# MIAMI SAVINGS BANK
MIAMITOWN, OH · FDIC certificate 32293 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $148.3M | |
| Deposits | $114.9M | |
| Loans and leases | $109.2M | |
| Total equity | $31.7M | |
| Loans / deposits | 93.78% (p86 of band) | 73.59% |
| Liquid assets / assets | 20.65% (p23 of band) | |
| Uninsured deposits / deposits | 11.69% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.23% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 23.18% (p92 of band) | 11.76% |
| Unrealized securities loss / equity | -0.23% (p87 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.97% (p38 of band) | 1.17% |
| Net interest margin | 3.60% (p33 of band) | 3.93% |
| Efficiency ratio | 69.24% (p58 of band) | |
| Noncurrent loans | 0.43% (p53 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 307.17% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 4.15% (p27 of band) | |
| Auto loans | $255,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 24 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | NIM <2.5% |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-06 | 1 |  | deposits shrinking |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-11 [Vorys Represents Miami Savings Bank in Pending Acquisition of New Foundation Savings Bank - Vorys](https://news.google.com/rss/articles/CBMitwFBVV95cUxPdnMzQWJzN1R0YkRoeDFJb2ZnSHAtSmtGeHJLQ0FRSDdYd25qM0szSVJnUW9vWW9RQzdpRUp4eEpRUVZVMU1USUFpcDI0N09Bb0l4UHVBQkdBQmRBNlpvNVJOaHdFcHlDNXZtM2xoUWx5eW03Y0JyVWdEaHlNb0ZqS1Z2OXMwd2VxcmFHZllfUS1qaTUwUXBEUFB2Yi1ydDA0bDlZNHpXS0QzWHR5aUNQWHUyVFJLZVk?oc=5) · Vorys
- 2026-02-03 [West Side bank acquires Cincinnati institution, combining century-old firms - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPc01jaHZfcWE2RzVFbFJPZlJ4WEtMeWxjaGF3b09IdXU1dlVVeEpfc1o5bmltYTh1YU5ZeDE0Q2FFa3NiMzF4THFnRDBuTlRGTEdrZ2VZTnZwZktsOUU5NWVYTGdEUzBaR3ZpTEYtenYxN0hLNlpocGhsNHREbzdTcFpkOW5mTGpyUlZpczAyWlBtdTMzU010aDBJU0RHSlRnVWtCdEcwMVZfZw?oc=5) · The Business Journals
- 2026-02-09 [West Side bank adds Cincinnati institution in first-ever acquisition - local12.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSjhtanBaZlZNeUlJQU14Y0k4V0ljZVF1dnF6dklSTHFyNHI5ZFFEOWtYX1JXaU9rOEpBQnQ2azBJcDJNTUp3WDRLaE54bzJUMVlOQkUxUFhMclJKLThLSW9Hb2UxS3NkQmVaVXRrSXREMTU4U29oaTJ6MldhWlEtTDZVS0M3eWdiYWp1dzRYSGFMUDV6aVB0YVlDMjBHcHBMNTJ4eDg5OUwwOXRNMEt2bUwxVy1pODA1NlRDRWVmWkZMd0lya3ZId2hLNEdtMFc3djk0YXhaVGY3eEpOMm1n?oc=5) · local12.com
- 2024-05-25 [Miami banker Raul Masvidal, once one of the city’s most powerful Cuban Americans, dies at 82 - Miami Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTE9oUzlQMFpQeHE1NzZEaW9jQXB2NVNnUWNSTC13Unljc0IzU2pNVDFXOVpoeTNpVjZHUExUSWZwYlpwd0ZqSm9XeFJsTjlSVGpxQUltRWxJejVqTlk1eFhlMU1LSng5NnJrY0FsOUVGZW_SAXBBVV95cUxPWW52dHJmcHl2dFlKQXFqSUVTV3BKYk1qek9QTXEycVpXSjRqM0NkUDBtOEE3TmxCX3NyMXF5dktoc25ZcWdPdm54dWZldXFWMUFfVkk3YVRuN3VlYXYwNVhWcWJ2eFlmSzNMbGw4MWJK?oc=5) · Miami Herald
- 2026-02-27 [State of the Pipeline – February 2026 - S&P Global](https://news.google.com/rss/articles/CBMivwFBVV95cUxPUjUwZS1MbXZrd2d0M2FlbG1rdlVtRW9RclpTa2o0cklmeWkwVXJtTTh0ZmxuVmowYTJxNlZJaW1rN3l1aEpHUUZTOUN4U3BCTy1PUnNKLXdmTkxkVU16Tk5LcS04Y0xCT2FjYVZETXJsVW9ZRlNSblhmTGpmZkVRMkZsdjhaVWctNDZaY2xKemVfUU1lakc4eXpyZ3hSVi05Ykl6R2F0WlVVYUE3blVUNDNPUGlGbjFlT0tIOFdKVQ?oc=5) · S&amp;P Global
- 2015-12-30 [Cincy Business People: Who’s on the move? - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMikwFBVV95cUxPNHpHV3NHeGNqRndXTWlZNUFiZEtWUEFoNk5NLVdpMmNZQnl0WElzUHhxM1RVcGpkM3VFd0JENVpsTlpFRVk2aW5yeXV2bjJPTkRIZVJnbzAyX3FzRWJvMjcyVlU5aFhrQmxZcHdIamlPZGhyaXhfenoxQlJFTDVVbnNlelgxVHJIS25DbDUwajFLYVU?oc=5) · Cincinnati Enquirer
- 2014-03-27 [INTERVIEW: Eliza Dushku - Big Shiny Robot](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBHWTZtSnB5M0h2M2FDdUN3a2pHWWhRaXJzc0ozSVp2anc5cUEzUm1VaE9nZlZteU4yc1lZajREc0U0N3RsOGswMEN2ZEhJVzBfUmxmUFk0dE43ejJUT3JuYnBZbUlYcDg?oc=5) · Big Shiny Robot
- 2015-02-25 [Local bankers emerge as Fed ally in fight against audit bill - The News International](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdG9mdUtlU3k4Y09fNUMtMUR6bzJBWWtfRjlicEREc1VhNU1fYl9BNGdlQTNhLXUwUjBRTVdtanBHMFBFS2dIRFRWWWVGbDktN2JrLVprZGtYM1Z3dmJJV2tsV0RVZzRJVnRWZ21GTU93N09BVDFLaU1YMVlGM01BcEF4ak9ENG4zaWhhczVFR1ZNMTNQemtKVkFtSTNhcTlH0gGeAUFVX3lxTFBlX2NsTjJ2QjRrYUdRWC1rZE1BVnJfUmNiakRPeUhzUHMxbFl2NzJoVnpPSk1RZTlsVDRMcVpMdE03VkVIdmZ0b290VkhiREVmY0RFWDN3bklwTzhUOXE3STVNUWpfMmtrRDRKVzFJT3ZBeVQ1Zkd4cUFSSVdxeFNFSGtpU2k2MnF5MUlfR29BNlpFT1VkRGx4QVlrRHNB?oc=5) · The News International

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32293 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "32293", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide