Prime Meridian Bank is a small community bank headquartered in Tallahassee, Florida, serving individuals and businesses primarily in the Tallahassee metro area, with additional branches in Crawfordville and Lakeland. The bank's core product is lending, with a portfolio concentrated in real estate — residential real estate makes up about 39% of loans and commercial real estate another 34%. The remainder consists of construction loans, commercial loans (including SBA loans and equipment financing), and a small consumer book. The bank funds its lending primarily through local customer deposits, with no reliance on brokered or wholesale funding. Prime Meridian earns revenue the way most community banks do: taking in deposits and lending that money out at a higher rate, capturing the net interest margin. Fee income is a secondary revenue source, including fees from deposit accounts and SBA loan originations. The bank targets small and mid-sized businesses (generally with sales under $25M), real estate developers, professionals, and consumers in its local markets. Prime Meridian positions itself as a relationship-focused community bank, emphasizing personal service, local decision-making, and experienced bankers as its primary differentiators from larger regional and national competitors.