MIAMI SAVINGS BANK

MIAMITOWN, OH · Supervised by FDIC

Est. 1909FDIC #32,293RSSD: FDIC-32293

Satisfactory Same

Current rating · Exam: August 2021

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Is this bank safe?

MIAMI SAVINGS BANK holds a Satisfactory CRA rating (2021), meets basic financial requirements (ROA +0.93%).

Institution Profile

FDIC BankFind

Website

www.miamisavings.bank

Address

8008 Ferry Street, MIAMITOWN, OH

County

Hamilton County

Established

December 27, 1909

Total Assets

$132M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2021

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$132M

Total Deposits

$101M

Net Loans

$93M

Net Income

$308K

ROA

0.93%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.24%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.93%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate9.68%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$104M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	31	70.97%	9.68%
2023	49	85.71%	6.12%
2022	57	89.47%	8.77%
2021	134	93.28%	2.24%
2020	191	91.62%	2.62%
2019	68	89.71%	0.00%
2018	67	91.04%	2.99%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2021	Satisfactory	Small Bank
Sep 2015	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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