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 | |