Hoyne Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hoyne Savings Bank of Chicago, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.32% | 1.35% | -1.03% | 9th bottom |
| ROAE | 1.22% | 12.06% | -10.84% | 6th bottom |
| Net Interest Margin | 4.24% | 3.90% | +0.34% | 67th above |
| Efficiency Ratio | 86.22% | 63.14% | +23.08% | 9th bottom |
| PPNR / Avg Assets | 0.54% | 1.64% | -1.10% | 9th bottom |
| Yield on Earning Assets | 5.07% | 5.65% | -0.58% | 26th below |
| Cost of Funds | 1.07% | 1.85% | -0.78% | 89th top |
| Net Interest Spread | 3.88% | 3.35% | +0.53% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.92% | -0.53% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.67% | -0.28% | 45th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 263.10% | 1645.73% | -1382.63% | 56th above |
| Texas Ratio | 1.47% | 7.15% | -5.68% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 27.26% | 12.46% | +14.80% | 98th top |
| Equity / Assets | 25.64% | 11.67% | +13.97% | 98th top |
| TCE / Tangible Assets | 25.63% | 11.40% | +14.23% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.29% | 78.64% | +3.65% | 46th below |
| Core Deposit Ratio | 90.32% | 87.09% | +3.23% | 56th above |
| Wholesale Funding Ratio | 1.35% | 5.12% | -3.77% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.87% | 6.47% | -0.60% | 61st above |
| Loan Growth (Y/Y) | 14.16% | 7.64% | +6.52% | 84th top |
| Deposit Growth (Y/Y) | -6.29% | 6.03% | -12.32% | 5th bottom |
See Hoyne Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hoyne Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hoyne Savings Bank profile, how to read a UBPR, or how this data updates.