BlastPoint's Banking Scorecard
Prime Meridian Bank
Community
Specialty: Commercial
FL
FDIC cert 58694
Tallahassee, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Prime Meridian Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 23% in Community
- - Cost Spiral: Bottom 97% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$956.4M
+3.5% YoY
-2.8% QoQ
|
-$435.0M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$713.7M
+1.6% YoY
-0.6% QoQ
|
-$261.8M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$853.8M
+3.9% YoY
-3.1% QoQ
|
-$310.8M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
0.63%
-37.4% YoY
-33.8% QoQ
|
-0.54% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.58%
+0.5% YoY
+0.6% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
73.96%
+22.0% YoY
+23.3% QoQ
|
+11.33% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.84%
+97.6% YoY
+9.6% QoQ
|
+0.21% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
83.58%
-2.2% YoY
+2.6% QoQ
|
+0.52% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
24.21%
+8.1% YoY
-4.1% QoQ
|
+3.16% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.67%
+105.1% YoY
+12.1% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
14.46%
+3.1% YoY
+0.2% QoQ
|
+4.22% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.29%
+1.8% YoY
+37.8% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#151 of 642 · Bottom 23% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Cost Spiral
risk
#39 of 40 · Bottom 97% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
73.96%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
72
72th pctile
Tier 1 Capital Ratio
Current: 14.46% · Tier avg: 10.24%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.21% · Tier avg: 21.05%
51
51th pctile
Total Deposits
Current: $853.8M · Tier avg: $1.2B
51
51th pctile
Total Loans
Current: $713.7M · Tier avg: $975.5M
47
47th pctile
Total Assets
Current: $956.4M · Tier avg: $1.4B
46
46th pctile
Loan-to-Deposit Ratio
Current: 83.58% · Tier avg: 83.06%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
31
31th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.63%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
19
19th pctile
Efficiency Ratio
Current: 73.96% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
Top Weaknesses
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 73.96% · Tier avg: 62.63%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.63%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
46
46th pctile
Loan-to-Deposit Ratio
Current: 83.58% · Tier avg: 83.06%
47
47th pctile
Total Assets
Current: $956.4M · Tier avg: $1.4B
51
51th pctile
Total Loans
Current: $713.7M · Tier avg: $975.5M
51
51th pctile
Total Deposits
Current: $853.8M · Tier avg: $1.2B
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.21% · Tier avg: 21.05%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.46% · Tier avg: 10.24%