Home Federal Savings and Loan Association of Niles is a savings bank headquartered in Niles, Ohio, in business for about 129 years. At the end of Q2 2026 it reported $159.1M in total assets and $86.5M in deposits, with 1 office.
Based on its Q2 2026 filing, Home Federal Savings and Loan Association of Niles scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 138th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is funding & liquidity (29/100; 141% loans-to-deposits, 34% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (53 → 59), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 53 |
| Q4 2024 | 53 |
| Q1 2025 | 50 |
| Q2 2025 | 53 |
| Q3 2025 | 55 |
| Q4 2025 | 57 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.04% |
| Q3 2024 | 9.15% |
| Q4 2024 | 8.97% |
| Q1 2025 | 9.10% |
| Q2 2025 | 9.96% |
| Q3 2025 | 10.22% |
| Q4 2025 | 10.39% |
| Q1 2026 | 10.91% |
| Q2 2026 | 10.74% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.72% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.70% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $159.1M | 10.74% | 0.70% | 0.66% | 140.7% |
| Q1 2026 | 59 | $158.5M | 10.91% | 0.69% | 0.65% | 140.7% |
| Q4 2025 | 57 | $156.2M | 10.39% | 0.72% | 0.57% | 134.6% |
| Q3 2025 | 55 | $158.8M | 10.22% | 0.71% | 0.44% | 138.7% |
| Q2 2025 | 53 | $157.0M | 9.96% | 0.71% | 0.27% | 139.4% |
| Q1 2025 | 50 | $158.2M | 9.10% | 0.72% | 0.25% | 139.0% |
| Q4 2024 | 53 | $156.3M | 8.97% | 0.76% | 0.61% | 142.0% |
| Q3 2024 | 53 | $151.8M | 9.15% | 0.83% | 0.64% | 137.6% |
| Q2 2024 | 49 | $149.8M | 9.04% | 1.15% | 0.51% | 131.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Savings and Loan CompanyBank Bucyrus, OH | 68 out of 100, Moderate | $157.4M | 20.3% | 2.22% | vs |
| The Antwerp Exchange Bank CompanyBank Antwerp, OH | 62 out of 100, Moderate | $161.3M | 9.7% | 0.70% | vs |
| The Citizens National Bank of WoodsfieldBank Woodsfield, OH | 65 out of 100, Moderate | $153.9M | 8.9% | 0.79% | vs |
| Nationwide Trust Company, FSBBank Columbus, OH | 94 out of 100, Very strong | $153.6M | 36.9% | 0.00% | vs |
| Miami Savings BankBank Miamitown, OH | 83 out of 100, Strong | $148.3M | 23.2% | 0.43% | vs |
| Monroe Federal Savings and Loan AssociationBank Tipp City, OH | 59 out of 100, Moderate | $144.5M | 9.9% | 0.22% | vs |
Deposit insurance
Is my money safe at Home Federal Savings and Loan Association of Niles?
Yes. Home Federal Savings and Loan Association of Niles is an FDIC-insured institution (FDIC certificate #28349). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.8% of deposits ($29.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Home Federal Savings and Loan Association of Niles lists 1 office in 1 city. Most locations:
- Niles, OH (1)
Identity & history
Profile
- Legal name
- Home Federal Savings and Loan Association of Niles
- Type
- Savings bank
- FDIC certificate #
- 28349
- RSSD ID
- 71073
- Primary regulator
- OCC
- Holding company
- First Niles Financial Inc
- Established
- January 1, 1897
- Headquarters
- 55 N Main St, Niles, OH 44446
- Website
- www.homefedniles.com
- Employees
- 42
Quick answers
Home Federal Savings and Loan Association of Niles: common questions
Is Home Federal Savings and Loan Association of Niles FDIC insured?
Yes. Home Federal Savings and Loan Association of Niles is an FDIC-insured institution (FDIC certificate #28349). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Federal Savings and Loan Association of Niles's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Home Federal Savings and Loan Association of Niles ever failed?
There is no failure record for FDIC certificate #28349 in the FDIC failed bank list.
How many branches does Home Federal Savings and Loan Association of Niles have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Niles
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Doy Federal Credit UnionCredit union Youngstown, OH | 85 out of 100, Very strong | $70.8M | 14.1% | 0.25% | vs |
| Stark Federal Credit UnionCredit union Canton, OH | 83 out of 100, Strong | $217.7M | 13.3% | 0.76% | vs |
| First Choice Federal Credit UnionCredit union New Castle, PA | 82 out of 100, Strong | $94.5M | 12.6% | 0.79% | vs |
| Pennstar Federal Credit UnionCredit union Hermitage, PA | 81 out of 100, Strong | $58.7M | 15.6% | 1.01% | vs |
| McDonald Community Federal Credit UnionCredit union Mc Donald, OH | 79 out of 100, Strong | $4.4M | 12.5% | 0.00% | vs |
| New Castle Bellco Federal Credit UnionCredit union New Castle, PA | 79 out of 100, Strong | $14.9M | 11.9% | 0.04% | vs |