HOYNE SAVINGS BANK

CHICAGO, IL | Small | Est. Jan. 1, 1887, midnight | FDIC #28747 | RSSD #447070 | FDIC
Latest Report: 2025-12-31

HOYNE SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CHICAGO, IL, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $490M and total deposits of $357M. Profitability stands at 0.68% ROA and 3.15% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 25.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 1.50%. FDIC Certificate #28747.

Assets

$490M

Deposits

$357M

Loans

$272M

Equity

$123M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 3.15%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.16%
Cost of Funds 1.51%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.50%
NPA Ratio 0.38%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 25.02%
Tier 1 Capital 25.02%
Total Capital Ratio 26.27%
Leverage Ratio 24.81%
Loan-to-Deposit 76.14%

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