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 | |