net interest income before provision for credit losses		26,541			25,174			1,367			5.4%
Provision for credit losses		150			5,373			(5,223)			(97.2)%
Net interest income after provision for credit losses		26,391			19,801			6,590			33.3%
Non-interest income		2,786			2,248			538			23.9%
Non-interest expense		15,145			15,134			11			0.1%
Income before income taxes		14,032			6,915			7,117			102.9%
Provision for income taxes		2,646			1,769			877			49.6%
Net income		$	11,386		$	5,146		$	6,240		121.3%
Basic earnings per share		$	1.64		$	0.74		$	0.90		121.6%
Diluted earnings per share		$	1.61		$	0.73		$	0.88		120.5%
PLUMAS BANCORP
CONDENSED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except per share data)
(Unaudited)
								Dollar			Percentage
FOR THE NINE MONTHS ENDED SEPTEMBER 30,		2026			2025			Dollar Change			Percentage Change
Interest income		$	90,777		$	71,020		$	19,757		27.8%
Interest expense		13,091			9,124			3,967			43.5%
Net interest income before provision for credit losses		77,686			61,896			15,790			25.5%
Provision for credit losses		420			6,483			(6,063)			(93.5)%
Net interest income after provision for credit losses		77,266			55,413			21,853			39.4%
Non-interest income		8,535			7,822			713			9.1%
Non-interest expense		44,936			37,612			7,324			19.5%
Income before income taxes		40,865			25,623			15,242			59.5%
Provision for income taxes		9,757			6,977			2,780			39.8%
Net income		$	31,108		$	18,646		$	12,462		66.8%
Basic earnings per share		$	4.46		$	2.98		$	1.48		49.7%
Diluted earnings per share		$	4.40		$	2.94		$	1.46		49.7%

PLUMAS BANCORP
SELECTED FINANCIAL INFORMATION
(Dollars in thousands, except per share data)
(Unaudited)
		Three Months Ended									Nine Months Ended
		9/30/2026			6/30/2026			9/30/2025			9/30/2026			9/30/2025
EARNINGS PER SHARE
Basic earnings per share		$	1.64		$	1.43		$	0.74		$	4.46		$	2.98
Diluted earnings per share		$	1.61		$	1.41		$	0.73		$	4.40		$	2.94
Weighted average shares outstanding			6,954			6,966			6,947			6,968			6,266
Weighted average diluted shares outstanding			7,068			7,058			7,031			7,072			6,353
Cash dividends paid per share 1		$	0.33		$	0.33		$	0.30		$	0.99		$	0.90
PERFORMANCE RATIOS (annualized for the three months)
Return on average assets			1.98%			1.79%			0.90%			1.85%			1.35%
Return on average equity			16.7%			15.0%			8.5%			15.5%			12.2%
Yield on earning assets			5.91%			5.99%			5.72%			5.93%			5.59%
Rate paid on interest-bearing liabilities			1.63%			1.62%			1.67%			1.63%			1.43%
Net interest margin			5.05%			5.13%			4.83%			5.07%			4.87%
Noninterest income to average assets			0.48%			0.49%			0.39%			0.51%			0.57%
Noninterest expense to average assets			2.63%			2.61%			2.65%			2.67%			2.73%
Efficiency ratio 2			51.6%			50.4%			55.2%			52.1%			53.9%
		9/30/2026			6/30/2026			9/30/2025			12/31/2025			12/31/2024
CREDIT QUALITY RATIOS AND DATA
Allowance for credit losses		$	19,742		$	19,740		$	19,564		$	19,959		$	13,196
Allowance for credit losses as a percentage of total loans			1.32%			1.30%			1.30%			1.32%			1.30%
Nonperforming loans		$	21,128		$	23,473		$	15,029		$	15,089		$	4,105
Nonperforming assets		$	21,275		$	23,633			15,169		$	15,321		$	4,307
Nonperforming loans as a percentage of total loans			1.41%			1.55%			1.00%			1.00%			0.40%
Nonperforming assets as a percentage of total assets			0.94%			1.04%			0.68%			0.68%			0.27%
Year-to-date net charge-offs		$	567		$	419		$	219		$	442		$	1,046
Year-to-date net charge-offs as a percentage of average loans (annualized)			0.05%			0.06%			0.03%			0.04%			0.11%
CAPITAL AND OTHER DATA
Common shares outstanding at end of period			6,944			6,964			6,952			6,959			5,903
