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About Us

The History of Miami Savings Bank

History of MSB

In December of 1909, the Miami Savings & Loan Company was incorporated in Miamitown, Ohio. The first Directors, elected on January 10, 1910, were Lewis R. Hine, William Adams, Frank Arnold, William Bohnert, Amos Pickens, Joseph Gieringer Sr., and William Minges. Their vision was a simple concept of “neighbors helping neighbors.” 

The Miami Savings & Loan Company originally rented space in the Joseph Gieringer & Sons Company building. In 1931, the bank purchased the building. It was remodeled and remained the home of Miami Savings & Loan until 1964 when the company moved into its new and present location at 8008 Ferry Street. The Ferry Street location was remodeled and an addition was built in 1994. It is now twice the size it was in 1964.

In February of 1995, Miami Savings & Loan opened its second location on South State Street in Harrison, Ohio. Just four years later, in August of 1999, Miami Savings & Loan, now known as Miami Savings Bank, opened its third branch in Oxford, Ohio on West Spring Street near the Miami University campus. At the end of September, 2008, Miami Savings continued its growth by moving its Oxford branch to a larger facility at 475 McGuffey Avenue.

Since opening in 1909, Miami Savings Bank began with capital stock of $50,000 and one office, and has grown into a bank which now has three branches and over $120,000,000 in assets.

Mission Statement

The mission of the Miami Savings Bank is to be a community bank servicing the local Miamitown, Harrison, and Oxford areas in meeting the personal financial needs, providing residential mortgages and small business loans. Miami Savings Bank will originate or participate in certain lending activities outside the community on a selective basis when preferred opportunities exist.

Miami Savings Bank will attract funds from our community by providing excellent service to meet depositors needs and by utilizing other sources of funds. Further, Miami Savings Bank will be managed in ways which provide an acceptable return on assets and adequate capital at a given risk exposure.

Vision Statement

The vision of Miami Savings Bank is dedication to the highest quality of Customer Service delivered with friendliness, a sense of caring, pride in oneself, and pride in our bank.

To Our Employees 
We are committed to provide our employees with a stable work environment that affords them equal opportunity for learning and personal growth. Employees will be provided the same respect and caring attitude within the organization that they are expected to share with every Miami Savings Bank customer.

A Letter from the President

  Derrick at dest 

Welcome to our website and banking portal. If you are a current customer, thank you for your trust and confidence to allow Miami Savings Bank to meet your financial needs. If you are not a customer yet, please review our many products designed for your needs. These products are designed for individuals and businesses with state of the industry delivery, or "online" banking options, allowing convenience but also providing personal service when desired or needed.


Miami Savings Bank was founded in 1909 in Miamitown and expanded into Harrison and Oxford. We are mutually owned which means our depositors own the Bank. All our Board members, management and employees live close and are active in our community. As a result, our focus is our customers and community. Therefore, our tagline remains, "Our Focus Is You!"

Our Directors and staff take great pride in serving our loyal customers. We hope you find our website easy to use and useful, but also encourage you to visit our Miamitown, Harrison and Oxford offices.


With best regards,

 Derrick Signature

Derrick S. Taylor
President and Chief Executive Officer

PS: Please feel free to visit with me at our Miamitown Branch. My office is just inside the front door.


Our Leadership

Miami Savings Bank Management has experienced leaders who work and reside in the communities we serve. This is also true of our Board of Directors.


Derrick Taylor

Derrick Taylor2

Chief Executive Officer
Phone: (513) 353-1339 ext. 102

Debbie Moeller 

 VP Debbie Moeller

Executive Vice President
Compliance Officer
Phone: (513) 353-1339 ext. 104

Colleen Whalen

Assistant VP, Colleen Whalen


Vice President
Branch and Deposit Operations
Phone: (513) 353-1339 ext. 122


Olivia Schulte, CPA

Olivia Schulte

Vice President
Chief Financial Officer
513-353-1339 ext. 108

Customer Appreciation 

We appreciate your business!
As always our focus!

Contact Us!

Contact Us!

Call, email, or visit us!

Miamitown Branch

Susan Unkrich

Assitant manager

Assistant Branch Manager
Phone: (513) 353-1339 ext. 109

Carol Bazeley

Carol Bazeley Operations Support 


Operations Support Supervisor
(Online Banking and Debit Card)
Phone: (513) 353-5228


Brad Brown 

Brad Brown 

Assistant Vice President
Loan and CRA Officer
NMLS #1459395
Phone: (513) 353-1339 ext. 113

Ashley Hake 

Ashley Hake

Customer Service Representative
NMLS # 1539709
Phone: (513) 353-1339

Harrison Branch

Carrie Potter

Office Supervisor
Phone: (513) 367-7970

Oxford Branch

 Rebekah Wells

Office Supervisor
Phone: (513) 523-7711


Our Board of Directors


   Vice Chairman


Dennis Schultz
Schultz Custom Wall, Inc.

Kenneth Scherzinger
Scherzinger Drilling, Inc.

Michael A. Frederick, DVM
Miamitown Pet Hospital

Robert Lameier
Miami Savings Bank (retired)

Louis J. Schultz
Schultz Custom Wall, Inc.

Derrick Taylor
Miami Savings Bank

 Financial Statement

Our Financial Statement  as of December 31, 2022
Assets Capital and Liabilities 

Real Estate Loans




Other Loans


FHLB Advances


Stock in Federal Home Loan Bank


Other Liabilities


Cash on Hand in Banks




Other Investments


Retained Earnings


Fixed Assets (less depreciation)




Other Assets