Home Federal Savings and Loan Association of Niles Ohio: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Federal Savings and Loan Association of Niles Ohio of Niles, OH against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.68% | 1.35% | -0.67% | 19th bottom |
| ROAE | 6.29% | 13.32% | -7.03% | 18th bottom |
| Net Interest Margin | 2.60% | 3.93% | -1.33% | 4th bottom |
| Efficiency Ratio | 87.93% | 61.13% | +26.80% | 7th bottom |
| PPNR / Avg Assets | 0.95% | 1.68% | -0.73% | 19th bottom |
| Yield on Earning Assets | 5.94% | 5.67% | +0.27% | 66th above |
| Cost of Funds | 3.26% | 1.88% | +1.38% | 3rd bottom |
| Net Interest Spread | 2.68% | 3.32% | -0.64% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.70% | 0.94% | -0.24% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.70% | -0.16% | 36th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.67% | 1.28% | -0.61% | 6th bottom |
| ACL / NPLs (Coverage) | 95.82% | 1546.36% | -1450.54% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.22% | 7.34% | -2.12% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.74% | 12.14% | -1.40% | 45th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.36% | -0.44% | 59th above |
| TCE / Tangible Assets | 9.97% | 11.08% | -1.11% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 141.66% | 80.65% | +61.01% | 0th bottom |
| Core Deposit Ratio | 54.80% | 86.85% | -32.05% | 1st bottom |
| Wholesale Funding Ratio | 33.31% | 5.03% | +28.28% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.34% | 6.84% | -5.50% | 28th below |
| Loan Growth (Y/Y) | -0.85% | 7.92% | -8.77% | 20th bottom |
| Deposit Growth (Y/Y) | -1.69% | 6.29% | -7.98% | 15th bottom |
See Home Federal Savings and Loan Association of Niles Ohio's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Federal Savings and Loan Association of Niles Ohio, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Federal Savings and Loan Association of Niles Ohio profile, how to read a UBPR, or how this data updates.