BanksMIAMI SAVINGS BANK

MIAMI SAVINGS BANK

MIAMITOWN, OHSmallEst. Dec. 27, 1909, midnightFDIC #32293RSSD #367178FDIC
Latest · 2025-12-31

MIAMI SAVINGS BANK is an 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%. CET1 capital ratio: 21.47%, well above regulatory minimums. NPL ratio: 0.40% · Texas Ratio: 1.24%. Operates 3 domestic branches.

Assets
$134M
Deposits
$103M
Loans
$95M
Equity
$29M

Profitability

Return on Assets (ROA)1.03%
Return on Equity (ROE)4.81%
Net Interest Margin3.64%
Yield on Assets5.11%
Cost of Funds1.74%

Asset Quality

NPL Ratio0.40%
Net Charge-Off Ratio0.00%
Texas Ratio1.24%
NPA Ratio0.28%
ACL / Loans1.47%

Capital & Liquidity

CET1 Ratio21.47%
Tier 1 Capital21.47%
Total Capital Ratio22.54%
Leverage Ratio21.75%
Loan-to-Deposit92.14%

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