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Miami Savings Bank

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Miamitown, OH $100M to $1B in assets Est. December 27, 1909 FDIC #32293 RSSD #367178 Routing #242072391 FDIC

Data as of · sourced from FFIEC call reports. How we update

Miami Savings Bank is an FDIC-insured commercial bank headquartered in Miamitown, OH, established in 1909 (FDIC certificate 32293), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $148.3M, up 11.0% from Q2 2025, the 111th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.

Charter
Commercial bank
Regulator
FDIC
Deposit insurance
FDIC
FDIC certificate
32293
Headquarters
Miamitown, OH
Established
1909
Total assets, Q2 2026
$148.3M
Assets vs Q2 2025
+11.0%
Tier 1 leverage ratio, Q2 2026
21.29%
Domestic offices
4 FDIC institution directory, current count
Routing number
242072391
Latest call report
Q2 2026, FFIEC 051 · Miami Savings Bank call report
Asset rank in state
111th of 154 in Ohio
Assets
$148.3M
Deposits
$114.9M
Loans
$109.2M
Equity
$31.6M

Miami Savings Bank carries far more capital than most banks of its size. Its balance sheet stood at $148 million at June 30, 2026, up 11.0% from a year earlier; it is based in Miamitown, Ohio. It funds 21.29% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 4.4% a year on shareholders' equity, about a third the median of 12.5% for banks its size.

Its margin is thin by comparison: it keeps 3.44 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).

As of June 30, 2026, Miami Savings Bank reported a return on assets of 0.91%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 1.44%. The figures come from its call report filed with the FFIEC.

Of the 154 banks headquartered in Ohio, Miami Savings Bank is the 111th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 12.4% to $148.3M, loans rose 15.9% and deposits rose 13.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 70.2% of total loans, ahead of owner-occupied commercial real estate loans at 10.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in OH; its Miamitown office books 69% of its branch deposits. Judged on its Q2 2026 call report, Miami Savings Bank meets the community bank leverage ratio test for well capitalized.

Headquarters Profile

Address
8008 Ferry Street, Miamitown, OH 45041
County
Hamilton
Metro Area
Cincinnati, Oh-KY-In
Charter
Commercial bank, state charter, Fed non-member, FDIC-supervised
Primary Regulator
FDIC
FDIC Region
Chicago (Region 9)
Federal Reserve member
No
Federal Reserve district
District 4, Cleveland
Fiduciary (trust) powers
—
Call Report form
FFIEC 051
Established
December 27, 1909
Former names
The Miami Savings and Loan Company (1996-1999)
Domestic offices
4 FDIC institution directory, current count
Employees (FTE)
24
Domestic deposits
$114.9M
Allowance for credit losses
$1.5M
Net charge-offs (YTD)
$0
Average total assets
$147.9M
Average total loans
$108.7M
Average interest-bearing deposits
$86.9M
Tax status
C corporation
Ownership
Mutual
Community bank
Yes
FDIC-insured since
August 9, 1989
FDIC Cert
32293
Fed RSSD
367178

Profitability

Q2 annualized
Return on Assets0.91%YTD 0.92%
Return on Equity4.42%YTD 4.31%
Net Interest Margin3.44%YTD 3.50%

Balance Sheet

Total liabilities$116.7M
Cash & balances due$25.3M
Securities, available-for-sale$0
Securities, held-to-maturity$5.3M
Goodwill & intangibles$12K

Income Statement

Net income Q2$336K
Net interest income YTD$2.3M
Total interest income YTD$3.1M
Total interest expense YTD$804K
Provision for credit losses YTD-$69K

Operating & Funding

Total noninterest income YTD$141K
Total noninterest expense YTD$1.7M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Miami Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures

Quarterly trends

Over the 12 quarters to Q2 2026, Miami Savings Bank's total assets ran between $132.0M (Q1 2026) and $148.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$148.3M total assets against $133.6M; $116.7M total liabilities against $105.3M.

Loans and leases against deposits

$107.8M net loans and leases against $96.4M; $114.9M total deposits against $103.8M.

Securities and cash

$5.3M securities against $9.6M; $25.3M cash and balances due against $19.3M.

Interest income against interest expense

$1.6M total interest income against $1.6M; $402K total interest expense against $453K.

Net interest income

$1.2M net interest income against $1.2M.

Noninterest income against noninterest expense

$80K total noninterest income against $76K; $864K total noninterest expense against $864K.

Provision for credit losses

-$26K provision for credit losses against -$24K.

Net income

$336K net income against $332K.

Return on assets and net interest margin

0.91% return on assets against 1.00%; 3.44% net interest margin against 3.68%.

CET1 and Tier 1 leverage ratios

21.29% tier 1 leverage ratio against 21.28%.

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Miami Savings Bank rankings

Its closest position to the top of a national ranking is 2,489 of 3,640, for Texas Ratio; its furthest is 3,305 of 4,196, for total assets.

How ranks are counted

Banks merged into Miami Savings Bank

Quarterly trend: last 8 quarters

Across the 8 quarters to Q2 2026, its return on assets ran from 0.41% (Q1 2025) to 1.21% (Q3 2024) and its net interest margin ran from 3.44% (Q2 2026) to 3.68% (Q3 2024).

Quarter Leverage ROA NPL Texas NIM
Q2 2026 21.29% 0.91% 0.43% 1.44% 3.44%
Q1 2026 22.20% 0.94% 0.48% 1.47% 3.57%
Q4 2025 21.75% 1.04% 0.53% 1.66% 3.54%
Q3 2025 21.35% 0.86% 0.47% 1.52% 3.63%
Q2 2025 21.28% 1.00% 0.47% 1.55% 3.68%
Q1 2025 20.93% 0.41% 0.59% 1.99% 3.59%
Q4 2024 20.46% 0.75% 1.08% 3.59% 3.60%
Q3 2024 20.37% 1.21% 0.57% 1.98% 3.68%

Swipe the table sideways to see every column.

Branch Network

View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–4 of 4
Branch Location ZIP Deposits
Miami Savings Bank (main office) Miamitown , OH 45041 $79.7M
New Foundation Savings Bank Branch Cincinnati , OH 45239 $14.0M
State Street Branch Harrison , OH 45030 $13.1M
Oxford Branch Oxford , OH 45056 $8.1M

Events & Regulatory History

Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.

Date Category Event Source
June 1, 2026 Merger Participated in Absorption/Consolidation/Merger FDIC
June 1, 2026 Structure Change Acquired New Foundation Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank FFIEC NIC

Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.

Regulatory record

Facts as filed or published, not a rating.

Deposit market share
<0.1% of deposits in OH, rank 132 of 184 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
Not on file
Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Miami Savings Bank: regulatory capital profile · BankRegReports

Frequently asked about Miami Savings Bank

What are Miami Savings Bank's total assets?

As of the Q2 2026 filing, Miami Savings Bank reported total assets of $148.3 million in its FFIEC call report.

Where is Miami Savings Bank headquartered?

It is headquartered in Miamitown, OH, United States.

When was Miami Savings Bank founded?

It was established in 1909, per the FDIC institution directory.

Is Miami Savings Bank FDIC-insured?

Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32293). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Miami Savings Bank?

Miami Savings Bank's primary federal regulator is the FDIC.

How many branches does Miami Savings Bank operate?

It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is Miami Savings Bank's Texas Ratio?

Its Texas Ratio is 1.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

What was Miami Savings Bank previously called?

The charter now named Miami Savings Bank has also operated as The Miami Savings and Loan Company (1996-1999), per FDIC structure-change records.

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