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Miami Savings Bank

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

Designations: ✓ Mutual

Miamitown, OH

4 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH
View $100M-$1B leaderboard (OH) →

Miami Savings Bank has 1 strength but faces 8 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 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.5% in tier
  • - Liquidity Overhang: Bottom 15.0% in tier
  • - Flatlined Growth: Bottom 17.8% in tier
  • - Deposit Outflow: Bottom 26.3% in tier
  • - Capital Constraint: Bottom 79.6% in tier
  • - ROA 0.34% below tier average
  • - Net Interest Margin 0.33% below tier average
  • - Efficiency Ratio 6.13% above tier average
Get updates when Miami Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $132.0M
-1.5% YoY -1.2% QoQ
-$254.1M $386.1M
+0.5% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
Bottom 9.0% in tier
Total Loans ? $92.9M
-4.3% YoY -0.8% QoQ
-$162.8M $255.7M
+1.1% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
17%
Total Deposits ? $101.3M
-3.2% YoY -1.8% QoQ
-$226.7M $328.0M
+0.1% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
Bottom 6.1% in tier
Return on Assets ? 0.93%
+128.0% YoY +13.2% QoQ
-0.34% 1.27%
+12.9% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
33%
Net Interest Margin ? 3.60%
+0.9% YoY -0.9% QoQ
-0.33% 3.93%
+6.0% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
36%
Efficiency Ratio ? 71.42%
+1.6% YoY +5.4% QoQ
+6.13% 65.29%
-4.5% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
29%
Delinquency Rate ? 0.48%
-19.3% YoY -9.8% QoQ
-0.40% 0.89%
+18.8% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
46%
Loan-to-Deposit Ratio ? 91.72%
-1.2% YoY +1.0% QoQ
+15.08% 76.64%
+0.8% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
21%
Non-Interest-Bearing Deposit Share ? 25.20%
-3.9% YoY -1.9% QoQ
+3.18% 22.02%
-1.0% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
67%
Nonperforming Asset Ratio ? 0.34%
-21.6% YoY -9.5% QoQ
-0.30% 0.64%
+19.7% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
47%
Tier 1 Capital Ratio ? 22.20%
+6.1% YoY +2.1% QoQ
+6.37% 15.83%
+1.5% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
Top 9.7% in tier
Non-Interest Income / Assets ? 0.05%
+26.4% YoY -80.4% QoQ
-0.23% 0.28%
+9.3% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
18%

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 (5)

Liquidity Strain

risk
#17 of 643 • Bottom 2.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.72%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#112 of 739 • Bottom 15.0% 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: 22.20%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 91.72%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#92 of 512 • Bottom 17.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.93%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Deposit Outflow

decline
#134 of 506 • Bottom 26.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank declining

Capital Constraint

risk
#87 of 108 • Bottom 79.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 91.72%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 22.20%
(Tier: 15.83%, National: 17.06%)
better than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

259
Tier 1 Capital Ratio
capital
Value: 22.20%
Peer Median: 15.83%
#259 of 2664 Top 9.7% in $100M-$1B

Top Weaknesses (5 metrics)

2503
Total Deposits
size
Value: $101.28M
Peer Median: $327.97M
#2503 of 2664 Bottom 6.1% in $100M-$1B
2426
Total Assets
size
Value: $131.98M
Peer Median: $386.08M
#2426 of 2664 Bottom 9.0% in $100M-$1B
2213
Total Loans
size
Value: $92.89M
Peer Median: $255.72M
#2213 of 2664 Bottom 17.0% in $100M-$1B
2194
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.28%
#2194 of 2664 Bottom 17.7% in $100M-$1B
2101
Loan-to-Deposit Ratio
liquidity
Value: 91.72%
Peer Median: 76.64%
#2101 of 2664 Bottom 21.2% in $100M-$1B
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