HOME FEDERAL SAVINGS AND LOAN ASSOCIATION OF NILES OHIO

NILES, OH | Small | Est. Jan. 1, 1897, midnight | FDIC #28349 | RSSD #71073 | OCC
Latest Report: 2025-12-31

HOME FEDERAL SAVINGS AND LOAN ASSOCIATION OF NILES OHIO is asn small FDIC-insured commercial bank headquartered in NILES, OH, established in Jan. 1, 1897, midnight. As of 2025-12-31, the bank reported total assets of $156M and total deposits of $89M. Profitability stands at 0.94% ROA and 8.85% ROE, with a net interest margin of 2.43%. The bank's CET1 capital ratio is 16.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.72% and a Texas Ratio of 4.86%. FDIC Certificate #28349.

Assets

$156M

Deposits

$89M

Loans

$120M

Equity

$17M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 8.85%
Net Interest Margin (NIM) 2.43%
Yield on Assets 5.67%
Cost of Funds 3.38%

Asset Quality

NPL Ratio 0.72%
Net Charge-Off Ratio --
Texas Ratio 4.86%
NPA Ratio 0.55%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 16.45%
Tier 1 Capital 16.45%
Total Capital Ratio 17.35%
Leverage Ratio 10.39%
Loan-to-Deposit 135.62%

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