Bank · FDIC insured
Home Federal Savings and Loan Association of Niles
A $159.1M bank headquartered in Niles, OH, with 1 branch in Ohio. Best rates: CDs 3.51% and savings 0.15% APY.
Home Federal Savings and Loan Association of Niles Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#9 of 13 in Youngstown, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Home Federal Savings and Loan Association of Niles
Founded in 1897, Home Federal Savings and Loan Association of Niles operates as a subsidiary of First Niles Financial, Inc. (FNFI).
Headquartered in Niles, Ohio, the institution focuses on helping families in Niles and surrounding communities achieve home financing and homeownership.
- Headquarters
- 55 N Main St, Niles, OH 44446
- FDIC certificate
- 28349 ↗
Branches
1 branch in Ohio
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Ohio
1 branch
- Home Federal Savings and Loan Association of NilesMain office55 N Main St, Niles, OH 44446Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.74% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.70% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.66% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $142 | $81 | — |
- CapitalLeverage ratio10.74%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.70%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.66%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$142Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Home Federal Savings and Loan Association of Niles are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.