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Miami Savings Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 32293

Designations: ✓ Mutual

Miamitown, OH

4 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +10.7% year over year ($114.9M on the books).
  • Delinquency rate 0.44%.
  • Return on assets 0.97%.
  • Efficiency ratio 69.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Miami Savings Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.2% in tier
  • - ROA 0.35% below tier average
  • - Net Interest Margin 0.39% below tier average
  • - Efficiency Ratio 4.76% above tier average
Get updates when Miami Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $148.3M
+11.0% YoY +12.4% QoQ
-$238.3M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 13.7% in tier
Total Loans ? $107.8M
+11.8% YoY +16.0% QoQ
-$150.6M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $114.9M
+10.7% YoY +13.5% QoQ
-$211.8M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 10.2% in tier
Return on Assets ? 0.97%
+39.7% YoY +4.8% QoQ
-0.35% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 3.60%
-1.0% YoY -0.1% QoQ
-0.39% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 69.24%
-1.1% YoY -3.1% QoQ
+4.76% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 0.44%
-7.6% YoY -9.2% QoQ
-0.48% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
49%
Loan-to-Deposit Ratio ? 93.78%
+0.9% YoY +2.3% QoQ
+15.83% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 23.65%
-1.5% YoY -6.1% QoQ
+1.62% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.32%
-7.0% YoY -6.3% QoQ
-0.35% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 23.18%
+8.9% YoY +4.4% QoQ
+7.28% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 8.7% in tier
Non-Interest Income / Assets ? 0.10%
+6.6% YoY +115.9% QoQ
-0.47% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 23.7%
-0.4pp YoY
-1.5pp QoQ
 +1.5pp 22.1% 18.8% 22.2% 61%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 6.5%
-1.0pp YoY
-0.9pp QoQ
 -5.1pp 11.6% 10.2% 12.5% 29%
CRE 22.2%
-3.0pp YoY
-3.7pp QoQ
 -17.3pp 39.5% 34.2% 41.4% 22%
1-4 Family 71.2%
+4.2pp YoY
+4.6pp QoQ
 +38.5pp 32.6% 50.0% 31.3% 94%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.7% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 23.2%
+1.9pp YoY
+1.0pp QoQ
 +11.0pp 12.2% 12.9% 12.6% 98%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 24
+2 (+9.1%) YoY
+3 (+14.3%) QoQ
 -35 58 2,433 482 17%
Assets per Employee ($) $6.2M
+1.8% YoY
-1.7% QoQ
 -$1.3M $7.5M $7.6M $8.8M 37%
Branch Count 4
+1 (+33.3%) YoY
+1 (+33.3%) QoQ
 -1 4 81 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 55%
Nonaccrual 0.3%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.6% 1.0% 40%
Allowance Coverage 3.07x
+5.9% YoY
+1.9% QoQ
 -21.08x 24.15x 18.95x 20.23x 59%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 4.5%
+1.1pp YoY
+0.2pp QoQ
 -7.7pp 12.2% 9.7% 11.6% 12%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 21%
Net Income ($, YTD) $671,000
+42.8% YoY
— QoQ
 -$1.9M $2.6M $259.3M $40.4M 15%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#99 of 742 • Bottom 13.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.18%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.78%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

231
Tier 1 Capital Ratio
capital
Value: 23.18%
Peer Median: 15.91%
#231 of 2643 Top 8.7% in $100M-$1B

Top Weaknesses (5 metrics)

2374
Total Deposits
size
Value: $114.92M
Peer Median: $326.73M
#2374 of 2643 Bottom 10.2% in $100M-$1B
2283
Total Assets
size
Value: $148.31M
Peer Median: $386.57M
#2283 of 2643 Bottom 13.7% in $100M-$1B
2161
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2161 of 2643 Bottom 18.3% in $100M-$1B
2154
Loan-to-Deposit Ratio
liquidity
Value: 93.78%
Peer Median: 77.95%
#2154 of 2643 Bottom 18.5% in $100M-$1B
2079
Total Loans
size
Value: $107.78M
Peer Median: $258.35M
#2079 of 2643 Bottom 21.4% in $100M-$1B
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