| Metric | Miami Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +4.4% | +6.7 pts |
| Deposit growth (YoY) | +10.7% | +4.0% | +6.8 pts |
| Loan growth (YoY) | +11.8% | +5.6% | +6.2 pts |
| ROA | 0.97% | 1.24% | -0.3 pts |
| ROE | 4.5% | 11.9% | -7.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.3M | $114.9M | $107.8M | $31.7M | $671K | 0.97% | 3.60% | 0.32% |
| Q1 2026 | $132.0M | $101.3M | $92.9M | $29.2M | $308K | 0.93% | 3.60% | 0.34% |
| Q4 2025 | $133.5M | $103.1M | $93.6M | $28.9M | $1.1M | 0.82% | 3.64% | 0.38% |
| Q3 2025 | $134.5M | $104.4M | $95.6M | $28.5M | $758K | 0.75% | 3.65% | 0.34% |
| Q2 2025 | $133.6M | $103.8M | $96.4M | $28.3M | $470K | 0.70% | 3.64% | 0.34% |
| Q1 2025 | $134.0M | $104.6M | $97.1M | $27.9M | $138K | 0.41% | 3.57% | 0.43% |
| Q4 2024 | $137.2M | $107.8M | $95.4M | $27.8M | $966K | 0.71% | 3.68% | 0.76% |
| Q3 2024 | $135.2M | $106.0M | $99.2M | $27.5M | $710K | 0.70% | 3.70% | 0.42% |
Loan mix (Q2 2026): real estate $101.9M · commercial $7.0M · consumer $357K · securities $5.3M
| Ratio | Miami Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.24% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 62.9% | 67th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Miami Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Miami Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Miami Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Miami Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Miami Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2024) · $103.8M branch deposits. Biggest market: Hamilton, OH, ranked 29th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 2 | $97.4M | 0.06% | 29th |
| Butler, OH | 1 | $6.4M | 0.07% | 28th |
Ohio: 204th with 0.02% · Cincinnati metro: 51st, 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3