Miami Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Net loans and leases to deposits: 2.06 percentage points higher than in Q1 2026, at 93.78%. Miami Savings Bank ranks 31st of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 95.05% (Q2 2026). Miami Savings Bank reported 95.05% on loan-to-deposit ratio for Q2 2026, 14.21 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $25.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $30.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $336K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.23% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.05% |
| Net loans and leases to deposits | 93.78% |
| Loans and leases to core deposits | 111.71% |
| Core deposits to total deposits | 85.08% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 93.33% | 88.89% | $0 | $0 |
| Q4 2023 | 95.25% | 86.98% | $0 | $173K |
| Q1 2024 | 97.57% | 85.61% | $0 | $165K |
| Q2 2024 | 98.33% | 85.52% | $0 | $157K |
| Q3 2024 | 94.62% | 85.51% | $0 | $149K |
| Q4 2024 | 89.53% | 86.68% | $0 | $142K |
| Q1 2025 | 94.10% | 86.13% | $0 | $134K |
| Q2 2025 | 94.19% | 85.41% | $0 | $125K |
| Q3 2025 | 92.93% | 84.24% | $0 | $117K |
| Q4 2025 | 92.14% | 84.65% | $0 | $109K |
| Q1 2026 | 93.06% | 83.38% | $0 | $101K |
| Q2 2026 | 95.05% | 85.08% | $0 | $336K |
Miami Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Miami Savings Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Miami Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32293) · FFIEC NIC profile (RSSD 367178)