First Niles Financial, Inc. operates as a holding company for the Home Federal Savings and Loan Association of Niles that provides various banking products and services in Ohio, the United States. The company operates in two segments, Community Banking and Mortgage Banking. The company offers personal and business checking and savings, direct deposit, money market deposit, certificates of deposit and Christmas club accounts. It also provides loans, such as mortgage and consumer loans, commercial and industrial loans, construction and development loans, real estate mortgage and commercial real estate loans and home equity and commercial lines of credit. In addition, the company provides e-statement, night depository services, debit and ATM cards, safe deposit boxes, I.R.A. certificates of deposit and savings accounts, and online banking services. First Niles Financial, Inc. was founded in 1897 and is based in Niles, Ohio.