Home Federal Savings and Loan Association of Niles: how it compares with its peers
Against 67 OH banks with half to twice its assets, Home Federal Savings and Loan Association of Niles's strongest measure in Q2 2026 is return on assets (0.66% vs. a 0.78% peer median). Its weakest relative measure is assets per employee ($3.8M vs. $5.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.66% | 0.78% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.33% | 3.63% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.55% | 75.72% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.8M | $5.8M | Bottom third Ahead of 1% of peers |
| Loans to deposits Net loans and leases over total deposits. | 140.70% | 80.21% | Context |
What it means for lending operations
Its efficiency ratio of 87.55% is above the 75.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peoples Savings and Loan Company Bucyrus, OH · $157M
- The Antwerp Exchange Bank Company Antwerp, OH · $161M
- The Citizens National Bank of Woodsfield Woodsfield, OH · $154M
- Nationwide Trust Company, FSB Columbus, OH · $154M
- Miami Savings Bank Miamitown, OH · $148M
- Monroe Federal Savings and Loan Association Tipp City, OH · $145M
Questions about Home Federal Savings and Loan Association of Niles
How big is Home Federal Savings and Loan Association of Niles?
Home Federal Savings and Loan Association of Niles, established in 1897, is headquartered in Niles, OH. It reported $159M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Home Federal Savings and Loan Association of Niles's return on assets?
0.66% annualized in Q2 2026, against a 0.78% median for 67 OH banks with half to twice its assets, ahead of 37% of them.
What is Home Federal Savings and Loan Association of Niles's efficiency ratio?
87.55% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 75.72%, and lower is better.
Is Home Federal Savings and Loan Association of Niles growing its loans?
Net loans shrank 0.8% over the year to Q2 2026, while deposits shrank 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.