Hoyne Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 111.50 percentage points lower than in Q1 2026, at 263.10%. Hoyne Savings Bank ranks 290th of 323 Illinois banks on return on assets, in the lower half at 0.32% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Hoyne Savings Bank reported 0.32% on return on assets in Q2 2026, 0.93 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 27.26% |
| Equity capital to assets | 25.64% |
| Tangible equity to tangible assets | 25.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.47% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 263.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.32% |
| Return on equity | 1.22% |
| Net interest margin | 4.24% |
| Efficiency ratio | 86.22% |
| Yield on earning assets | 5.07% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.29% |
| Core deposits to total deposits | 90.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 72.25% |
| Securities to assets | 26.42% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 20.72% | -0.07% | 2.26% | 1.00% | 0.00% |
| Q4 2023 | 20.38% | 1.25% | 2.26% | 1.02% | 0.00% |
| Q1 2024 | 20.37% | -0.84% | 2.04% | 0.77% | 0.00% |
| Q2 2024 | 20.63% | -0.65% | 2.20% | 0.77% | 0.00% |
| Q3 2024 | 20.61% | -0.58% | 2.45% | 0.81% | 0.00% |
| Q4 2024 | 19.86% | 0.58% | 3.09% | 0.75% | -0.01% |
| Q1 2025 | 18.95% | -0.01% | 3.24% | 0.43% | -0.03% |
| Q2 2025 | 19.99% | 0.35% | 3.53% | 0.35% | -0.01% |
| Q3 2025 | 20.23% | 0.27% | 3.68% | 0.40% | 0.00% |
| Q4 2025 | 24.79% | 0.73% | 3.93% | 0.48% | 0.00% |
| Q1 2026 | 27.81% | 0.05% | 4.33% | 0.26% | 0.00% |
| Q2 2026 | 27.26% | 0.32% | 4.24% | 0.39% | 0.00% |
Hoyne Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hoyne Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hoyne Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28747) · FFIEC NIC profile (RSSD 447070)