Home Federal Savings and Loan Association of Niles Ohio
Home Federal Savings and Loan Association of Niles Ohio is an FDIC-insured savings institution headquartered in Niles, OH, supervised by the OCC, with $159.1M in total assets at Q2 2026, up 1.3% from Q2 2025, the 107th largest of 154 banks headquartered in Ohio. It was established in 1897 and holds FDIC certificate 28349. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28349
- Headquarters
- Niles, OH
- Established
- 1897
- Total assets, Q2 2026
- $159.1M
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 10.74%
- Domestic offices
- 1 · Home Federal Savings and Loan Association of Niles Ohio branches FDIC institution directory, current count
- Routing number
- 241271614
- Safety and soundness
- Is Home Federal Savings and Loan Association of Niles Ohio safe?
- Latest call report
- Q2 2026, FFIEC 051 · Home Federal Savings and Loan Association of Niles Ohio Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- FIRST NILES FINANCIAL, INC.
- Asset rank in state
- 107th of 154 in Ohio
Home Federal Savings and Loan Association of Niles Ohio spends more to run itself than most banks of its size. Its balance sheet stood at $159 million at June 30, 2026, up 1.3% from a year earlier; it is based in Niles, Ohio. It spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also keeps 2.60 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
Earnings jumped: net income for the quarter was $271,000, 136% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 3.26% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Home Federal Savings and Loan Association of Niles Ohio reported a return on assets of 0.68%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 5.22%. The figures come from its call report filed with the FFIEC.
Home Federal Savings and Loan Association of Niles Ohio ranks as the 107th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.4% to $159.1M, loans fell 2.2% and deposits fell 2.2%. 1-4 family residential loans made up 75.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 10.2%. Its one office in the FDIC Summary of Deposits is in Niles, OH. By the capital ratios in its Q2 2026 call report, Home Federal Savings and Loan Association of Niles Ohio meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 55 N Main St, Niles, OH 44446
- County
- Trumbull
- Metro Area
- Youngstown-Warren, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1897
- Former names
- Home Federal Savings and Loan Association of Niles (1897)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $86.5M
- Allowance for credit losses
- $826K
- Net charge-offs (YTD)
- $0
- Average total assets
- $159.5M
- Average total loans
- $101.4M
- Average interest-bearing deposits
- $82.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28349
- Fed RSSD
- 71073
- SEC CIK
- 1065823 → filed by FIRST NILES FINANCIAL, INC.
- Website
- http://www.HomeFedNiles.com →
- Parent Holding Company
- FIRST NILES FINANCIAL, INC. (RSSD 3828634) · FNFI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| William L Stephens | CEO | President and CEO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Home Federal Savings and Loan Association of Niles Ohio reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Home Federal Savings and Loan Association of Niles Ohio's total assets ranged from $149.8M (Q2 2024) to $159.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$159.1M total assets against $157.0M; $141.7M total liabilities against $140.9M.
$121.7M net loans and leases against $122.6M; $86.5M total deposits against $88.0M.
$15.2M securities against $16.6M; $11.0M cash and balances due against $6.5M.
$2.0M total interest income against $2.0M; $1.1M total interest expense against $1.2M.
$867K net interest income against $818K.
$2.3M total noninterest income against $1.3M; $2.8M total noninterest expense against $2.0M.
-$8K provision for credit losses against -$50K.
$271K net income against $115K.
0.68% return on assets against 0.29%; 2.60% net interest margin against 2.16%.
10.74% tier 1 leverage ratio against 9.96%.
Inside the full Home Federal Savings and Loan Association of Niles Ohio terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Home Federal Savings and Loan Association of Niles Ohio rankings
Its closest position to the top of a national ranking is 1,285 of 3,640, for Texas Ratio; its furthest is 3,439 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q1 2025) to 0.93% (Q4 2025) and its net interest margin ran from 2.02% (Q4 2024) to 2.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.74% | 0.68% | 0.70% | 5.22% | 2.60% |
| Q1 2026 | 10.91% | 0.66% | 0.69% | 5.30% | 2.55% |
| Q4 2025 | 10.39% | 0.93% | 0.72% | 5.36% | 2.29% |
| Q3 2025 | 10.22% | 0.78% | 0.71% | 5.51% | 2.16% |
| Q2 2025 | 9.96% | 0.29% | 0.71% | 5.72% | 2.16% |
| Q1 2025 | 9.10% | 0.25% | 0.72% | 6.36% | 2.22% |
| Q4 2024 | 8.97% | 0.49% | 0.76% | 6.80% | 2.02% |
| Q3 2024 | 9.15% | 0.91% | 0.83% | 7.13% | 2.06% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Federal Savings and Loan Association of Niles | Niles , OH | 44446 | $86.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 147 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 50 applications, 49 loans originated, $15.1M originated, across 4 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home Federal Savings and Loan Association of Niles Ohio
What are Home Federal Savings and Loan Association of Niles Ohio's total assets?
As of the Q2 2026 filing, Home Federal Savings and Loan Association of Niles Ohio reported total assets of $159.1 million in its FFIEC call report.
Where is Home Federal Savings and Loan Association of Niles Ohio headquartered?
It is headquartered in Niles, OH, United States.
When was Home Federal Savings and Loan Association of Niles Ohio founded?
It was established in 1897, per the FDIC institution directory.
Is Home Federal Savings and Loan Association of Niles Ohio FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28349). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Federal Savings and Loan Association of Niles Ohio?
Home Federal Savings and Loan Association of Niles Ohio's primary federal regulator is the OCC.
How many branches does Home Federal Savings and Loan Association of Niles Ohio operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Federal Savings and Loan Association of Niles Ohio's Texas Ratio?
Its Texas Ratio is 5.22% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Home Federal Savings and Loan Association of Niles Ohio previously called?
The charter now named Home Federal Savings and Loan Association of Niles Ohio has also operated as Home Federal Savings and Loan Association of Niles (1897), per FDIC structure-change records.
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