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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.86% | 1.19% | 0.99% | 0.96% | 0.72% | 1.15% | -0.34% | -133 bps | |
| Return on Equity | 10.28% | 9.28% | 12.76% | 10.41% | 10.26% | 7.85% | 12.14% | -3.47% | -1,388 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.46% | 3.32% | 3.33% | 3.37% | 3.50% | 3.40% | +9 bps | |
| Efficiency Ratio | 62.21% | 63.43% | 56.98% | 60.16% | 61.46% | 62.54% | 56.06% | 115.47% | +5,531 bps | |
| Non-Interest Burden | 1.96% | 2.02% | 1.84% | 1.87% | 1.94% | 1.99% | 1.84% | 3.97% | +211 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% | 0.46% | 0.01% | 0.05% | 0.00% | 0.64% | 0.04% | 0.03% | -2 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 | |