MIAMI SAVINGS BANK

MIAMITOWN, OH | Small | Est. Dec. 27, 1909, midnight | FDIC #32293 | RSSD #367178 | FDIC
Latest Report: 2025-12-31

MIAMI SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in MIAMITOWN, OH, established in Dec. 27, 1909, midnight. As of 2025-12-31, the bank reported total assets of $134M and total deposits of $103M. Profitability stands at 1.03% ROA and 4.81% ROE, with a net interest margin of 3.64%. The bank's CET1 capital ratio is 21.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 1.24%. FDIC Certificate #32293.

Assets

$134M

Deposits

$103M

Loans

$95M

Equity

$29M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 4.81%
Net Interest Margin (NIM) 3.64%
Yield on Assets 5.11%
Cost of Funds 1.74%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio --
Texas Ratio 1.24%
NPA Ratio 0.28%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 21.47%
Tier 1 Capital 21.47%
Total Capital Ratio 22.54%
Leverage Ratio 21.75%
Loan-to-Deposit 92.14%

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