Shareholders’ equity		$	262,451		$	272,133		$	245,950		$	261,076		$	177,899
Book value per common share		$	37.80		$	39.08		$	35.38		$	37.52		$	30.14
Tangible common equity 3		$	228,834		$	237,964		$	210,036		$	225,760		$	171,606
Tangible book value per common share 4		$	32.95		$	34.17		$	30.21		$	32.44		$	29.07
Tangible common equity to total assets			10.1%			10.4%			9.4%			10.1%			10.6%
Gross loans to deposits			80.1%			80.4%			82.4%			83.6%			74.1%
PLUMAS BANK REGULATORY CAPITAL RATIOS
Tier 1 Leverage Ratio			11.9%			11.8%			10.6%			11.1%			11.9%
Common Equity Tier 1 Ratio			16.4%			15.8%			14.3%			14.8%			17.3%
Tier 1 Risk-Based Capital Ratio			16.4%			15.8%			14.3%			14.8%			17.3%
Total Risk-Based Capital Ratio			17.6%			17.0%			15.5%			16.0%			18.5%
(1) The Company paid a quarterly cash dividend of $0.33 per share on February 18, 2026, May 15, 2026 and August 17, 2026 and a quarterly cash dividend of $0.30 per share on February 17, 2025, May 15, 2025, August 15, 2025 and November 17, 2025 and paid a quarterly cash dividend of $0.27 per share on February 15, 2024, May 15, 2024, August 15, 2024 and November 15, 2024.
(2) Efficiency ratio is defined as noninterest expense divided by total revenue (net interest income and total noninterest income).
(3) Tangible common equity is defined as common equity less core deposit intangibles and goodwill.
(4) Tangible common book value per share is defined as tangible common equity divided by common shares outstanding.

PLUMAS BANCORP
SELECTED FINANCIAL INFORMATION
(Dollars in thousands)
(Unaudited)
The following table presents for the three-month periods indicated the distribution of consolidated average assets, liabilities and shareholders’ equity.
		For the Three Months Ended								For the Three Months Ended
		9/30/2026								9/30/2025
		Average						Yield/		Average						Yield/
		Balance			Interest			Rate		Balance			Interest			Rate
Interest-earning assets:
Loans (2) (3)		$	1,502,337		$	24,830		6.56%		$	1,476,275		$	23,635		6.35%
Investment securities			401,630			4,557		4.50%			404,241			4,293		4.21%
Non-taxable investment securities (1)			74,206			660		3.53%			77,621			641		3.28%
Interest-bearing deposits			105,989			1,004		3.76%			108,325			1,228		4.50%
Total interest-earning assets			2,084,162			31,051		5.91%			2,066,462			29,797		5.72%
Cash and due from banks			34,504								34,689
Other assets			163,818								166,878
Total assets		$	2,282,484							$	2,268,029
Interest-bearing liabilities:
Money market deposits			471,422			2,130		1.79%			439,020			2,462		2.22%
Savings deposits			303,041			278		0.36%			311,258			290		0.37%
Time deposits			239,990			1,673		2.77%			239,549			1,132		1.87%
Total deposits			1,014,453			4,081		1.60%			989,827			3,884		1.56%
Repurchase Agreements			65,063			252		1.54%			74,556			317		1.69%
Borrowings			16,039			177		4.38%			32,168			422		5.20%
Total interest-bearing liabilities			1,095,555			4,510		1.63%			1,096,551			4,623		1.67%
Non-interest-bearing deposits			869,316								886,592
Other liabilities			46,529								43,524
Shareholders’ equity			271,084								241,362
Total liabilities & equity		$	2,282,484							$	2,268,029
Cost of funding interest-earning assets (4)								0.86%								0.89%
Net interest income and margin (5)					$	26,541		5.05%					$	25,174		4.83%
(1) Not computed on a tax-equivalent basis.
(2) Average nonaccrual loan balances of $21.1 million for 2026 and $13.8 million for 2025 are included in average loan balances for computational purposes.
(3) Net costs included in loan interest income for the three-month periods ended September 30, 2026 and 2025 were $244 thousand and $305 thousand, respectively.
(4) Total annualized interest expense divided by the average balance of total earning assets.
(5) Annualized net interest income divided by the average balance of total earning assets.

PLUMAS BANCORP
SELECTED FINANCIAL INFORMATION
(Dollars in thousands)
(Unaudited)
The following table presents for the nine-month periods indicated the distribution of consolidated average assets, liabilities and shareholders’ equity.
		For the Nine Months Ended								For the Nine Months Ended
		9/30/2026								9/30/2025
		Average						Yield/		Average						Yield/
		Balance			Interest			Rate		Balance			Interest			Rate
Interest-earning assets:
Loans (2) (3)		$	1,504,521		$	73,563		6.54%		$	1,171,116		$	54,643		6.24%
Investment securities			396,835			13,229		4.46%			381,124			12,133		4.26%
Non-taxable investment securities (1)			75,433			1,975		3.50%			75,084			1,815		3.23%
Interest-bearing deposits			71,410			2,010		3.76%			72,208			2,429		4.50%
Total interest-earning assets			2,048,199			90,777		5.93%			1,699,532			71,020		5.59%
Cash and due from banks			33,946								29,379
Other assets			164,131								114,242
Total assets		$	2,246,276							$	1,843,153
Interest-bearing liabilities:
Money market deposits			454,053			6,131		1.81%			335,889			4,891		1.95%
Savings deposits			307,930			844		0.37%			311,187			752		0.32%
Time deposits			224,026			4,598		2.74%			149,218			2,421		2.17%
Total deposits			986,009			11,573		1.57%			796,294			8,064		1.35%
Repurchase Agreements			79,572			968		1.63%			37,863			347		1.23%
Borrowings			16,399			550		4.48%			20,789			713		4.59%
Total interest-bearing liabilities			1,081,980			13,091		1.62%			854,946			9,124		1.43%
Non-interest-bearing deposits			850,062								743,628
Other liabilities			46,110								39,596
Shareholders’ equity			268,124								204,983
Total liabilities & equity		$	2,246,276							$	1,843,153
Cost of funding interest-earning assets (4)								0.85%								0.72%
Net interest income and margin (5)					$	77,686		5.07%					$	61,896		4.87%
(1) Not computed on a tax-equivalent basis.
(2) Average nonaccrual loan balances of $16.7 million for 2026 and $7.3 million for 2025 are included in average loan balances for computational purposes.
(3) Net costs included in loan interest income for the nine-month periods ended September 30, 2026 and 2025 were $762 thousand and $776 thousand, respectively.
(4) Total annualized interest expense divided by the average balance of total earning assets.
(5) Annualized net interest income divided by the average balance of total earning assets.

PLUMAS BANCORP
SELECTED FINANCIAL INFORMATION
(Dollars in thousands)
(Unaudited)
The following table presents the components of non-interest income for the three-month periods ended September 30, 2026 and 2025.
		For the Three Months Ended
		September 30,
		2026			2025			Dollar Change			Percentage Change
Interchange income		$	927		$	912			15		1.6%
Service charges on deposit accounts			802			816			(14)		(1.7)%
Earnings on life insurance policies			276			261			15		5.7%
FHLB Dividends			209			191			18		9.4%
Loan servicing fees			176			156			20		12.8%
Loss on sale of investment securities			–			(628)			628		100.0%
Other			396			540			(144)		(26.7)%
Total non-interest income		$	2,786		$	2,248		$	538		23.9%
The following table presents the components of non-interest expense for the three-month periods ended September 30, 2026 and 2025.
		For the Three Months Ended
		September 30,
		2026			2025			Dollar Change			Percentage Change
Salaries and employee benefits		$	7,640		$	7,418		$	222		3.0%
Occupancy and equipment			2,743			2,471			272		11.0%
Outside service fees			1,512			1,584			(72)		(4.5)%
Professional fees			653			312			341		109.3%
Amortization of Core Deposit Intangible			552			615			(63)		(10.2)%
Advertising and shareholder relations			349			282			67		23.8%
Armored car and courier			287			284			3		1.1%
Loan collection expenses			287			109			178		163.3%
Business development			254			242			12		5.0%
Deposit insurance			256			288			(32)		(11.1)%
Director compensation and expense			200			195			5		2.6%
Telephone and data communication			144			154			(10)		(6.5)%
Merger and acquisition expenses			–			879			(879)		(100.0)%
Other			268			301			(33)		(11.0)%
Total non-interest expense		$	15,145		$	15,134		$	11		0.1%

PLUMAS BANCORP
SELECTED FINANCIAL INFORMATION
(Dollars in thousands)
(Unaudited)
The following table presents the components of non-interest income for the nine-month periods ended September 30, 2026 and 2025.
