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Prime Meridian Bank

Tallahassee, FL · Cert 58694 · Prime Meridian Holding Co.

State charter, non-member · FDIC · 4 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=495 to 541). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q4 2025peer median (50)

Asset Quality

30

Q2 2024Q4 2025peer median (50)

Profitability

36

Q2 2024Q4 2025peer median (50)

Liquidity

77

Q2 2024Q4 2025peer median

Efficiency

35

Q2 2024Q4 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Prime Meridian Bank

Tallahassee, FL · Cert 58694 · Prime Meridian Holding Co.

State charter, non-member · FDIC · 4 branches

Q4 2025

$956.4MAssets
$719.4MLoans
$853.8MDeposits
$95.0MEquity
Loan mix
91%RE $635.5M8%C&I $59.6M1%Consumer $7.1MQ4 2024Q4 2025
Deposit mix
76%Interest-bearing $647.2M24%Noninterest $206.7MQ4 2024Q4 2025

NIM

4.68%Q4 ’235.15%Q4 ’245.38%Q4 ’25-6%+5%

Non-interest income vs. expense

2.12%Q4 ’232.12%Q4 ’242.71%Q4 ’250%+32%

Market Position · Tallahassee, FL · 2025 SOD (annual) · 9.6% share · #4 of 19 inst. · $0.9B of $8.8B

9.0% Leon
33.8% Wakulla
0.3% Polk

Executive Summary

  • Earnings: ROA of 0.63%, down 38 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.84% of loans (+41 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 10.20%, down 8 bps from a year ago.
  • Funding: loans stand at 84.26% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.63%-38 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+15 bps YoY

Efficiency Ratio (YTD, annualized)

73.96%+1,335 bps YoY

Tier 1 Leverage Ratio

10.20%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.00%0.96%0.84%0.95%0.63%-38 bps
Return on Equity10.70%10.26%9.03%10.08%6.60%-411 bps
Net Interest Margin3.22%3.33%3.29%3.38%3.38%+15 bps
Efficiency Ratio60.61%61.46%62.02%59.97%73.96%+1,335 bps
Non-Interest Burden1.84%1.94%1.93%1.91%2.42%+58 bps
Growth
Asset Growth (YoY)8.11%12.99%11.17%5.62%3.53%-458 bps
Loan Growth (YoY)7.80%5.06%4.70%3.41%1.58%-622 bps
Deposit Growth (YoY)9.26%15.84%12.89%6.69%3.89%-537 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.71%0.66%0.76%0.84%+41 bps
Net Charge-Offs / Loans0.13%0.00%0.32%0.23%0.18%+5 bps
Allowance / Loans0.80%0.84%0.79%0.81%0.80%+1 bps
Allowance Coverage of NPLs1.9x1.2x1.2x1.1x1.0x-0.9x
Capital
Tier 1 Leverage Ratio10.28%10.09%9.93%10.30%10.20%-8 bps
Total Risk-Based Capital14.88%14.63%14.52%15.31%15.34%+46 bps
Equity / Assets9.60%9.16%9.22%9.68%9.93%+33 bps
Liquidity & Funding
Loans / Deposits86.18%81.41%81.45%82.15%84.26%-192 bps
Liquid Assets / Assets7.38%7.08%9.84%10.17%5.73%-165 bps
CRE / Total Capitaln/an/an/a334%335%n/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Prime Meridian Bank

Tallahassee, FL · Cert 58694 · Peer group: banks under $1B in assets (n=495-541) · Prime Meridian Holding Co.

State charter, non-member · FDIC · 4 branches

Q4 2025

$956.4MAssets
$719.4MLoans
$853.8MDeposits
$95.0MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
  • Widest gap: return on assets trails 73% of banks under $1B in assets (rank 393 of 541).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.63%

Rank 393 of 541

Net Interest Margin

3.38%

Rank 273 of 541

Efficiency Ratio

73.96%

Rank 351 of 540

Equity / Assets

9.93%

Rank 305 of 541

Non-interest income vs. expense

$2.8M$26.5MINCOMEEXPENSE
Unfavorable gap of $23.7M · efficiency ratio beats 35% of banks under $1B in assets
Bank 73.96%Peer median 68.7%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.56%0.97%1.38%Beats 27%393 / 541
Return on Equity6.39%5.68%9.28%12.43%Beats 30%380 / 541
Net Interest Margin3.38%2.87%3.39%3.85%Beats 50%273 / 541
Efficiency Ratio73.96%58.91%68.65%80.35%Beats 35%351 / 540
Asset Quality
Nonperforming Loans / Loans0.84%0.07%0.34%1.07%Beats 30%348 / 495
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.46%10.99%13.81%17.99%Beats 56%237 / 541
Total Risk-Based Capital Ratio15.34%11.43%14.30%18.80%Beats 57%235 / 541
Equity / Assets9.93%8.87%10.43%13.26%Beats 44%305 / 541
Liquidity & Funding
Loans / Deposits84.26%65.07%79.29%92.66%60th pctl200 / 495
Loans / Assets75.22%55.91%67.98%77.76%66th pctl166 / 495
Brokered Deposits / Deposits0.00%n/an/a3.32%Beats 100%289 / 506