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Hoyne Savings Bank

Chicago, IL · Cert 28747 · Hoyne Bcorp Inc.

SI · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hoyne Savings Bank

Chicago, IL · Cert 28747 · Hoyne Bcorp Inc.

SI · FDIC · 7 branches

Q2 2026

$479.9MAssets
$285.3MLoans
$346.7MDeposits
$123.1MEquity
Loan mix
89%RE $261.1M11%C&I $31.7M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $288.8M17%Noninterest $57.9MQ2 2025Q2 2026

NIM

3.73%Q2 ’244.33%Q2 ’254.53%Q2 ’26+38%+27%

Non-interest income vs. expense

2.93%Q2 ’242.76%Q2 ’253.59%Q2 ’26-5%+28%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #80 of 147 inst. · $0.3B of $630.7B

Executive Summary

  • Earnings: ROA of 0.18%, up 1 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.34% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 27.26%, up 727 bps from a year ago.
  • Funding: loans stand at 82.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+80 bps YoY

Efficiency Ratio (YTD, annualized)

89.95%+86 bps YoY

Tier 1 Leverage Ratio

27.26%+727 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.20%0.35%0.05%0.18%+1 bps
Return on Equity0.97%1.14%1.83%0.18%0.70%-27 bps
Net Interest Margin2.90%2.98%2.76%3.44%3.70%+80 bps
Efficiency Ratio89.09%87.58%82.33%94.12%89.95%+86 bps
Non-Interest Burden2.59%2.60%2.26%3.24%3.31%+72 bps
Growth
Asset Growth (YoY)2.54%4.01%8.67%2.65%5.87%+332 bps
Loan Growth (YoY)24.33%16.40%11.89%18.06%14.16%-1,018 bps
Deposit Growth (YoY)2.14%4.05%-3.41%-9.62%-6.29%-843 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.33%0.42%0.21%0.34%+5 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.00%0.00%+1 bps
Allowance / Loans0.97%1.01%0.99%0.97%1.03%+7 bps
Allowance Coverage of NPLs3.3x3.0x2.3x4.7x3.0x-0.3x
Capital
Tier 1 Leverage Ratio19.99%20.23%24.79%27.81%27.26%+727 bps
Total Risk-Based Capital19.99%20.23%24.79%27.81%27.26%+727 bps
Equity / Assets17.83%18.10%25.07%25.69%25.64%+781 bps
Liquidity & Funding
Loans / Deposits67.56%68.24%76.14%84.39%82.29%+1,474 bps
Liquid Assets / Assets11.87%12.16%15.50%8.62%11.00%-87 bps
CRE / Total Capitaln/a148.69%115.27%121.77%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hoyne Savings Bank

Chicago, IL · Cert 28747 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Hoyne Bcorp Inc.

SI · FDIC · 7 branches

Q2 2026

$479.9MAssets
$285.3MLoans
$346.7MDeposits
$123.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: return on equity trails 86% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 49 of 57).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.18%

Rank 49 of 57

Net Interest Margin

3.70%

Rank 26 of 57

Efficiency Ratio

90.94%

Rank 49 of 57

Equity / Assets

25.64%

Rank 3 of 57

Non-interest income vs. expense

$1.3M$16.9MINCOMEEXPENSE
Unfavorable gap of $15.6M · efficiency ratio beats 16% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 90.94%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.18%0.51%0.84%1.19%Beats 14%49 / 57
Return on Equity0.70%3.13%7.76%11.40%Beats 14%49 / 57
Net Interest Margin3.70%3.16%3.63%4.08%Beats 54%26 / 57
Efficiency Ratio90.94%59.57%69.70%81.06%Beats 16%49 / 57
Asset Quality
Nonperforming Loans / Loans0.34%0.06%0.34%1.78%Beats 50%29 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio27.26%12.24%16.06%19.69%Beats 91%5 / 57
Total Risk-Based Capital Ratio27.26%12.54%16.50%20.95%Beats 91%5 / 57
Equity / Assets25.64%9.37%11.56%15.00%Beats 95%3 / 57
Liquidity & Funding
Loans / Deposits82.29%66.29%85.59%95.16%46th pctl31 / 57
Loans / Assets59.45%57.07%71.07%78.13%32nd pctl39 / 57
Brokered Deposits / Depositsn/aNot reported for this institution