Hoyne Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Hoyne Savings Bank is an FDIC-insured savings bank headquartered in Chicago, IL, established in 1887 (FDIC certificate 28747), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $479.9M, up 5.9% from Q2 2025, the 106th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 27.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28747
- Headquarters
- Chicago, IL
- Established
- 1887
- Total assets, Q2 2026
- $479.9M
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 27.26%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 271070908
- Latest call report
- Q2 2026, FFIEC 051 · Hoyne Savings Bank call report
- Holding company
- HOYNE BANCORP, INC.
- Asset rank in state
- 106th of 319 in Illinois
Hoyne Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $480 million at June 30, 2026, up 5.9% from a year earlier; it is based in Chicago, Illinois. It earns about $0.32 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 14.2% and deposits fell 6.3%. The multifamily book ($35 million) is worsening: 2.42% of it is past due or on nonaccrual, up from 1.12% a year earlier. One more trend to watch: delinquency has appeared in its $68 million non-owner-occupied commercial real estate book: 0.69% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Hoyne Savings Bank reported a return on assets of 0.32%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Hoyne Savings Bank is the 106th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $479.9M, loans fell 2.2% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.4% of total loans, followed by non-owner-occupied commercial real estate loans at 23.9%. The FDIC Summary of Deposits lists 7 offices for it, in 4 cities in IL; its Chicago 4 offices book 55% of its branch deposits. On its Q2 2026 call report, Hoyne Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4786 N Milwaukee Ave, Chicago, IL 60630
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $346.7M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $470.7M
- Average total loans
- $259.5M
- Average interest-bearing deposits
- $272.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28747
- Fed RSSD
- 447070
- SEC CIK
- 2073153 → filed by HOYNE BANCORP, INC.
- Website
- www.hoyne.bank →
- Parent Holding Company
- HOYNE BANCORP, INC. (RSSD 6052850) · HYNE
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Walter F Healy | CEO | President, CEO and Director |
| Thomas S. Manfre | CFO | EVP and CFO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Hoyne Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Hoyne Savings Bank's total assets moved between a low of $437.2M (Q3 2024) and a high of $490.0M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$479.9M total assets against $453.3M; $356.8M total liabilities against $372.5M.
$282.4M net loans and leases against $247.5M; $346.7M total deposits against $370.0M.
$126.8M securities against $142.9M; $28.0M cash and balances due against $24.7M.
$5.4M total interest income against $5.0M; $889K total interest expense against $1.6M.
$4.5M net interest income against $3.4M.
$387K total noninterest income against $219K; $4.3M total noninterest expense against $3.0M.
$135K provision for credit losses against $135K.
$376K net income against $398K.
0.32% return on assets against 0.35%; 4.24% net interest margin against 3.53%.
27.26% tier 1 leverage ratio against 19.99%.
Inside the full Hoyne Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHoyne Savings Bank rankings
Its closest position to the top of a national ranking is 1,832 of 4,196, for total assets; its furthest is 3,399 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.58% (Q3 2024) to 0.73% (Q4 2025) and its net interest margin ran from 2.45% (Q3 2024) to 4.33% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.26% | 0.32% | 0.34% | 1.35% | 4.24% |
| Q1 2026 | 27.81% | 0.05% | 0.21% | 1.06% | 4.33% |
| Q4 2025 | 24.79% | 0.73% | 0.42% | 1.50% | 3.93% |
| Q3 2025 | 20.23% | 0.27% | 0.33% | 2.02% | 3.68% |
| Q2 2025 | 19.99% | 0.35% | 0.29% | 1.92% | 3.53% |
| Q1 2025 | 18.95% | -0.01% | 0.36% | 2.15% | 3.24% |
| Q4 2024 | 19.86% | 0.58% | 0.68% | 2.26% | 3.09% |
| Q3 2024 | 20.61% | -0.58% | 0.73% | 1.97% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hoyne Savings Bank (main office) | Chicago , IL | 60630 | $105.8M |
| Harlem Avenue Branch | Worth , IL | 60482 | $95.5M |
| Hoyne Savings Bank - Austin Branch | Chicago , IL | 60638 | $66.2M |
| 699 W Dundee Rd Branch | Wheeling , IL | 60090 | $39.9M |
| Oak Lawn Branch | Oak Lawn , IL | 60453 | $21.3M |
| 7001 W Grand Ave Branch | Chicago , IL | 60707 | $17.9M |
| Main Office Drive-In Branch | Chicago , IL | 60630 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 17, 2020 | Structure Change | Acquired Hoyne Interim Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2017 | Structure Change | Acquired Prospect Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 31, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 31, 1981 | Structure Change | Acquired Allied Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 141 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 56 applications, 49 loans originated, $17.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $27K approved, $27K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hoyne Savings Bank
What are Hoyne Savings Bank's total assets?
As of the Q2 2026 filing, Hoyne Savings Bank reported total assets of $479.9 million in its FFIEC call report.
Where is Hoyne Savings Bank headquartered?
It is headquartered in Chicago, IL, United States.
When was Hoyne Savings Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Hoyne Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hoyne Savings Bank?
Hoyne Savings Bank's primary federal regulator is the FDIC.
How many branches does Hoyne Savings Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hoyne Savings Bank's Texas Ratio?
Its Texas Ratio is 1.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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