# HOYNE SAVINGS BANK
CHICAGO, IL · FDIC certificate 28747 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $479.9M | |
| Deposits | $346.7M | |
| Loans and leases | $285.3M | |
| Total equity | $123.1M | |
| Loans / deposits | 81.44% (p49 of band) | 82.04% |
| Liquid assets / assets | 32.26% (p70 of band) | |
| Uninsured deposits / deposits | 18.47% (p23 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.35% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 27.26% (p99 of band) | 10.81% |
| Unrealized securities loss / equity | -14.83% (p32 of band) | -8.10% |
| AOCI / equity | -0.32% (p51 of band) | |
| ROA (annualized) | 0.18% (p5 of band) | 1.28% |
| Net interest margin | 3.92% (p51 of band) | 3.91% |
| Efficiency ratio | 89.95% (p95 of band) | |
| Noncurrent loans | 0.34% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 303.70% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 40.27% (p47 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | charge-offs p90 |  |
| 2012-06 | 2 |  | charge-offs p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | capital falling, expense ratio p90 |  |
| 2013-06 | 5 | noncurrent p90 |  |
| 2013-09 | 2 |  | losing money, capital falling, noncurrent p90 |
| 2013-12 | 3 | noncurrent p90 |  |
| 2014-03 | 4 | losing money, charge-offs p90 | noncurrent p90 |
| 2014-06 | 4 | noncurrent p90 | charge-offs p90 |
| 2014-09 | 3 |  | noncurrent p90 |
| 2014-12 | 4 | noncurrent p90 |  |
| 2015-03 | 5 | NIM <2.5%, charge-offs p90 | noncurrent p90 |
| 2015-06 | 5 |  |  |
| 2015-09 | 6 | capital falling |  |
| 2015-12 | 6 |  |  |
| 2016-03 | 5 |  | charge-offs p90 |
| 2016-06 | 5 |  |  |
| 2016-09 | 4 |  | capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 | capital falling | reserve under noncurrent |
| 2017-06 | 5 | reserve under noncurrent |  |
| 2017-09 | 3 |  | NIM <2.5%, capital falling |
| 2017-12 | 4 | NIM <2.5% |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 | deposits shrinking, assets shrinking | losing money, NIM <2.5% |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | reserve under noncurrent |
| 2019-03 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2019-06 | 3 | NIM <2.5% |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | expense ratio p90 |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | assets shrinking |  |
| 2022-09 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90, deposits shrinking | reserve under noncurrent |
| 2022-12 | 6 |  | NIM <2.5% |
| 2023-03 | 4 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 6 | losing money | noncurrent p90 |
| 2023-12 | 5 |  | losing money |
| 2024-03 | 8 | capital falling, losing money, NIM <2.5%, uninsured deposits leaving | reserve under noncurrent |
| 2024-06 | 4 |  | assets shrinking, deposits shrinking, capital falling, uninsured deposits leaving |
| 2024-09 | 4 | deposits shrinking | securities losses >30% of equity |
| 2024-12 | 5 | capital falling, securities losses >30% of equity | deposits shrinking |
| 2025-03 | 3 |  | NIM <2.5%, securities losses >30% of equity |
| 2025-06 | 1 |  | losing money, capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | expense ratio p90 |
