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Home Federal Savings and Loan Association of Niles

$100M-$1B Specialty: Mortgage OH FDIC cert 28349

Niles, OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits -1.7% year over year ($86.5M on the books).
  • Delinquency rate 0.71%.
  • Return on assets 0.66%.
  • Efficiency ratio 87.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 140.70% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

Home Federal Savings and Loan Association of Niles has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 19.1% in tier
  • + Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 27.0% in tier
  • - Capital Thin: Bottom 29.7% in tier
  • - Liquidity Strain: Bottom 46.9% in tier
  • - Net Interest Margin 1.66% below tier average
  • - Efficiency Ratio 23.07% above tier average
  • - Non-Interest-Bearing Deposit Share 19.09% below tier average
  • - ROA 0.66% below tier average
Get updates when Home Federal Savings and Loan Association of Niles releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $159.1M
+1.3% YoY +0.4% QoQ
-$227.5M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $121.7M
-0.8% YoY -2.2% QoQ
-$136.7M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $86.5M
-1.7% YoY -2.2% QoQ
-$240.3M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 1.7% in tier
Return on Assets ? 0.66%
+144.1% YoY +3.0% QoQ
-0.66% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 2.33%
+2.3% YoY +1.5% QoQ
-1.66% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 2.0% in tier
Efficiency Ratio ? 87.55%
-7.3% YoY +0.6% QoQ
+23.07% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Bottom 7.6% in tier
Delinquency Rate ? 0.71%
-1.0% YoY +2.0% QoQ
-0.21% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 140.70%
+0.9% YoY -0.0% QoQ
+62.75% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 0.3% in tier
Non-Interest-Bearing Deposit Share ? 2.94%
+9.1% YoY +20.3% QoQ
-19.09% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 2.1% in tier
Nonperforming Asset Ratio ? 0.54%
-3.0% YoY -0.6% QoQ
-0.13% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
37%
Tier 1 Capital Ratio ? 10.74%
-31.0% YoY -1.6% QoQ
-5.17% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 2.49%
+62.1% YoY +134.7% QoQ
+1.93% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Top 1.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 2.9%
+0.2pp YoY
+0.5pp QoQ
 -19.2pp 22.1% 18.8% 22.2% 2%
Brokered Deposits 12.3%
-2.9pp YoY
-2.2pp QoQ
 +4.4pp 7.9% 7.7% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 1.8%
+0.5pp YoY
+0.3pp QoQ
 -9.8pp 11.6% 10.2% 12.5% 6%
CRE 22.9%
-2.5pp YoY
-0.8pp QoQ
 -16.6pp 39.5% 34.2% 41.4% 22%
1-4 Family 75.9%
+1.9pp YoY
+0.5pp QoQ
 +43.3pp 32.6% 50.0% 31.3% 96%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.7% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 10.7%
+0.8pp YoY
-0.2pp QoQ
 -1.4pp 12.2% 12.9% 12.6% 45%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 42
+2 (+5.0%) YoY
0 QoQ
 -17 58 2,433 482 44%
Assets per Employee ($) $3.8M
-3.5% YoY
+0.4% QoQ
 -$3.7M $7.5M $7.6M $8.8M 3%
Branch Count 1
0 YoY
0 QoQ
 -4 4 81 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.7%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.9% 0.6% 1.0% 63%
Allowance Coverage 0.96x
-11.4% YoY
-1.9% QoQ
 -23.20x 24.15x 18.95x 20.23x 26%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 6.1%
+3.2pp YoY
+0.2pp QoQ
 -6.1pp 12.2% 9.7% 11.6% 17%
Cost of Funds (YTD) 3.0%
-0.2pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.7% 1.7% 98%
Net Income ($, YTD) $525,000
+145.3% YoY
— QoQ
 -$2.0M $2.6M $259.3M $40.4M 11%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#127 of 661 • Top 19.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 2.49%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.66%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Flatlined Growth

risk
#144 of 529 • Bottom 27.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.66%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Capital Thin

risk
#197 of 661 • Bottom 29.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.74%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#325 of 691 • Bottom 46.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 140.70%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

37
Non-Interest Income / Assets
revenue_mix
Value: 2.49%
Peer Median: 0.57%
#37 of 2643 Top 1.4% in $100M-$1B

Top Weaknesses (8 metrics)

2637
Loan-to-Deposit Ratio
liquidity
Value: 140.70%
Peer Median: 77.95%
#2637 of 2643 Bottom 0.3% in $100M-$1B
2599
Total Deposits
size
Value: $86.47M
Peer Median: $326.73M
#2599 of 2643 Bottom 1.7% in $100M-$1B
2591
Net Interest Margin
profitability
Value: 2.33%
Peer Median: 3.99%
#2591 of 2643 Bottom 2.0% in $100M-$1B
2588
Non-Interest-Bearing Deposit Share
funding
Value: 2.94%
Peer Median: 22.03%
#2588 of 2643 Bottom 2.1% in $100M-$1B
2443
Efficiency Ratio
profitability
Value: 87.55%
Peer Median: 64.48%
#2443 of 2643 Bottom 7.6% in $100M-$1B
2198
Total Assets
size
Value: $159.09M
Peer Median: $386.57M
#2198 of 2643 Bottom 16.9% in $100M-$1B
2186
Return on Assets
profitability
Value: 0.66%
Peer Median: 1.32%
#2186 of 2643 Bottom 17.3% in $100M-$1B
2125
Tier 1 Capital Ratio
capital
Value: 10.74%
Peer Median: 15.91%
#2125 of 2643 Bottom 19.6% in $100M-$1B
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