 Investor Presentation 2018Q1 Exhibit 99.2 |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 2 Forward Looking Statements This Presentation, including information incorporated herein by reference, may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Words such as “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “plan,” “project,” “is confident that,” and similar expressions are intended to identify these forward-looking statements. These forward-looking statements involve risk and uncertainty and a variety of factors could cause our actual results and experience to differ materially from the anticipated results or other expectations expressed in these forward-looking statements. We do not have a policy of updating or revising forward looking statements except as otherwise required by law, and silence by management over time should not be construed to mean that actual events are occurring as estimated in such forward-looking statements. Our ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors that could have a material adverse effect on our operations and the operations of our subsidiary, Prime Meridian Bank, include, but are not limited to, changes in: • risk factors named in the Prospectus • general economic conditions • legislative/regulatory changes • monetary and fiscal policies of the U.S. Government • the quality and composition of our loan or investment portfolios • competition • demand for loan and deposit products • demand for financial services in our primary trade area • litigation, tax, and other regulatory matters • accounting principles and guidelines • other economic, competitive, governmental, regulatory, or technological factors affecting us The factors listed above should not be construed as exhaustive. A number of important factors could cause actual results to differ materially from those indicated by the forward-looking statements. Information on these factors can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2017, and other reports and statements Prime Meridian Holding Company has filed with the Securities and Exchange Commission which are available at its website (www.sec.gov). We do not have a policy of updating or revising forward-looking statements except as otherwise required by law, and silence by management over time should not be construed to mean that actual events are occurring as estimated in such forward-looking statements. |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 3 Contents 4 Company Profile 5 Management Team 6 Personnel Profile 7 MSA Profile 8 Summary Results 10 Asset Quality 11 Increasing Franchise Value Total Assets | Gross Loans | Total Deposits | Cost of Funds 12 Building Shareholder Value Total Equity | Net Income | Tangible Book Value Per Share | Earnings Per Share 13 Loan Portfolio 14 Residential Loan Portfolio 15 Portfolio Risk Management | CRE Commitments 16 Funding Overview 17 Deposit Market Share 18 Investment Considerations 22 Company Culture 25 Appendix Financial Highlights | Consolidated Statements of Earnings | Balance Sheets Updated as of 3/31/2018 |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 4 Company Profile Headquarters Tallahassee, FL* Year Established 2008 Total Assets $358.3 Million Shareholders’ Equity $46.9 Million Market Capitalization $62.5 Million Institutional Ownership 28.7% Shares Outstanding 3,122,769 Trading Exchange OTCQX: PMHG Bank Website www.PrimeMeridianBank.com Investor Website Investors.PrimeMeridianBank.com Data as of 3/31/2018 Crawfordville Gulf of Mexico Alabama Georgia Florida *State Capital of Florida OFFICES BY COUNTY Leon (2) Wakulla (1) |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 5 Management Team Sammie D. Dixon, Jr. Vice Chairman, President and Chief Executive Officer Age: 48 | 21 years banking experience R. Randy Guemple Executive Vice President and Chief Financial Officer Age: 66 | 40 years banking and CPA experience Chris L. Jensen, Jr. Executive Vice President and Chief Lending Officer Age: 61 | 39 years banking experience Susan Payne Turner Executive Vice President and Chief Risk Officer Age: 51 | 36 years banking experience Experienced