Miami Savings Bank: how it compares with its peers
Against 67 OH banks with half to twice its assets, Miami Savings Bank's strongest measure in Q2 2026 is efficiency ratio (69.24% vs. a 76.84% peer median). Its weakest relative measure is net interest margin (3.60% vs. 3.60%).
| Measure | Miami Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 0.75% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.60% | 3.60% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.24% | 76.84% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $5.7M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.78% | 80.26% | Context |
What it means for lending operations
Its efficiency ratio of 69.24% is better than the 76.84% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Monroe Federal Savings and Loan Association Tipp City, OH · $145M
- Nationwide Trust Company, FSB Columbus, OH · $154M
- The Citizens National Bank of Woodsfield Woodsfield, OH · $154M
- The Settlers Bank Marietta, OH · $142M
- Peoples Savings and Loan Company Bucyrus, OH · $157M
- The Twin Valley Bank West Alexandria, OH · $138M
Questions about Miami Savings Bank
How big is Miami Savings Bank?
Miami Savings Bank, established in 1909, is headquartered in Miamitown, OH. It reported $148M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Miami Savings Bank's return on assets?
0.97% annualized in Q2 2026, against a 0.75% median for 67 OH banks with half to twice its assets, ahead of 61% of them.
What is Miami Savings Bank's efficiency ratio?
69.24% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 76.84%, and lower is better.
Is Miami Savings Bank growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits grew 10.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.