Miami Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Miami Savings Bank of Miamitown, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.34% | -0.27% | 37th below |
| ROAE | 4.77% | 13.32% | -8.55% | 14th bottom |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 37th below |
| Efficiency Ratio | 67.15% | 61.14% | +6.01% | 34th below |
| PPNR / Avg Assets | 1.24% | 1.68% | -0.44% | 30th below |
| Yield on Earning Assets | 4.96% | 5.67% | -0.71% | 22nd bottom |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 3.00% | 3.32% | -0.32% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.94% | -0.62% | 56th above |
| NPA / Total Assets | 0.24% | 0.70% | -0.46% | 56th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 66th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 412.46% | 1538.85% | -1126.39% | 67th above |
| Texas Ratio | 1.48% | 7.33% | -5.85% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 23.18% | 12.14% | +11.04% | 97th top |
| Equity / Assets | 21.34% | 11.37% | +9.97% | 97th top |
| TCE / Tangible Assets | 21.25% | 11.09% | +10.16% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.05% | 80.63% | +14.42% | 18th bottom |
| Core Deposit Ratio | 85.08% | 86.86% | -1.78% | 30th below |
| Wholesale Funding Ratio | 0.23% | 5.03% | -4.80% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.03% | 6.85% | +4.18% | 85th top |
| Loan Growth (Y/Y) | 11.73% | 7.90% | +3.83% | 79th top |
| Deposit Growth (Y/Y) | 10.71% | 6.29% | +4.42% | 85th top |
See Miami Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Miami Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Miami Savings Bank profile, how to read a UBPR, or how this data updates.