Miami Savings Bank
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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
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
- Website
- www.miamisavings.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
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
$148.3M total assets against $133.6M; $116.7M total liabilities against $105.3M.
$107.8M net loans and leases against $96.4M; $114.9M total deposits against $103.8M.
$5.3M securities against $9.6M; $25.3M cash and balances due against $19.3M.
$1.6M total interest income against $1.6M; $402K total interest expense against $453K.
$1.2M net interest income against $1.2M.
$80K total noninterest income against $76K; $864K total noninterest expense against $864K.
-$26K provision for credit losses against -$24K.
$336K net income against $332K.
0.91% return on assets against 1.00%; 3.44% net interest margin against 3.68%.
21.29% tier 1 leverage ratio against 21.28%.
Inside the full Miami Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMiami 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.
Banks merged into Miami Savings Bank
- New Foundation Savings Bank, effective June 1, 2026
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.
| 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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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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