management team with proven track record of franchise growth and development Community leaders who know their clients History of profitable bank operations |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 6 Personnel Profile Employees, Management and Director Ownership (%) 21.5 Prime Meridian Bank Employees Who Own PMHG (%) 53.1 Average Age Entire Team* 40.3 EVP 56.5 SVP 49.2 VP 47.2 All Officers 46.0 *71.5 Full-Time Equivalents (FTEs) Updated as of 3/31/2018 |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 7 Tallahassee Metropolitan Statistical Area (MSA) MSA Profile Leon, Gadsden, Wakulla and Jefferson counties Includes Florida’s Capital Education hub with highly- educated population: • Florida State University (FSU) • Florida A&M University (FAMU) • Tallahassee Community College (TCC) 2 Major Hospitals National High Magnetic Field Lab (FSU) |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 8 Summary Results | 2018Q1 The Company paid its third annual cash dividend of $0.10 per share, increasing it for the second consecutive year. Net loans increased $46.9 million, or 20.8%, over the first quarter of 2017 and $22.4 million, or 8.9%, since December 31, 2017. Net income for the first quarter of 2018 increased 40.7% year over year to $754,000, boosted by 21.5% growth in net interest income, 22.2% growth in noninterest income and a lower corporate income tax rate in 2018. |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 9 Summary Results | 2018Q1 For the quarter ended March 31, 2018, the annualized Return on Average Assets was 0.86%, the annualized Return on Average Equity was 6.45%, and the net interest margin was 3.83%. The Company celebrated its 10th anniversary in February 2018, reporting total assets of $358.3 million at March 31, 2018. |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 10 Asset Quality Prime Meridian Bank has maintained exceptionally strong asset quality. NPAs/Total Assets (%) NPA = Nonperforming Assets Source: S&P Global and internal company documents. PMB peer analysis vs. select, comparable Southeastern banks with $250 to $500 million in assets. All financial data as of December 31 of the respective year unless otherwise noted. *Southeast Peers Comparison reflects corresponding bank level data for Aquesta Bank, Athens Federal Community Bank, NA, Bank of Botetourt, Bank of Charles Town, Bank of Oak Ridge, Bank of South Carolina, Capon Valley Bank, Carolina Trust Bank, Citizens Bank & Trust, Citizens Bank and Trust Company, Citizens Trust Bank, First IC Bank, First National Bank, First Reliance Bank, Grant County Bank, Heritage Bank (Jonesboro, GA), Jefferson Security Bank, KS Bank, Inc., Lifestore Bank (MHC), Mechanics and Farmers Bank, MidSouth Bank, Paragon Bank, Planters First Bank, Southeastern Bank, Southwest Georgia Bank, and Surrey Bank & Trust. 0.00 0.10 0.20 0.30 0.40 0.50 0.60 0.70 0.80 2010 2011 2012 2013 2014 2015 2016 2017 2018Q1 2018Q1 Southeast Peer Average 0.00 0.00 0.06 0.00 0.08 0.06 0.27 0.04 0.10 0.75 PMB Southeast Peers* |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 11 Cost of Funds (%) CAGR = compound annual growth rate. Unless otherwise indicated, all financial data as of December 31 of the respective year. Source: S&P Global and Internal company documents Increasing Franchise Value Total Assets ($ in millions) Gross Loans ($ in millions) Total Deposits ($ in millions) 86 116 147 183 184 218 275 298 309 $0 $50 $100 $150 $200 $250 $300 $350 2010 2011 2012 2013 2014 2015 2016 2017 2018Q1 1.24 0.96 0.62 0.42 0.35 0.35 0.33 0.41 0.53 0.0 0.5 1.0 1.5 2010 2011 2012 2013 2014 2015 2016 2017 2018Q1 65 78 95 123 156 192 225 253 276 $0 $50 $100 $150 $200 $250 $300 2010 2011 2012 2013 2014 2015 2016 2017 2018Q1 103 139 170 206 210 244 304 347 358 $0 $50 $100 $150 $200 $250 $300 $350 $400 2010 2011 2012 2013 2014 2015 2016 2017 2018Q1 |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 12 Tangible Book Value Per Share ($) Earnings Per Share ($) CAGR = compound annual growth rate. Notes: Prime Meridian raised $12.8 million in 2008; just over $2.0 million in December, 2010 through warrants; $5.4 million in our