BlastPoint's Banking Scorecard
Home Federal Savings and Loan Association of Niles
Niles, OH
Home Federal Savings and Loan Association of Niles has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 20.0% in tier
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 18.4% in tier
- - Capital Thin: Bottom 26.7% in tier
- - Net Interest Margin 1.63% below tier average
- - Efficiency Ratio 21.74% above tier average
- - Loan-to-Deposit Ratio 64.09% above tier average
- - Non-Interest-Bearing Deposit Share 19.57% below tier average
- - ROA 0.62% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.5M
+0.2% YoY
+1.5% QoQ
|
-$227.6M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$124.4M
+2.6% YoY
+4.4% QoQ
|
-$131.3M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$88.4M
+1.3% YoY
-0.1% QoQ
|
-$239.5M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.0% in tier |
| Return on Assets ? |
0.65%
+156.3% YoY
+13.7% QoQ
|
-0.62% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
2.30%
-0.1% YoY
-0.4% QoQ
|
-1.63% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio ? |
87.02%
-8.3% YoY
-2.0% QoQ
|
+21.74% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate ? |
0.69%
-3.9% YoY
-4.5% QoQ
|
-0.19% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
140.73%
+1.3% YoY
+4.5% QoQ
|
+64.09% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.45%
-5.6% YoY
+2.2% QoQ
|
-19.57% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.8% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-1.6% YoY
-1.7% QoQ
|
-0.09% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
10.91%
-23.2% YoY
-33.7% QoQ
|
-4.92% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
1.06%
+49.7% YoY
-72.3% QoQ
|
+0.78% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Top 1.6% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.