Chicago, IL · Cert 28747 · Hoyne Bcorp Inc.
SI · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
92
Asset Quality
75
Profitability
27
Liquidity
89
Efficiency
16
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.
Chicago, IL · Cert 28747 · Hoyne Bcorp Inc.
SI · FDIC · 7 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #80 of 147 inst. · $0.3B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.68% | -0.36% | -0.01% | 0.17% | 0.20% | 0.35% | 0.05% | 0.18% | +1 bps | |
| Return on Equity | -3.90% | -2.07% | -0.07% | 0.97% | 1.14% | 1.83% | 0.18% | 0.70% | -27 bps | |
| Net Interest Margin | 2.15% | 2.17% | 2.65% | 2.90% | 2.98% | 2.76% | 3.44% | 3.70% | +80 bps | |
| Efficiency Ratio | 123.51% | 117.99% | 96.97% | 89.09% | 87.58% | 82.33% | 94.12% | 89.95% | +86 bps | |
| Non-Interest Burden | 2.72% | 2.63% | 2.59% | 2.59% | 2.60% | 2.26% | 3.24% | 3.31% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.66% | 1.57% | 4.92% | 2.54% | 4.01% | 8.67% | 2.65% | 5.87% | +332 bps | |
| Loan Growth (YoY) | 16.10% | 26.38% | 22.89% | 24.33% | 16.40% | 11.89% | 18.06% | 14.16% | -1,018 bps | |
| Deposit Growth (YoY) | -5.80% | 1.35% | 5.38% | 2.14% | 4.05% | -3.41% | -9.62% | -6.29% | -843 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.73% | 0.68% | 0.36% | 0.29% | 0.33% | 0.42% | 0.21% | 0.34% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 0.93% | 0.87% | 0.92% | 0.97% | 1.01% | 0.99% | 0.97% | 1.03% | +7 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 2.6x | 3.3x | 3.0x | 2.3x | 4.7x | 3.0x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.61% | 19.86% | 18.95% | 19.99% | 20.23% | 24.79% | 27.81% | 27.26% | +727 bps | |
| Total Risk-Based Capital | 20.61% | 19.86% | 18.95% | 19.99% | 20.23% | 24.79% | 27.81% | 27.26% | +727 bps | |
| Equity / Assets | 18.06% | 17.16% | 17.11% | 17.83% | 18.10% | 25.07% | 25.69% | 25.64% | +781 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.00% | 65.73% | 64.60% | 67.56% | 68.24% | 76.14% | 84.39% | 82.29% | +1,474 bps | |
| Liquid Assets / Assets | 12.76% | 11.12% | 13.47% | 11.87% | 12.16% | 15.50% | 8.62% | 11.00% | -87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 148.69% | 115.27% | 121.77% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.51% | 0.84% | 1.19% | Beats 14% | 49 / 57 | ||
| Return on Equity | 0.70% | 3.13% | 7.76% | 11.40% | Beats 14% | 49 / 57 | ||
| Net Interest Margin | 3.70% | 3.16% | 3.63% | 4.08% | Beats 54% | 26 / 57 | ||
| Efficiency Ratio | 90.94% | 59.57% | 69.70% | 81.06% | Beats 16% | 49 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.06% | 0.34% | 1.78% | Beats 50% | 29 / 56 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.26% | 12.24% | 16.06% | 19.69% | Beats 91% | 5 / 57 | ||
| Total Risk-Based Capital Ratio | 27.26% | 12.54% | 16.50% | 20.95% | Beats 91% | 5 / 57 | ||
| Equity / Assets | 25.64% | 9.37% | 11.56% | 15.00% | Beats 95% | 3 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.29% | 66.29% | 85.59% | 95.16% | 46th pctl | 31 / 57 | ||
| Loans / Assets | 59.45% | 57.07% | 71.07% | 78.13% | 32nd pctl | 39 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||