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Home Federal Savings and Loan Association of Niles Ohio

Niles, OH · Cert 28349 · First Niles Financial Inc.

State savings bank · OCC · 1 branch

Q2 2026

$159.1MAssets
$122.5MLoans
$86.5MDeposits
$17.4MEquity
Loan mix
99%RE $123.4M1%C&I $1.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $83.9M3%Noninterest $2.5MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.05%Q2 ’254.97%Q2 ’26+6%+6%

Non-interest income vs. expense

4.50%Q2 ’244.99%Q2 ’256.95%Q2 ’26+75%-30%

Market Position · Youngstown-Warren, OH · 2026 SOD (annual) · 0.8% share · #9 of 11 inst. · $0.1B of $10.6B

Executive Summary

  • Earnings: ROA of 0.68%, up 39 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.70% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.74%, up 78 bps from a year ago.
  • Funding: loans stand at 141.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.68%+39 bps YoY

Net Interest Margin (quarter, annualized)

2.20%+12 bps YoY

Efficiency Ratio (quarter, annualized)

87.96%-616 bps YoY

Tier 1 Leverage Ratio

10.74%+78 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.78%0.94%0.65%0.68%+39 bps
Return on Equity3.02%7.59%8.85%5.97%6.29%+327 bps
Net Interest Margin2.08%2.08%2.22%2.19%2.20%+12 bps
Efficiency Ratio94.12%84.80%84.19%87.02%87.96%-616 bps
Non-Interest Burden1.74%1.11%1.09%1.32%1.22%-52 bps
Growth
Asset Growth (YoY)4.79%4.62%-0.05%0.23%1.34%-344 bps
Loan Growth (YoY)9.77%4.78%-0.38%2.44%-0.85%-1,062 bps
Deposit Growth (YoY)3.71%4.08%5.21%1.32%-1.69%-539 bps
Asset Quality
Nonperforming Loans / Loans0.71%0.71%0.72%0.69%0.70%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.77%0.76%0.73%0.67%0.67%-9 bps
Allowance Coverage of NPLs1.1x1.1x1.0x1.0x1.0x-0.1x
Capital
Tier 1 Leverage Ratio9.96%10.22%10.39%10.91%10.74%+78 bps
Total Risk-Based Capital16.52%16.61%17.35%10.91%10.74%-579 bps
Equity / Assets10.22%10.40%10.85%10.80%10.92%+70 bps
Liquidity & Funding
Loans / Deposits140.47%139.80%135.62%141.68%141.66%+119 bps
Liquid Assets / Assets4.39%6.14%6.44%4.73%6.73%+234 bps
CRE / Total Capitaln/a183.11%185.67%176.89%n/an/a