Tallahassee, FL · Cert 58694 · Prime Meridian Holding Co.
State charter, non-member · FDIC · 4 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
52
Asset Quality
30
Profitability
36
Liquidity
77
Efficiency
35
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.
Tallahassee, FL · Cert 58694 · Prime Meridian Holding Co.
State charter, non-member · FDIC · 4 branches
Q4 2025
Market Position · Tallahassee, FL · 2025 SOD (annual) · 9.6% share · #4 of 19 inst. · $0.9B of $8.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.91% | 1.00% | 1.00% | 0.96% | 0.84% | 0.95% | 0.63% | -38 bps | |
| Return on Equity | 10.28% | 9.77% | 10.77% | 10.70% | 10.26% | 9.03% | 10.08% | 6.60% | -411 bps | |
| Net Interest Margin | 3.32% | 3.29% | 3.26% | 3.22% | 3.33% | 3.29% | 3.38% | 3.38% | +15 bps | |
| Efficiency Ratio | 62.21% | 62.83% | 60.76% | 60.61% | 61.46% | 62.02% | 59.97% | 73.96% | +1,335 bps | |
| Non-Interest Burden | 1.96% | 1.97% | 1.87% | 1.84% | 1.94% | 1.93% | 1.91% | 2.42% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.69% | 8.81% | 11.98% | 8.11% | 12.99% | 11.17% | 5.62% | 3.53% | -458 bps | |
| Loan Growth (YoY) | 9.24% | 11.09% | 9.52% | 7.80% | 5.06% | 4.70% | 3.41% | 1.58% | -622 bps | |
| Deposit Growth (YoY) | 4.77% | 12.30% | 13.96% | 9.26% | 15.84% | 12.89% | 6.69% | 3.89% | -537 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.44% | 0.35% | 0.42% | 0.71% | 0.66% | 0.76% | 0.84% | +41 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.24% | 0.16% | 0.13% | 0.00% | 0.32% | 0.23% | 0.18% | +5 bps | |
| Allowance / Loans | 0.86% | 0.76% | 0.77% | 0.80% | 0.84% | 0.79% | 0.81% | 0.80% | +1 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 2.2x | 1.9x | 1.2x | 1.2x | 1.1x | 1.0x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.35% | 10.32% | 10.21% | 10.28% | 10.09% | 9.93% | 10.30% | 10.20% | -8 bps | |
| Total Risk-Based Capital | 14.02% | 14.09% | 14.33% | 14.88% | 14.63% | 14.52% | 15.31% | 15.34% | +46 bps | |
| Equity / Assets | 9.35% | 9.27% | 9.43% | 9.60% | 9.16% | 9.22% | 9.68% | 9.93% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.77% | 87.83% | 84.75% | 86.18% | 81.41% | 81.45% | 82.15% | 84.26% | -192 bps | |
| Liquid Assets / Assets | 1.99% | 2.60% | 6.50% | 7.38% | 7.08% | 9.84% | 10.17% | 5.73% | -165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 334% | 335% | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.56% | 0.97% | 1.38% | Beats 27% | 393 / 541 | ||
| Return on Equity | 6.39% | 5.68% | 9.28% | 12.43% | Beats 30% | 380 / 541 | ||
| Net Interest Margin | 3.38% | 2.87% | 3.39% | 3.85% | Beats 50% | 273 / 541 | ||
| Efficiency Ratio | 73.96% | 58.91% | 68.65% | 80.35% | Beats 35% | 351 / 540 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.07% | 0.34% | 1.07% | Beats 30% | 348 / 495 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.46% | 10.99% | 13.81% | 17.99% | Beats 56% | 237 / 541 | ||
| Total Risk-Based Capital Ratio | 15.34% | 11.43% | 14.30% | 18.80% | Beats 57% | 235 / 541 | ||
| Equity / Assets | 9.93% | 8.87% | 10.43% | 13.26% | Beats 44% | 305 / 541 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.26% | 65.07% | 79.29% | 92.66% | 60th pctl | 200 / 495 | ||
| Loans / Assets | 75.22% | 55.91% | 67.98% | 77.76% | 66th pctl | 166 / 495 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.32% | Beats 100% | 289 / 506 | ||