TellerScore

Hoyne Savings Bank (FDIC certificate #28747) is based in Chicago, Illinois. Its Q2 2026 call report shows $479.9M in total assets and $346.7M in deposits and 7 offices.

Based on its Q2 2026 filing, Hoyne Savings Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 71st. Its strongest component is capital cushion (100/100; 27.26%), and its lowest is earnings (27/100; 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 27.26%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 81.4% · 18.5% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (81 → 79), mostly because the funding & liquidity component weakened by 18 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202474
Q1 202580
Q2 202581
Q3 202581
Q4 202580
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%16.41%27.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.63%
Q3 202420.61%
Q4 202419.86%
Q1 202518.95%
Q2 202519.99%
Q3 202520.23%
Q4 202524.79%
Q1 202627.81%
Q2 202627.26%
Noncurrent loans
0.21%0.47%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.68%
Q3 20240.73%
Q4 20240.68%
Q1 20250.36%
Q2 20250.29%
Q3 20250.33%
Q4 20250.42%
Q1 20260.21%
Q2 20260.34%
Return on assets
-0.73%-0.19%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.73%
Q3 2024-0.68%
Q4 2024-0.36%
Q1 2025-0.01%
Q2 20250.17%
Q3 20250.20%
Q4 20250.35%
Q1 20260.05%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$479.9M27.26%0.34%0.18%81.4%
Q1 202679$477.8M27.81%0.21%0.05%83.6%
Q4 202580$490.0M24.79%0.42%0.35%75.4%
Q3 202581$454.7M20.23%0.33%0.20%67.6%
Q2 202581$453.3M19.99%0.29%0.17%66.9%
Q1 202580$465.4M18.95%0.36%-0.01%64.0%
Q4 202474$450.9M19.86%0.68%-0.36%65.2%
Q3 202474$437.2M20.61%0.73%-0.68%60.4%
Q2 202474$442.1M20.63%0.68%-0.73%55.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio27.26%
99th
Total risk-based capital0.00%
24th
Problem loans0.34%
54th
Net charge-offs0.00%
68th
Return on assets0.18%
5th
Net interest margin3.92%
49th
Efficiency ratio89.9%
6th
Loans to deposits81.4%
46th
Uninsured deposits18.5%
70th
Loan-loss reserves1.03%
30th
Texas ratio1.3%
65th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Sterling Federal Bank, F.S.B.Bank Sterling, IL20 out of 100, Low$481.6M7.7%6.26%vs
American Eagle BankBank South Elgin, IL55 out of 100, Moderate$484.7M8.5%0.04%vs
First National Bank in OlneyBank Olney, IL64 out of 100, Moderate$469.3M10.8%1.60%vs
Solutions BankBank Forreston, IL67 out of 100, Moderate$491.6M8.8%0.49%vs
Casey State BankBank Casey, IL70 out of 100, Strong$496.7M11.0%1.02%vs
The FNB Community BankBank Vandalia, IL76 out of 100, Strong$498.9M12.6%0.78%vs

Deposit insurance

Is my money safe at Hoyne Savings Bank?

Yes. Hoyne Savings Bank is an FDIC-insured institution (FDIC certificate #28747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.5% of deposits ($64.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 27.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Hoyne Savings Bank lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hoyne Savings Bank reported 56 home-loan applications under HMDA (LEI 549300B92DSVIKGP5T53): 49 originated ($17,645,000 total), 1 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Hoyne Savings Bank
Former names
Hoyne Savings and Loan Association
Type
SI
FDIC certificate #
28747
RSSD ID
447070
Primary regulator
FDIC
Holding company
Hoyne Bcorp Inc
Established
January 1, 1887
Headquarters
4786 N Milwaukee Ave, Chicago, IL 60630
Employees
65

Quick answers

Hoyne Savings Bank: common questions

Is Hoyne Savings Bank FDIC insured?

Yes. Hoyne Savings Bank is an FDIC-insured institution (FDIC certificate #28747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hoyne Savings Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hoyne Savings Bank ever failed?

There is no failure record for FDIC certificate #28747 in the FDIC failed bank list.

How many branches does Hoyne Savings Bank have?

7 offices as of the latest FDIC data.

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