Miami Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Commercial real estate (nonfarm nonresidential) dropped 3.60 percentage points in Q2 2026, from 22.97% to 19.37%. It was the largest change from Q1 2026 among the key lines here. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $109.2M |
| Net loans and leases | $107.8M |
| Loans held for sale | $0 |
| Loans to total assets | 73.65% |
| Loan-to-deposit ratio | 95.05% |
| Net loans to equity capital | 3.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.37% |
| Multifamily (5+ residential) | 1.37% |
| Commercial and industrial | 6.38% |
| Consumer | 0.33% |
| Credit cards | 0.00% |
| Farm | 1.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.45% |
| Construction concentration (Tier 1 capital + allowance) | 3.99% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.32% |
| Interest income on loans | $1.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $102.5M | $109.8M | 25.26% | 7.25% | 0.65% |
| Q4 2023 | $104.1M | $109.3M | 24.65% | 7.97% | 0.75% |
| Q1 2024 | $104.5M | $107.1M | 24.98% | 7.08% | 0.69% |
| Q2 2024 | $103.9M | $105.7M | 24.36% | 7.04% | 0.73% |
| Q3 2024 | $100.3M | $106.0M | 24.95% | 6.63% | 0.67% |
| Q4 2024 | $96.6M | $107.8M | 23.55% | 7.10% | 0.60% |
| Q1 2025 | $98.4M | $104.6M | 23.55% | 6.89% | 0.51% |
| Q2 2025 | $97.8M | $103.8M | 22.43% | 7.36% | 0.44% |
| Q3 2025 | $97.0M | $104.4M | 22.00% | 7.06% | 0.37% |
| Q4 2025 | $95.0M | $103.1M | 22.33% | 6.98% | 0.35% |
| Q1 2026 | $94.2M | $101.3M | 22.97% | 7.23% | 0.28% |
| Q2 2026 | $109.2M | $114.9M | 19.37% | 6.38% | 0.33% |
Miami Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Miami Savings Bank, freeSource: Call Report Schedule RC-C, 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)