Miami Savings Bank

Headquarters: Miamitown, Ohio
Charter: Bank
Assets: $148.3M
Fed district: Cleveland
Regulator: FDIC

Explore Hamilton View published fees

Compared with Ohio

4 of 14

compared fees are above the median.

7 below, 3 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
6th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Ohio median
of 14 compared; 7 below, 3 about the same
See the fees
Fee schedule read Oct 15, 2026

How these figures are measured

Call-report figures are for Miami Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Ohio median	Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Miami Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Miami Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

What stands out

Service charges were 0.4% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (6th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5K in Q2 2026, 400% above the same quarter a year earlier ($1K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 14 compared published fees sit above the Ohio median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Ohio medians for fees published by banks and credit unions.

NSF / Returned Item
Miami Savings Bank: $35
Miami Savings Bank: $35
Ohio median: $30109 publishCleveland district median: $30184 publishU.S. median: $302,858 publish
Non-Network ATM
Miami Savings Bank: $2
Miami Savings Bank: $2
Ohio median: $261 publishCleveland district median: $1.5093 publishU.S. median: $1.501,650 publish
Wire Transfer (Domestic Out)
Miami Savings Bank: $20
Miami Savings Bank: $20
Ohio median: $25101 publishCleveland district median: $25157 publishU.S. median: $252,631 publish

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 29% from Q3 2025 to Q2 2026, to $5K. Its share of revenue, 0.4%, is below the 2.1% median for banks with under $300M in assets.

Service-charge income, Q2 2026

$5K

$7KQ3 2025

$6KQ4 2025

$6KQ1 2026

$5KQ2 2026

Against the median (OH for fees)

Share of revenue0.4% / 2.1%
Non‑network ATM$2 / $2

Miami Savings BankMedian

Sources and open questions

FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Miami Savings Bank · $148M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.

Banks only
$145M to $152M in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Miami Savings Bank(this institution)	Miamitown, OH	$148M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
1st Federal Savings Bank of SC, Inc.	Walterboro, SC	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Pensacola	Pensacola, FL	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Salem	Salem, MO	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Plus	Estherville, IA	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carmine State Bank	Carmine, TX	$149M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Savings Bank	Spillville, IA	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers State Bank	Algona, IA	$150M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Farmers Trust & Savings Bank	Earling, IA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Bank and Trust of Memphis	Memphis, TX	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Grand Missouri Bank	Bolivar, MO	$151M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
GSL Savings Bank	Guttenberg, NJ	$151M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hyden Citizens Bank	Hyden, KY	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Jonesburg State Bank	Jonesburg, MO	$146M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Millbury National Bank	Millbury, MA	$147M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Bank of Wyaconda, Missouri	Kahoka, MO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Schuyler Savings Bank	Kearny, NJ	$151M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Security Bank of Southwest Missouri	Cassville, MO	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sweet Water State Bank	Sweet Water, AL	$150M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
The First State Bank of Rosemount	Rosemount, MN	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Peoples Bank	Taylorsville, KY	$145M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Sacramento Deposit Bank	Sacramento, KY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Twin City Bank	Longview, WA	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Federal Savings and Loan Association	Kewanee, IL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vermilion Bank & Trust Company	Kaplan, LA	$145M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
WSB Municipal Bank	Watertown, NY	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Miami Savings Bank does not publish a monthly maintenance fee in the index.

The peer median is $7 among 9 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Miami Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.

Miami Savings BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Miami Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $5K
vs prior quarter: −$1K−16.7%; from Q1 2026
vs a year earlier: +$4K+400.0%; from Q2 2025
vs start of range: +$1K+25.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data); FDIC BankFind Suite (call report data)
Entity: Miami Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: FFIEC call report (bulk data): Standalone quarter: year to date less the prior quarter (Q1 as filed). FDIC BankFind Suite (call report data): One quarter, as reported
Fields: FFIEC call report (bulk data): RIAD4080; FDIC BankFind Suite (call report data): ISERCHGQ
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$5K	−$1K	−16.7%
Q1 2026	$6K	$0	0.0%
Q4 2025	$6K	−$1K	−14.3%
Q3 2025	$7K	+$6K	+600.0%
Q2 2025	$1K	−$3K	−75.0%
Q1 2025	$4K	$0	0.0%
Q4 2024	$4K	$0	0.0%
Q3 2024	$4K	−$1K	−20.0%

