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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


MSB President, Robert T. Lameier

Welcome to Miami Savings Bank. We offer you this website and on-line banking portal as part of our banking services in addition to our branch banking offices. It is our hope that you find the choice of in-person or on-line services meeting your financial needs. 

Miami Savings Bank was founded in 1909 as the Miami Savings and Loan Company in Miamitown, Ohio by a group of six local businessmen. Starting with capital stock of $50,000.00, the bank has grown and expanded into Harrison and Oxford. Clearly our focus was customers and community. Today, our tag line remains “Our Focus is You!”

Over the past 107 plus years, our communities have experienced growth, opportunities, and challenges. Through it all the bank has grown and meets the financial needs with complete safety. We have remained vital to the community by offering competitive products for individuals and businesses. We take pride in being able to make timely decisions which support jobs, business development, and community support. Most of all we have pursued the most prudent banking practices as we gather deposits and provide for loans.

It is our belief that it is a privilege to be part of our community. It is only natural to give volunteer time and funding to local non-profits. In addition, we are most proud of our School Savers Program where our staff visits local schools and accepts deposits from students. Annually, we give a scholarship to a Harrison High School senior to assist in attending college. We are happy to live in the area we serve!

As a community bank, Miami Savings Bank’s directors, officers and staff take great pride in serving our loyal customers. We hope you find our website easy to use and encourage you to visit any of our three offices. On behalf of our team, thank you for your support and business support of our bank.


With best regards,


Robert T. Lameier
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.


Robert Lameier

President Robert Lameier

NMLS #409414
Phone: (513) 353-1339 ext. 102

 Toni Headley

 Toni Headley

Senior Vice President
Chief Lending Officer
NMLS # 489105
Phone: (513) 353-1339 ext. 103

Derrick Taylor

Derrick Taylor2


Senior Vice President
Chief Financial Officer
Phone: (513) 353-1339 ext. 108

Debbie Moeller
VP Debbie Moeller 

Senior 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


Miamitown Branch

Miamitown Branch
8008 Ferry St. P.O. Box 40
Miamitown, OH 45041
Phone: (513)-353-1339

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.

Greg Friedmann
Retired, F&M Mafco

Kenneth Scherzinger
Scherzinger Drilling, Inc. 

Michael A. Frederick, DVM
Miamitown Pet Hospital

Robert Lameier
President, Miami Savings Bank

Louis J. Schultz
Schultz Custom Wall, Inc.

 Financial Statement

Our Financial Statement  as of December 31, 2020
Assets Capital and Liabilities 

Mortgage Loans


Savings Accounts


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