| 2026-03 | 2 | expense ratio p90, deposits shrinking |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-03 [HOYNE BANCORP, INC. ANNOUNCES CLOSING OF CONVERSION AND STOCK OFFERING - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNWE9fa2hhVHJpMWQ3U0drVWF6dXZSRlV1NGp3Nk9EZ0tHcHdUcExhQkh0UUtfN3NqeERDTzBzYWJuVHVHSGhfSU1iS0ZVLUwtVm4xZy1vMTNyMVFGamFWc3YyeWU2Nm41X1BndVZkQTM5VnMyMnFaTHhCNE1NUnE2WHd0R3R2VjlRWFNZY1B3TndQM3l6Q0pWYWhVNDNRdGMzNFJtZEVSZWlqUjNmdEpwT3FoX2ZTVDBmSFVfbXVyTThRdw?oc=5) · PR Newswire
- 2023-09-08 [Hoyne Savings Bank promotes Walter Healy to president - Southwest Regional Publishing](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQRUhITDRPN2JBbmQ4clVZeFhuS0JaV0ktT3huQ0gxSzkzajFDOVFfLUpaTTFaX0p2X0stZXRrbGpwLVp4VTlwUDl1eFctWVBXLVVzWnhBUWl2MjE3SlBfYlp1NTd2a29DcDV5SHh0dzNqYmp6Q3k2X3RIa2g2ZVdsbDBrbU5sX2VhS2ttb2hCSUZFWExJM1N5UVY1OV9MdGhwdkVUNGZQcDM?oc=5) · Southwest Regional Publishing
- 2025-06-17 [Hoyne Bancorp, Inc. Initial Public Offering of Common Stock - Yahoo Finance](https://news.google.com/rss/articles/CBMihAFBVV95cUxPUjRMYXNGQWd0eG9WRDQtbEM4OW5ZazNzaVBqdHVrNUVWT1lRb3BOYlhwWGJYZjNnOXRPZmc4c2hlNzRwUzQ0OERHNnlZZFNkVGZ3d2VSOGJGUGlkQzN5ZUJBMmFIWElMdDBGXzE5NU00cnhEQ0VsWl9WX0lHM1R6ai1RZnQ?oc=5) · Yahoo Finance
- 2023-02-03 [Hoyne Savings to merge with Loomis - nadignewspapers.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9lQmRUMmRvN1pLODA4VXF2TWEwZEdnWEZXWGVBV3pPbWc5NzFEcFY5YkV5XzByckNXS1BqNWRoQmN4SUJwNEsyblh5cUNDQzY3MC1vVDBlcU5qanJxNFRVM29rMTBXUWR2TGlSMFp2ejI?oc=5) · nadignewspapers.com
- 2023-09-05 [Hoyne Savings Bank In Oak Lawn Has New President - Patch](https://news.google.com/rss/articles/CBMihwFBVV95cUxPRG5wM3IycktVeG45aU1MNTYybWJZeENjS0p3WnRxTGxRMjNiU2VjbllhSjNWU0trX2VWU3p0cVhRX1VzbXhUQ3ZYM20zSkRleEU1RTNncDRaNEQ4cnhIUEthU29RT2Y2a3R1Q21iNE5mQ0UtdnJYMTVHWUFocjJRZFVRNlBwR00?oc=5) · Patch
- 2023-03-07 [Oak Park community banker banking on Oak Park - Wednesday Journal of Oak Park and River Forest](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQSFBFOGU2b25GVUF4elBELWU4MDNVWEFwV2oyNXNGcjFZeGdDVXJjY3JQbWtUejl3WEZOR0NNVjA4am9PcWE3Z05LekxQV2g1aG44T0lIc2FucTBsa3ozWkZ0TVZOUktCR0FWQ3A0SE5FS0xwZDd6M3o2QTVJQnhBa0pRU0d1U0c1?oc=5) · Wednesday Journal of Oak Park and River Forest
- 2025-09-17 [Developers secure funding and permit for office to residential conversion at 65 E. Wacker - Urbanize Chicago](https://news.google.com/rss/articles/CBMiswFBVV95cUxPLVV5ajF4TnV3ZnNDWmoxZUFQX3NPVVFDN1dSTVhwWWhraWl2TnJZdDhDNWNJMWNfU29tMGJTSXBoTW1jeU53cDVHZnRwMUhRT3RjNDhKaWUySWRnbHZveUxfdnJYME9VRXl1TGdxQzZWSV9OTlRhb3JrcG1sWHNqMU5xOFMyamF0MGVuc25hY2N6U3QyYjJzZDRPOUJyOE1peDB4WS1RZy1pdVhOY1YwMVFxZw?oc=5) · Urbanize Chicago
- 2025-09-17 [Mavrek, ACRES Receive Financing for Conversion of Chicago Office Building into 252 Apartment Units - REBusinessOnline](https://news.google.com/rss/articles/CBMixgFBVV95cUxPaHM2M2ZxbzlQTzlyUHR5ejJ3UDRxNHVQdXJNTnIteWtGYVFqQzZ3dTlzYmhvaWcyUGNTV3FtTGwzYWc4bmdQU2F2WVdrYmFxTjNGcXpGZEY5a1VZMFh1NmJ6eTY5UTNUUDJ0MmJDNlhBMmxKSF9oU0VIRV9iVmZEUnNmeDV1VUM0OEFZc2RQVTY4ckV3RzI0WlNsYXFQOXlkVWZEQnlLNWRBSUo1VnZ6VWJVTzE4SHJwYjQ1NlVvWDJvOVJMdHc?oc=5) · REBusinessOnline

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28747 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "28747", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide