Hoyne Bancorp (NASDAQ: HYNE) is an Illinois-chartered savings bank holding company that operates Hoyne Savings Bank, a community savings institution established in 1887. The company earns revenue primarily through net interest income, the spread between interest earned on loans and investment securities and interest paid on deposits. Hoyne Savings Bank's loan portfolio totaled $276.3 million as of December 31, 2025, against total assets of $489.4 million. Deposit funding relies on certificates of deposit, savings accounts, checking accounts, and money market accounts. Hoyne Bancorp completed its mutual-to-stock conversion on December 3, 2025, selling 7,935,000 shares at $10.00 per share for gross proceeds of approximately $79.4 million and net proceeds of $75.7 million after $3.7 million in commissions and expenses. Non-performing loans were 0.16% of total loans as of December 31, 2025, down from 0.67% as of December 31, 2024. The company is a smaller reporting company and classifies itself on the Nasdaq Capital Market.

Revenue model

Net interest income from loans and investment securities, funded by customer deposits. Secondary revenue from customer service fees and occasional gains on sale of real estate owned. Interest income sources include residential mortgage loans, commercial real estate loans, home equity lines of credit, and investment securities.

Products and services

Residential mortgage loans (one-to-four family), home improvement loans (first mortgage), home equity lines of credit, commercial real estate loans, commercial and industrial loans, commercial construction loans, commercial lines of credit, purchased loan participations. Deposit products include certificates of deposit, savings accounts, checking accounts, and money market accounts.

Customers and end markets

Retail and small business customers in the Illinois market. Deposit customers primarily hold certificates of deposit, totaling $161.2 million in contractual obligations as of December 31, 2025. End markets include residential real estate borrowers and commercial real estate borrowers.

Value-chain role

Community savings bank and holding company. Accepts retail deposits and originates mortgage and commercial loans. Holds investment securities available-for-sale and held-to-maturity. Subject to Illinois state banking regulation and federal oversight including FDIC capital requirements.

Geographic exposure

Illinois-chartered institution. Principal operations in Illinois. No specific multi-state or international footprint supported by filing excerpts.

Source: SEC 10-K, filed 2026-03-26

Industry: Savings Institutions, Not Federally Chartered