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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 $0.0MQ3 2024Q2 2026
Deposit mix
97%Interest-bearing $83.9M3%Noninterest $2.5MQ3 2024Q2 2026

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 0.66%, up 39 bps year over year; NIM at 2.16%.
  • 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.

Return on Assets (YTD, annualized)

0.66%+39 bps YoY

Net Interest Margin (YTD, annualized)

2.16%+6 bps YoY

Efficiency Ratio (YTD, annualized)

87.55%-694 bps YoY

Tier 1 Leverage Ratio

10.74%+78 bps YoY

NIM

4.86%Q2 ’245.03%Q2 ’254.89%Q2 ’26+4%+3%

Non-interest income vs. expense

4.05%Q2 ’244.82%Q2 ’256.22%Q2 ’26+29%-30%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.61%0.25%0.27%0.44%0.57%0.65%0.66%+39 bps
Return on Equity7.17%6.75%2.78%2.88%4.57%5.72%5.97%6.13%+324 bps
Net Interest Margin1.98%1.93%2.14%2.10%2.09%2.11%2.19%2.16%+6 bps
Efficiency Ratio84.45%85.20%94.88%94.49%90.84%88.84%87.02%87.55%-694 bps
Non-Interest Burden1.17%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 / Loans0.83%0.76%0.72%0.71%0.71%0.72%0.69%0.70%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.87%0.85%0.82%0.77%0.76%0.73%0.67%0.67%-9 bps
Allowance Coverage of NPLs1.0x1.1x1.1x1.1x1.1x1.0x1.0x1.0x-0.1x
Capital
Tier 1 Leverage Ratio9.15%8.97%9.10%9.96%10.22%10.39%10.91%10.74%+78 bps
Total Risk-Based Capital15.39%15.27%15.22%16.52%16.61%17.35%10.91%10.74%-579 bps
Equity / Assets9.42%9.00%9.14%10.22%10.40%10.85%10.80%10.92%+70 bps
Liquidity & Funding
Loans / Deposits138.85%143.23%140.13%140.47%139.80%135.62%141.68%141.66%+119 bps
Liquid Assets / Assets4.90%5.91%6.01%4.39%6.14%6.44%4.73%6.73%+234 bps
CRE / Total Capitaln/an/an/an/a183.11%185.67%176.89%n/an/a