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
Unfavorable gap of $23.7M · efficiency ratio beats 35% of banks under $1B in assets | 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 | | |