Niles, OH · Cert 28349 · First Niles Financial Inc.
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
69
Profitability
21
Liquidity
0
Efficiency
16
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Niles, OH · Cert 28349 · First Niles Financial Inc.
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Youngstown-Warren, OH · 2026 SOD (annual) · 0.8% share · #9 of 11 inst. · $0.1B of $10.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.61% | 0.25% | 0.27% | 0.44% | 0.57% | 0.65% | 0.66% | +39 bps | |
| Return on Equity | 7.17% | 6.75% | 2.78% | 2.88% | 4.57% | 5.72% | 5.97% | 6.13% | +324 bps | |
| Net Interest Margin | 1.98% | 1.93% | 2.14% | 2.10% | 2.09% | 2.11% | 2.19% | 2.16% | +6 bps | |
| Efficiency Ratio | 84.45% | 85.20% | 94.88% | 94.49% | 90.84% | 88.84% | 87.02% | 87.55% | -694 bps | |
| Non-Interest Burden | 1.17% | 1.16% | 1.86% | 1.79% | 1.57% | 1.44% | 1.32% | 1.25% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | -0.31% | 3.39% | 4.79% | 4.62% | -0.05% | 0.23% | 1.34% | -344 bps | |
| Loan Growth (YoY) | -0.58% | 5.55% | 12.83% | 9.77% | 4.78% | -0.38% | 2.44% | -0.85% | -1,062 bps | |
| Deposit Growth (YoY) | 9.37% | -5.13% | 2.76% | 3.71% | 4.08% | 5.21% | 1.32% | -1.69% | -539 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.83% | 0.76% | 0.72% | 0.71% | 0.71% | 0.72% | 0.69% | 0.70% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.87% | 0.85% | 0.82% | 0.77% | 0.76% | 0.73% | 0.67% | 0.67% | -9 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.1x | 1.1x | 1.0x | 1.0x | 1.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.15% | 8.97% | 9.10% | 9.96% | 10.22% | 10.39% | 10.91% | 10.74% | +78 bps | |
| Total Risk-Based Capital | 15.39% | 15.27% | 15.22% | 16.52% | 16.61% | 17.35% | 10.91% | 10.74% | -579 bps | |
| Equity / Assets | 9.42% | 9.00% | 9.14% | 10.22% | 10.40% | 10.85% | 10.80% | 10.92% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 138.85% | 143.23% | 140.13% | 140.47% | 139.80% | 135.62% | 141.68% | 141.66% | +119 bps | |
| Liquid Assets / Assets | 4.90% | 5.91% | 6.01% | 4.39% | 6.14% | 6.44% | 4.73% | 6.73% | +234 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 183.11% | 185.67% | 176.89% | n/a | n/a | |
Niles, OH · Cert 28349 · Peer group: banks under $1B in assets (n=581-629) · First Niles Financial Inc.
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
0.66%
Rank 455 of 629
Net Interest Margin
2.16%
Rank 594 of 629
Efficiency Ratio
87.55%
Rank 532 of 629
Equity / Assets
10.92%
Rank 297 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.60% | 1.01% | 1.45% | Beats 28% | 455 / 629 | ||
| Return on Equity | 6.05% | 5.38% | 9.30% | 13.28% | Beats 28% | 450 / 629 | ||
| Net Interest Margin | 2.16% | 3.03% | 3.54% | 4.05% | Beats 6% | 594 / 629 | ||
| Efficiency Ratio | 87.55% | 58.35% | 67.79% | 79.08% | Beats 16% | 532 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.09% | 0.46% | 1.20% | Beats 38% | 359 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.74% | 11.24% | 13.84% | 18.77% | Beats 18% | 514 / 629 | ||
| Total Risk-Based Capital Ratio | 10.74% | 11.58% | 14.43% | 19.66% | Beats 16% | 529 / 629 | ||
| Equity / Assets | 10.92% | 9.09% | 10.65% | 13.80% | Beats 53% | 297 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 141.66% | 67.24% | 80.90% | 93.48% | 99th pctl | 4 / 594 | ||
| Loans / Assets | 77.00% | 53.31% | 67.71% | 78.15% | 72nd pctl | 177 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||