Home Federal Savings and Loan Association of Niles Ohio
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
$159.1MAssets
$122.5MLoans
$86.5MDeposits
$17.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 94% of banks under $1B in assets (rank 594 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 16% of banks under $1B in assets | 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 |