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
Unfavorable gap of $15.6M · efficiency ratio beats 16% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |