First Niles Financial Inc., the holding company for Home Federal Savings and Loan Association of Niles, reported Monday its results for the three- and six-month periods ending June 30.

First Niles recorded net income of $100,000 for the three months ending June 30, compared to net income of $246,000 for the same period in 2024, a decrease of $146,000, or 59.4%. For the six months ended June 30, the company recorded net income of $187,000, compared to net income of $354,000 for the same period in 2024, a decrease of $167,000, or 47.2%.

Primary earnings per share for the three and six months ended June 30 were $0.07 and $0.13, respectively, as compared to $0.18 and $0.26 for the three and six-month comparative periods in 2024.

Net interest income after the provision for loan losses for th

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