The total population of the two central Ohio towns in which Miami Valley Bank's branches lie is about 1,400, which by itself wouldn't make the bank a candidate for the fastest-growing, most profitable large community bank in the country.

Nevertheless, that's just what Miami Valley is. Using neither brokered deposits nor other borrowings, the Quincy, Ohio-based bank has grown 275% in the last three years. Meanwhile, it earned a 3.9% return on assets in 1993, making it the seventh-most-profitable community bank with assets of more than $50 million. It also reported a 53.4% return on equity and an 83% loan-to-deposit ratio.

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