BlastPoint's Banking Scorecard
Home Federal Savings and Loan Association of Niles
Micro
Specialty: Mortgage
OH
FDIC cert 28349
Designations: ✓ Community bank
Niles, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Home Federal Savings and Loan Association of Niles has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 3.27% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.55% below tier
- - Efficiency Ratio 21.11% above tier
- - Loan-to-Deposit Ratio 60.10% above tier
- - Non-Interest-Bearing Deposit Share 20.00% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.2M
-0.0% YoY
-1.6% QoQ
|
-$61.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$119.2M
-0.3% YoY
-2.2% QoQ
|
-$20.0M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$88.5M
+5.2% YoY
+0.8% QoQ
|
-$95.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.57%
-6.2% YoY
+28.3% QoQ
|
-0.52% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.30%
+8.4% YoY
+1.9% QoQ
|
-1.55% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
88.84%
+4.3% YoY
-2.2% QoQ
|
+21.11% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.73%
-4.9% YoY
+1.9% QoQ
|
+0.09% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
134.63%
-5.2% YoY
-3.0% QoQ
|
+60.10% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.39%
-34.5% YoY
+1.6% QoQ
|
-20.00% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-5.1% YoY
+1.3% QoQ
|
+0.10% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
16.45%
+15.8% YoY
+4.9% QoQ
|
+7.60% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
3.83%
+19.6% YoY
+50.0% QoQ
|
+3.27% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.83%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.84%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
134.63%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest Income / Assets
Current: 3.83% · Tier avg: 0.56%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.45% · Tier avg: 8.85%
50
50th pctile
Total Loans
Current: $119.2M · Tier avg: $139.2M
40
40th pctile
Total Assets
Current: $156.2M · Tier avg: $217.5M
37
37th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
25
25th pctile
Total Deposits
Current: $88.5M · Tier avg: $183.7M
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.84% · Tier avg: 67.73%
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.39% · Tier avg: 22.39%
0
0th pctile
Loan-to-Deposit Ratio
Current: 134.63% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 134.63% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.39% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
10
10th pctile
Efficiency Ratio
Current: 88.84% · Tier avg: 67.73%
21
21th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.08%
25
25th pctile
Total Deposits
Current: $88.5M · Tier avg: $183.7M
34
34th pctile
Nonperforming Asset Ratio
Current: 0.55% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.73% · Tier avg: 0.64%
40
40th pctile
Total Assets
Current: $156.2M · Tier avg: $217.5M
50
50th pctile
Total Loans
Current: $119.2M · Tier avg: $139.2M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.45% · Tier avg: 8.85%
99
99th pctile
Non-Interest Income / Assets
Current: 3.83% · Tier avg: 0.56%