Miami Savings Bank

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

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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-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.

Fees against the market

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

NSF / Returned Item
Miami Savings Bank: $35
Miami Savings Bank: $35
U.S. median: no median
Non-Network ATM
Miami Savings Bank: $2
Miami Savings Bank: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Miami Savings Bank: $20
Miami Savings Bank: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

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.

Service-charge income, Q2 2026

$5K

$7KQ3 2025

$6KQ4 2025

$6KQ1 2026

$5KQ2 2026

Against the median

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.

Do business accounts and account analysis fees make up more of service charges than at peers?

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

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Account Closed within 90 Days fee$10
Dormancy Fee$5
Escheat Fee$50
Research Fee - per hour$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Insufficient Funds Fee$35
Return Insufficient Funds Fee - per check and ACH$35
per item

ATM & Card

Foreign ATM Transfer Fee$2
Foreign ATM Withdrawal Fee$2
Card Reissue Fee - per card$5
per item
Bill Payment Rush Delivery Fee$30
per item · per item

Wire Transfers

Wire Transfers - Outgoing Wire Fee$20
Wire Transfers - Incoming Wire Fee$10
Wire Transfers - Foreign Outgoing Wire Fee$55
Wire Transfers - Foreign Incoming Wire Fee$10

Check Services

Bank Check Fee - per item$10
per item
Certified Check Fee - per check$5
per item
Money Order Fee - per item$3
per item
Internet Stop Payment Fee$30
Stop Payment Fee - Check or ACH - per item$30
per item

Digital & Electronic

Bill Payment Rush Delivery Fee - per item$30
Not compared: Per-item charge, not monthly
per item

Account Services

Safe Deposit Box - 10x10$80.85
Safe Deposit Box - 2x5$16.17
Safe Deposit Box - 3x10$37.73
Safe Deposit Box - 3x5$19.40
Safe Deposit Box - 5x10$48.51
Safe Deposit Box Drilling Fee$250
Not compared: Box drilling or key fee
Safe Deposit Box Lost Key Fee$15
Not compared: Box drilling or key fee
IRA Levy or Garnishment Fee - per item$50
Not compared: CD/IRA fee
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 Days fee	$10	Not stated	None
Dormancy Fee	$5	Not stated	None
Escheat Fee	$50	Not stated	None
Research Fee - per hour	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Insufficient Funds Fee	$35	Not stated	None
Return Insufficient Funds Fee - per check and ACH	$35	per item	None
ATM & Card
Foreign ATM Transfer Fee	$2	Not stated	None
Foreign ATM Withdrawal Fee	$2	Not stated	None
Card Reissue Fee - per card	$5	per item	None
Bill Payment Rush Delivery Fee	$30	per item	per item
Wire Transfers
Wire Transfers - Outgoing Wire Fee	$20	Not stated	None
Wire Transfers - Incoming Wire Fee	$10	Not stated	None
Wire Transfers - Foreign Outgoing Wire Fee	$55	Not stated	None
Wire Transfers - Foreign Incoming Wire Fee	$10	Not stated	None
Check Services
Bank Check Fee - per item	$10	per item	None
Certified Check Fee - per check	$5	per item	None
Money Order Fee - per item	$3	per item	None
Internet Stop Payment Fee	$30	Not stated	None
Stop Payment Fee - Check or ACH - per item	$30	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	$80.85	Not stated	None
Safe Deposit Box - 2x5	$16.17	Not stated	None
Safe Deposit Box - 3x10	$37.73	Not stated	None
Safe Deposit Box - 3x5	$19.40	Not stated	None
Safe Deposit Box - 5x10	$48.51	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

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.

Fee change alerts

Get an email when Miami Savings Bank's foreign transaction changes in our data

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