BlastPoint's Banking Scorecard
Hoyne Savings Bank
Designations: ✓ Mutual
Chicago, IL
7 branches across IL
Hoyne Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.1% in tier
- - Return on Assets 1.22% below tier average
- - Efficiency Ratio 28.84% above tier average
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$477.8M
+2.7% YoY
-2.5% QoQ
|
+$91.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$288.8M
+18.0% YoY
+7.2% QoQ
|
+$33.1M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$345.6M
-9.6% YoY
-3.3% QoQ
|
+$17.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
0.05%
+500.6% YoY
-87.0% QoQ
|
-1.22% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.9% in tier |
| Net Interest Margin ? |
3.72%
+23.7% YoY
+11.0% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
94.12%
-2.9% YoY
+14.3% QoQ
|
+28.84% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate ? |
0.21%
-42.8% YoY
-51.6% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
83.57%
+30.6% YoY
+10.8% QoQ
|
+6.93% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
14.51%
+212.9% YoY
-2.0% QoQ
|
-7.51% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.28%
-26.3% YoY
-27.7% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
27.81%
+46.8% YoY
+12.2% QoQ
|
+11.98% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 4.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
+46.9% YoY
-76.1% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
24% |
Get Full Access to Hoyne Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.