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Hoyne Savings Bank

$100M-$1B Specialty: Commercial IL FDIC cert 28747

Designations: ✓ Mutual

Chicago, IL

7 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -6.3% year over year ($346.7M on the books).
  • Delinquency rate 0.34%.
  • Return on assets 0.18%.
  • Efficiency ratio 89.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Hoyne Savings Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 12.0% in tier
  • - Credit Quality Pressure: Bottom 19.8% in tier
  • - Return on Assets 1.14% below tier average
  • - Efficiency Ratio 25.47% above tier average
  • - Net Interest Margin 0.07% below tier average
Get updates when Hoyne Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $479.9M
+5.9% YoY +0.5% QoQ
+$93.3M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $282.4M
+14.1% YoY -2.2% QoQ
+$24.0M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $346.7M
-6.3% YoY +0.3% QoQ
+$20.0M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 0.18%
+5.9% YoY +292.9% QoQ
-1.14% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 5.1% in tier
Net Interest Margin ? 3.92%
+25.1% YoY +5.4% QoQ
-0.07% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 89.95%
+1.0% YoY -4.4% QoQ
+25.47% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 5.8% in tier
Delinquency Rate ? 0.34%
+17.9% YoY +66.0% QoQ
-0.57% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 81.44%
+21.7% YoY -2.5% QoQ
+3.49% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
46%
Non-Interest-Bearing Deposit Share ? 16.70%
+177.2% YoY +15.1% QoQ
-5.33% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.35%
+1.0% YoY +27.5% QoQ
-0.31% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 27.26%
+36.4% YoY -2.0% QoQ
+11.35% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Top 5.3% in tier
Non-Interest Income / Assets ? 0.14%
+55.9% YoY +140.7% QoQ
-0.43% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
30%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 16.7%
+10.7pp YoY
+2.2pp QoQ
 -5.5pp 22.1% 20.1% 22.2% 31%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 10.4%
+0.9pp YoY
-0.6pp QoQ
 -1.2pp 11.6% 14.7% 12.5% 54%
CRE 56.3%
+6.5pp YoY
+0.1pp QoQ
 +16.7pp 39.5% 37.9% 41.4% 80%
1-4 Family 34.8%
-7.4pp YoY
+0.5pp QoQ
 +2.2pp 32.6% 28.3% 31.3% 61%
Consumer 0.0% -4.1pp 4.1% 5.4% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 27.3%
+7.3pp YoY
-0.6pp QoQ
 +15.1pp 12.2% 12.2% 12.6% 99%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 65
+7 (+12.1%) YoY
+7 (+12.1%) QoQ
 +6 58 228 482 67%
Assets per Employee ($) $7.4M
-5.5% YoY
-10.4% QoQ
 -$135K $7.5M $8.3M $8.8M 59%
Branch Count 7
0 YoY
0 QoQ
 +2 4 10 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.1% 1.0% 42%
Allowance Coverage 3.04x
-9.0% YoY
-35.4% QoQ
 -21.12x 24.15x 5.62x 20.23x 59%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 0.7%
-0.3pp YoY
+0.5pp QoQ
 -11.5pp 12.2% 10.5% 11.6% 4%
Cost of Funds (YTD) 0.9%
-0.7pp YoY
-0.1pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 8%
Net Income ($, YTD) $431,000
+11.9% YoY
— QoQ
 -$2.1M $2.6M $11.7M $40.4M 9%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#90 of 742 • Bottom 12.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 27.26%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 81.44%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#249 of 1256 • Bottom 19.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.34%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

140
Tier 1 Capital Ratio
capital
Value: 27.26%
Peer Median: 15.91%
#140 of 2643 Top 5.3% in $100M-$1B

Top Weaknesses (2 metrics)

2508
Return on Assets
profitability
Value: 0.18%
Peer Median: 1.32%
#2508 of 2643 Bottom 5.1% in $100M-$1B
2490
Efficiency Ratio
profitability
Value: 89.95%
Peer Median: 64.48%
#2490 of 2643 Bottom 5.8% in $100M-$1B
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