		For the Nine Months Ended
		September 30,
		2026			2025			Dollar Change			Percentage Change
Interchange income		$	2,639		$	2,386		$	253		10.6%
Service charges on deposit accounts			2,400			2,303			97		4.2%
Earnings on life insurance policies			820			478			342		71.5%
FHLB Dividends			759			463			296		63.9%
Loan servicing fees			508			490			18		3.7%
Loss on sale of investment securities			–			(625)			625		100.0%
Other			1,409			2,327			(918)		(39.4)%
Total non-interest income		$	8,535		$	7,822		$	713		9.1%
The following table presents the components of non-interest expense for the nine-month periods ended September 30, 2026 and 2025.
		For the Nine Months Ended
		September 30,
		2026			2025			Dollar Change			Percentage Change
Salaries and employee benefits		$	22,890		$	18,851		$	4,039		21.4%
Occupancy and equipment			8,065			6,535			1,530		23.4%
Outside service fees			4,468			4,008			460		11.5%
Amortization of Core Deposit Intangible			1,699			702			997		142.0%
Professional fees			1,404			760			644		84.7%
Advertising and shareholder relations			1,014			818			196		24.0%
Armored car and courier			833			725			108		14.9%
Deposit insurance			752			650			102		15.7%
Business development			709			597			112		18.8%
Loan collection expenses			642			231			411		177.9%
Director compensation and expense			584			516			68		13.2%
Telephone and data communication			435			452			(17)		(3.8)%
Merger and acquisition expenses			–			1,929			(1,929)		(100.0)%
Other			1,441			838			603		72.0%
Total non-interest expense		$	44,936		$	37,612		$	7,324		19.5%

PLUMAS BANCORP
SELECTED FINANCIAL INFORMATION
(Dollars in thousands)
(Unaudited)
The following table shows the distribution of loans by type at September 30, 2026 and 2025.
					Percent of					Percent of
					Loans in Each					Loans in Each
		Balance at End			Category to		Balance at End			Category to
		of Period			Total Loans		of Period			Total Loans
		9/30/26			9/30/26		9/30/2025			9/30/2025
Commercial		$	159,905		10.7%		$	161,667		10.8%
Agricultural			139,336		9.3%			154,107		10.3%
Real estate – residential			31,238		2.1%			33,657		2.2%
Real estate – commercial			1,015,901		67.9%			980,694		65.5%
Real estate – construction & land			54,411		3.6%			49,199		3.3%
Equity Lines of Credit			54,389		3.6%			53,283		3.6%
Auto			25,425		1.7%			45,142		3.0%
Other			14,940		1.1%			18,745		1.3%
Total Gross Loans		$	1,495,545		100%		$	1,496,494		100%
The following table shows the distribution of Commercial Real Estate loans at September 30, 2026 and 2025.
					Percent of					Percent of
					Loans in Each					Loans in Each
		Balance at End			Category to		Balance at End			Category to
		of Period			Total Loans		of Period			Total Loans
		9/30/26			9/30/26		9/30/25			9/30/25
Owner occupied		$	444,037		43.7%		$	421,456		43.0%
Investor			571,864		56.3%			559,238		57.0%
Total real estate – commercial		$	1,015,901		100%		$	980,694		100%
The following table shows the distribution of deposits by type at September, 2026 and 2025.
					Percent of					Percent of
					Deposits in Each					Deposits in Each
		Balance at End			Category to		Balance at End			Category to
		of Period			Total Deposits		of Period			Total Deposits
		9/30/26			9/30/26		9/30/2025			9/30/2025
Non-interest bearing		$	859,713		46.1%		$	862,085		47.4%
Money Market			471,653		25.3%			433,832		23.8%
Savings			298,402		16.0%			309,030		17.0%
Time			236,875		12.6%			214,589		11.8%
Total Deposits		$	1,866,643		100%		$	1,819,536		100%