stock offering concluded December 31, 2014, and $18 million in our stock offering concluded May 15, 2017. Unless otherwise indicated, all financial data as of December 31 of the respective year. Source: S&P Global and Internal company documents Building Shareholder Value Total Equity ($ in millions) Net Income ($ in thousands) 201 616 1,018 1,149 1,006 1,704 2,220 2,817 536 754 $0.0 $0.5 $1.0 $1.5 $2.0 $2.5 $3.0 2010 2011 2012 2013 2014 2015 2016 2017 2017Q1 2018Q1 13.7 15.1 16.0 16.4 22.9 24.9 47.0 46.9 $10.0 $15.0 $20.0 $25.0 $30.0 $35.0 $40.0 $45.0 $50.0 2010 2011 2012 2013 2014 2015 2016 2017 2018Q1 9.18 10.09 10.72 10.92 11.78 12.62 13.51 15.06 15.03 $7.0 $8.5 $10.0 $11.5 $13.0 $14.5 2010 2011 2012 2013 2014 2015 2016 2017 2018Q1 27.1 0.12 0.41 0.68 0.77 0.59 0.88 1.12 1.04 0.27 0.24 $0.00 $0.25 $0.50 $0.75 $1.00 2010 2011 2012 2013 2014 2015 2016 2017 2017Q1 2018Q1 |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 13 Loan Portfolio Total net loans of $273 million Prime Meridian’s strong relationship with the local business community is reflected in its concentration of Commercial Loans at 17% of total loans. Loans ($ in thousands) Source: internal company documents Loan Composition as of 3/31/18 Quarterly Loan Portfolio Change ($ in thousands) 2017Q4 Residential/ HELOC CRE Construction Commercial Consumer Deferred Costs Less ALLL 2018Q1 $300,000 $250,000 $150,000 Commercial Real Estate 32% Residential Estate and HELOC 38% Construction 11% Commercial 17% Consumer and Other 2% Real estate mortgage loans Commercial Real Estate 87,388 $ Residential Real Estate and HELOC 104,835 Construction 30,210 Total Real Estate Mortgage 222,433 Commercial 46,022 Consumer and Other 7,156 Total Loans 275,611 Deferred Loan Costs, Net 385 Less: A LLL (3,385) Loans, Net 272,611 $ |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 14 Residential Loan Portfolio Residential Loans ($ in thousands) Residential Loan Composition as of 3/31/18 Source: internal company documents Residential Real Estate and HELOC 1-4 Owner-Occupied & HELOC 59,409 $ 1-4 Non-Owner-Occupied 27,209 Multifamily 18,217 Total 104,835 $ Multifamily 17% 1-4 Non-Owner- Occupied 26% 1-4 Owner- Occupied & HELOC 57% |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 15 CRE Commitments Nonperforming Loans to Total Loans Ratio of 0.13% Nonperforming “CRE” loan balances total $0 as of 3/31/18 NCO* / Average Loans: 0.00% charge-offs in 2018 Portfolio Risk Management Total Risk Based Capital $ 37,423 Total Loan Portfolio $ 275,611 Commercial Real Estate (CRE) Loans Funded Committed Construction, Land Development, and Other $ 33,287 $ 43,409 116.14 % 12.06 % Multifamily 18,217 19,028 50.91 % 6.60 % Nonfarm Nonresidential 81,496 84,543 226.18 % 29.53 % Less: Improved Owner-Occupied CRE (38,352) (40,324) (107.88) % (13.90) % Total $ 94,648 $ 106,656 285.35 % 34.29 % of Portfolio Funded % % of Capital Committed as As of 3/31/18 ($ in thousands) *Net Charge-Offs: Charge-offs less recoveries |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 16 Prime Meridian’s deposit franchise is comprised of 24% noninterest-bearing deposits. Prime Meridian continues to outperform regional peers with low cost of funds, 0.53%, a key driver of franchise value. Deposits ($ in thousands) Funding Overview Source: internal company documents Deposit Composition as of 3/31/18 Savings 3% NOW 15% Money Market Accounts 51% Time Deposits 7% Noninterest Bearing 24% Deposit Types Noninterest-Bearing 73,736 $ Money Market Accounts 158,359 NOW 45,825 Savings 7,969 Time Deposits 23,393 Total 309,282 $ |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 17 Deposit Market Share Source: S&P Global. Analysis current as of 6/30/17. Note: Market share analysis excludes non-retail deposits. Source: PMB deposit update per company documents. Prime Meridian Bank Deposits – Leon County (3/31/18) $261.5 million. Prime Meridian Bank Deposits – Wakulla County (3/31/18) $47.8 million. Prime Meridian Bank’s year-over-year deposit growth in Leon county was 22.38% with a five-year compounded growth rate of 17.17% The Bank’s Crawfordville office (Wakulla county) has grown to nearly $50MM since opening in 2015 |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 18 Strong Growth Potential Through 2023, Tallahassee MSA is projected to experience significant population and household income growth 1 of 4.40% and 6.62%, respectively Attractive growth opportunities in North Florida, South Alabama and South Georgia markets Build-out of existing market franchise Investment Considerations 1 Source: Nielsen. Demographic data is provided by Nielsen based primarily on US Census data. For non-census year data, Nielsen uses samples and projections to estimate the demographic data. S&P Global Market Intelligence performs calculations on the underlying data provided by Nielsen for some of the data presented. Strong infrastructure can support a much larger institution Scalable employee base helps facilitate increased market share |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 19 Economic Hub of Northern Florida Seven robust industry factors Education Aviation, aerospace, defense and national security Health sciences, medical education, training and research, and sports medicine Information technology Research and engineering Renewable energy and environment Transportation and logistics Strong local lending relationships and local decision-making allow PMB to build market share. Experienced team of 74 employees* continue to ensure a high level of client service and a “deep bench” for future growth. *As of 3/31/2018 Investment Considerations |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 20 High-performing Company with Strong Balance Sheet and Excellent Asset Quality ROAA* and ROAE** of 0.86% and 6.45% respectively Strong Bank Level Capital Ratios Tier 1 Leverage 9.69% Tier 1 Risk-Based Capital Ratio 12.38% Total Risk-Based Capital Ratio 13.61% *ROAA = Return on Average Assets **ROAE = Return on Average Equity Investment Considerations All data as of 3/31/18 |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 21 Strong Core Funding CDs represent approximately 7.6% of deposit base Cost of Funds: 0.53% Excellent Asset Quality NPAs 1 / Total Assets 0.10% Allowance for Loan Losses / Total Loans 1.23% NCOs 2 / Average Loans 0.00% All data as of 3/31/18 1 Nonperforming Assets 2 Net Charge-Offs: Charge-offs less recoveries Investment Considerations |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 22 Who We Are. What We Stand For. MISSION Building bankers to serve our clients and community in order to optimize shareholder value. PURPOSE Banking done right, right away. CORE PRINCIPLES • Passion – level of intense excellence and commitment beyond simply meeting requirements • Grace – high level of service with courtesy and compassion • Integrity – doing the right thing because it’s the right thing to do • Tenacity – culture of looking at new ideas, tackling challenges and overcoming obstacles • Accountability – personally accepting full and ultimate responsibility as well as holding one another accountable. Company Culture |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 23 Prime Meridian Bank promotes and maintains a culture of openness and transparency to encourage exposure of team members to all aspects of banking. Team members, executive officers and board members interact to resolve issues without the typical top/down or bottom/up paths. A Different Banking Model Company Culture |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 24 Best Banks To Work For Since 2015 5 Star Rating (32 Consecutive Quarters by Bauer Financial, the nation's leading bank rating and research firm) Ranked #19 on the OTCQX Best 50: the top performing companies on the OTCQX Best Market based on 2017 total return and growth in average daily dollar volume Company Culture |
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 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 26 Financial Highlights (unaudited) |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 27 ($ in thousands except per share data) Condensed Consolidated Statements of Earnings (unaudited) |
 INVESTORS.PRIMEMERIDIANBANK.COM | OTCQX: PMHG 28 Condensed Consolidated Balance Sheets ($ in thousands) |