First Niles Financial, Inc. (FNFI)

First Niles Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	-	-	8.78	14.59	6.72	26.5
Investment Securities	15.19	15.93	11.43	11.55	11.92	9.37
Mortgage-Backed Securities	-	-	5.59	6.49	7.25	2.8
Total Investments	15.19	15.93	17.02	18.04	19.16	12.17
Gross Loans	99.9	100.24	104.34	104.05	91.64	74.32
Allowance for Loan Losses	-0.83	-	-1.03	-1.06	-0.68	-0.58
Net Loans	99.07	100.24	103.31	102.99	90.97	73.74
Property, Plant & Equipment	-	-	0.31	0.3	0.31	0.33
Goodwill	-	-	1.67	1.67	1.67	1.67
Loans Held for Sale	22.54	18.92	16.13	10.1	6.86	4.12
Accrued Interest Receivable	-	-	0.61	0.62	0.44	0.28
Other Current Assets	-	-	1.86	2.03	2.39	0.68
Other Long-Term Assets	22.37	21.56	3.88	3.81	3.74	3.68
Total Assets	159.17	156.64	156.38	156.9	133.89	124.5

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	-	1.12	1.79	2.02	1.3
Interest Bearing Deposits	85.9	88.11	47.58	54	58.89	57.71
Institutional Deposits	-	-	36	34.1	24.6	22.9
Total Deposits	85.9	88.11	83.58	88.1	83.49	80.61
Short-Term Borrowings	-	-	7.9	-	-	3.1
Current Portion of Long-Term Debt	-	-	12.02	4.5	5.5	5
Current Portion of Leases	-	-	0.17	-	-	-
Accrued Interest Payable	-	-	0.3	0.28	0.15	0.07
Long-Term Debt	53	49.03	0.03	0.07	0.09	0.12
Federal Home Loan Bank Debt, Long-Term	-	-	36.5	48.5	29.5	19
Long-Term Leases	-	-	0.6	-	-	-
Other Long-Term Liabilities	2.73	2.14	-	-	-	-
Total Liabilities	141.63	139.27	142.21	143.24	120.75	109.19

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	6.28	6.28	0.02	0.02	0.02	0.02
Additional Paid-In Capital	-	-	6.65	6.65	6.65	6.65
Retained Earnings	14.92	14.62	14.14	13.6	13.35	13.42
Treasury Stock	-	-	-4.76	-4.76	-4.76	-4.76
Comprehensive Income & Other	-3.65	-3.52	-1.88	-1.85	-2.11	-0.03
Shareholders' Equity	17.54	17.37	14.17	13.66	13.14	15.31
Total Liabilities & Equity	159.17	156.64	156.38	156.9	133.89	124.5

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	53	49.03	57.21	53.07	35.09	27.22
Net Cash (Debt)	-53	-49.03	-48.09	-38.14	-27.52	0.14
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-34.30	-33.15	-36.07	-28.61	-20.64	0.11
Filing Date Shares Outstanding	1.53	1.44	1.33	1.11	1.11	1.33
Total Common Shares Outstanding	1.53	1.44	1.33	1.11	1.11	1.33
Book Value Per Share	11.45	12.10	10.63	12.27	11.81	11.48
Tangible Book Value	17.54	17.37	12.5	11.99	11.48	13.64
Tangible Book Value Per Share	11.45	12.10	9.38	10.77	10.31	10.23

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 1, 2026

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