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Miami Savings Bank

Miamitown, OH · Cert 32293

State charter, non-member · FDIC · 4 branches

Q2 2026

$148.3MAssets
$109.2MLoans
$114.9MDeposits
$31.7MEquity
Loan mix
92%RE $87.2M7%C&I $6.8M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $87.7M24%Noninterest $27.2MQ2 2025Q2 2026

NIM

4.85%Q2 ’244.87%Q2 ’254.71%Q2 ’26+1%+1%

Non-interest income vs. expense

3.33%Q2 ’242.60%Q2 ’252.54%Q2 ’26-27%-4%

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.1% share · #35 of 54 inst. · $0.1B of $187.5B

0.1% Hamilton
0.1% Butler

Executive Summary

  • Earnings: ROA of 1.04%, up 4 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.43% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 23.18%, up 190 bps from a year ago.
  • Funding: loans stand at 95.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.04%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+3 bps YoY

Efficiency Ratio (quarter, annualized)

67.24%-255 bps YoY

Tier 1 Leverage Ratio

23.18%+190 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.86%1.03%0.93%1.04%+4 bps
Return on Equity4.73%4.06%4.81%4.24%4.77%+4 bps
Net Interest Margin3.50%3.47%3.38%3.40%3.53%+3 bps
Efficiency Ratio69.79%63.08%68.29%71.42%67.24%-255 bps
Non-Interest Burden2.37%2.06%2.24%2.38%2.29%-9 bps
Growth
Asset Growth (YoY)-0.59%-0.52%-2.67%-1.53%11.03%+1,162 bps
Loan Growth (YoY)-5.92%-3.26%-1.59%-4.25%11.73%+1,764 bps
Deposit Growth (YoY)-1.78%-1.50%-4.38%-3.18%10.71%+1,249 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.47%0.53%0.48%0.43%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.36%1.48%1.47%1.44%1.33%-3 bps
Allowance Coverage of NPLs2.9x3.2x2.8x3.0x3.1x+0.2x
Capital
Tier 1 Leverage Ratio21.28%21.35%21.75%22.20%23.18%+190 bps
Total Risk-Based Capital21.28%21.35%21.75%22.20%23.18%+190 bps
Equity / Assets21.15%21.22%21.63%22.12%21.34%+19 bps
Liquidity & Funding
Loans / Deposits94.19%92.93%92.14%93.06%95.05%+86 bps
Liquid Assets / Assets21.33%22.50%23.36%23.04%20.32%-102 bps
CRE / Total Capitaln/a84.98%82.67%82.43%n/an/a