Service-charge share against its size cohort

Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Miami Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Miami Savings Bank: 0.4%
Percentile: 6th
25th percentile: 1.1%
Median: 2.1%
75th percentile: 3.4%

Miami Savings Bank 0.4%Median 2.1%Middle half 1.1% to 3.4%Peers at each share13 above 15%, counted in the last bar

Find a peer (1,681)

The 15 closest to Miami Savings Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Miami Savings Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Closed within 90 Days fee$10
Inside the U.S. middle 50% ($10 to $25 nationally)
Dormancy Fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
Escheat Fee$50
Above the U.S. middle 50% ($5 to $10 nationally)
Research Fee - per hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Fee$35
Above the U.S. middle 50% ($25 to $32 nationally)
Return Insufficient Funds Fee - per check and ACH$35
Above the U.S. middle 50% ($25 to $32 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 Days fee	$10Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Dormancy Fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Escheat Fee	$50Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Research Fee - per hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Fee	$35Above the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
Return Insufficient Funds Fee - per check and ACH	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Foreign ATM Transfer Fee	$2Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Foreign ATM Withdrawal Fee	$2Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Card Reissue Fee - per card	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Bill Payment Rush Delivery Fee	$30Inside the U.S. middle 50% ($30 to $50 nationally)	per item	per item
Wire Transfers
Wire Transfers - Outgoing Wire Fee	$20Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Wire Transfers - Incoming Wire Fee	$10Inside the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Wire Transfers - Foreign Outgoing Wire Fee	$55Above the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Wire Transfers - Foreign Incoming Wire Fee	$10Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Check Services
Bank Check Fee - per item	$10Above the U.S. middle 50% ($3 to $6 nationally)	per item	None
Certified Check Fee - per check	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Money Order Fee - per item	$3Inside the U.S. middle 50% ($2 to $3 nationally)	per item	None
Internet Stop Payment Fee	$30Inside the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Stop Payment Fee - Check or ACH - per item	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Digital & Electronic
Bill Payment Rush Delivery Fee - per item	$30Not compared: Per-item charge, not monthly	per item	None
Account Services
Safe Deposit Box - 10x10	$80.85Above the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box - 2x5	$16.17Below the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box - 3x10	$37.73Inside the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box - 3x5	$19.40Below the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box - 5x10	$48.51Inside the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box Drilling Fee	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Lost Key Fee	$15Not compared: Box drilling or key fee	Not stated	None
IRA Levy or Garnishment Fee - per item	$50Not compared: CD/IRA fee	per item	None

Showing 5 of 28 fees.

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Miami Savings Bank operates, and what regulators and customers have on file.

Branch footprint

4 offices in 1 state, $114.9M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$114.9M

Cincinnati, OH-KY-IN

0.1% of bank deposits, #35 of 54, unchanged over five years.

Largest competitors here	Deposit share
U.S. Bank National Association	51.2%
Fifth Third Bank, National Association	25.5%
PNC Bank, National Association	4.9%
First Financial Bank	3.7%
The Huntington National Bank	2.7%

Fees in Cincinnati →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Cincinnati, OH-KY-IN, Miami Savings Bank holds 0.1% of bank deposits, #35 of 54, with 4 offices.

Compare fees with the 54 Cincinnati, OH-KY-IN banks and credit unions in its home-metro peer set →

Offices in the metro

699 offices of 95 institutions shown.

Miami Savings BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Cincinnati, OH-KY-IN metro (FDIC metro code 17140), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 8 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1U.S. Bank National Association51.2%
2Fifth Third Bank, National Association25.5%
3PNC Bank, National Association4.9%
4First Financial Bank3.7%
5The Huntington National Bank2.7%
6JPMorgan Chase Bank, National Association2.0%
7Heritage Bank, Inc.1.0%
8Union Savings Bank0.9%
35Miami Savings Bank0.1%

9 of 54 institutions shown. $187.5B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Cincinnati, OH-KY-IN metro (FDIC metro code 17140)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.1% share, 4 offices, #35 of 54

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Cincinnati, OH-KY-IN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

109 offices of 42 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Miami Savings Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Miami Savings Bank does not publish a monthly maintenance fee in the index.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Miami Savings Bank changes in our data

Miami Savings Bank

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Miami Savings Bank does not publish a monthly maintenance fee in the index.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Miami Savings Bank changes in our data