TellerScore

Miami Savings Bank (FDIC certificate #32293) is based in Miamitown, Ohio. Its Q2 2026 call report shows $148.3M in total assets and $114.9M in deposits and 4 offices.

Miami Savings Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 19th. Capital cushion contributes the most (100/100, 23.18%); earnings contributes the least (59/100, 0.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 23.18%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 93.8% · 11.7% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (80 → 83), mostly because the earnings component improved by 11 points.

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202480
Q4 202476
Q1 202577
Q2 202580
Q3 202581
Q4 202581
Q1 202682
Q2 202683
Tier 1 leverage ratio
5.00%14.09%23.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202419.71%
Q3 202420.37%
Q4 202420.46%
Q1 202520.93%
Q2 202521.28%
Q3 202521.35%
Q4 202521.75%
Q1 202622.20%
Q2 202623.18%
Noncurrent loans
0.08%0.58%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.57%
Q4 20241.08%
Q1 20250.59%
Q2 20250.47%
Q3 20250.47%
Q4 20250.53%
Q1 20260.48%
Q2 20260.43%
Return on assets
0.41%0.69%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.70%
Q4 20240.71%
Q1 20250.41%
Q2 20250.70%
Q3 20250.75%
Q4 20250.82%
Q1 20260.93%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$148.3M23.18%0.43%0.97%93.8%
Q1 202682$132.0M22.20%0.48%0.93%91.7%
Q4 202581$133.5M21.75%0.53%0.82%90.8%
Q3 202581$134.5M21.35%0.47%0.75%91.5%
Q2 202580$133.6M21.28%0.47%0.70%92.9%
Q1 202577$134.0M20.93%0.59%0.41%92.8%
Q4 202476$137.2M20.46%1.08%0.71%88.4%
Q3 202480$135.2M20.37%0.57%0.70%93.5%
Q2 202481$134.4M19.71%0.08%0.44%97.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio23.18%
97th
Total risk-based capital0.00%
24th
Problem loans0.43%
49th
Net charge-offs0.00%
68th
Return on assets0.97%
32nd
Net interest margin3.60%
32nd
Efficiency ratio69.2%
32nd
Loans to deposits93.8%
19th
Uninsured deposits11.7%
90th
Loan-loss reserves1.33%
66th
Texas ratio1.4%
64th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Monroe Federal Savings and Loan AssociationBank Tipp City, OH59 out of 100, Moderate$144.5M9.9%0.22%vs
Nationwide Trust Company, FSBBank Columbus, OH94 out of 100, Very strong$153.6M36.9%0.00%vs
The Citizens National Bank of WoodsfieldBank Woodsfield, OH65 out of 100, Moderate$153.9M8.9%0.79%vs
The Settlers BankBank Marietta, OH94 out of 100, Very strong$142.4M16.2%0.18%vs
Peoples Savings and Loan CompanyBank Bucyrus, OH68 out of 100, Moderate$157.4M20.3%2.22%vs
The Twin Valley BankBank West Alexandria, OH72 out of 100, Strong$137.6M9.2%0.08%vs

Deposit insurance

Is my money safe at Miami Savings Bank?

Yes. Miami Savings Bank is an FDIC-insured institution (FDIC certificate #32293). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.7% of deposits ($13.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 23.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Miami Savings Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Miami Savings Bank
Former names
Miami Savings and Loan Company; The Miami Savings and Loan Company
Type
State-chartered bank
FDIC certificate #
32293
RSSD ID
367178
Primary regulator
FDIC
Established
December 27, 1909
Headquarters
8008 Ferry Street, Miamitown, OH 45041
Employees
24

Quick answers

Miami Savings Bank: common questions

Is Miami Savings Bank FDIC insured?

Yes. Miami Savings Bank is an FDIC-insured institution (FDIC certificate #32293). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Miami Savings Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Miami Savings Bank ever failed?

There is no failure record for FDIC certificate #32293 in the FDIC failed bank list.

How many branches does Miami Savings Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Miamitown

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs