| Metric | Prime Meridian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.9% | -1.4 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +1.6% | +5.3% | -3.8 pts |
| ROA | 0.63% | 1.28% | -0.7 pts |
| ROE | 6.6% | 12.4% | -5.8 pts |
ROA ranks in the 14th percentile of its peer group · Q4 2025
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q4 2025 | $956.4M | $853.8M | $713.7M | $95.0M | $6.1M | 0.63% | 3.58% | 0.67% |
| Q3 2025 | $983.8M | $881.1M | $717.9M | $95.3M | $6.9M | 0.95% | 3.56% | 0.59% |
| Q2 2025 | $993.0M | $894.0M | $722.4M | $91.6M | $4.1M | 0.84% | 3.52% | 0.49% |
| Q1 2025 | $974.7M | $872.6M | $704.5M | $89.3M | $2.3M | 0.96% | 3.49% | 0.52% |
| Q4 2024 | $923.8M | $821.9M | $702.6M | $88.7M | $9.0M | 1.00% | 3.56% | 0.32% |
| Q3 2024 | $931.5M | $825.8M | $694.5M | $87.9M | $6.7M | 1.00% | 3.56% | 0.26% |
Loan mix (Q4 2025): real estate $635.5M · commercial $59.6M · consumer $7.1M · securities $93.6M
Nothing unusual in Q4 2025 — steady quarter.
| Ratio | Prime Meridian Bank | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 12.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.89% | 33th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 61.2% | 82th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Prime Meridian Bank | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Prime Meridian Bank | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Prime Meridian Bank | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Prime Meridian Bank | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.