In November 2025, Hoyne Bancorp announced member approval of its plan of conversion, funding of the foundation, and the expected closing date of the conversion and stock offering.

• Hoyne Bancorp announced member approval of its plan of conversion, funding of the foundation, and expected closing date of conversion and stock offering in November 2025 [N1].

Hoyne Bancorp’s established local presence and diversified loan portfolio, including a growing share of commercial real estate and industrial loans, provide a foundation for stable operations. The company’s recent successful stock offering has provided capital to support its business activities. Its focus on customer service and community engagement may help maintain customer loyalty in a competitive market. The bank’s strategy of balancing loan retention and sales aims to optimize profitability and risk management.

The company operates in a highly competitive market with larger financial institutions and non-depository entities that have greater financial resources. Regulatory limitations on dividends from the bank may constrain cash flow to the holding company. The company’s relatively recent conversion to a stock form of ownership and limited operating history as a holding company may present execution risks. Changes in economic conditions, interest rates, or credit quality could adversely affect loan performance and financial results.

Hoyne Bancorp benefits from a long-standing local presence with 138 years of history in the Cook County market, providing familiarity with local communities and customer bases. Its focus on customer service, bilingual staff, and community involvement supports customer retention. The company’s regulatory status as a savings and loan holding company and its diversified loan portfolio, including residential and commercial real estate loans, contribute to its competitive positioning. However, it faces significant competition from larger banks and non-depository financial institutions, which may limit its market share expansion.

• Competitive Pressure: Hoyne Bancorp faces significant competition from larger banks, credit unions, mortgage companies, and non-depository financial institutions, which may impact its ability to attract deposits and originate loans.
• Regulatory Constraints: As a savings and loan holding company, the company is subject to regulatory oversight and limitations, including restrictions on dividends from Hoyne Savings Bank, which may affect cash flow.
• Credit Risk: The loan portfolio includes residential and commercial real estate loans, some of which are non-conforming, exposing the company to credit risk and potential loan losses.
• Market and Economic Conditions: Changes in economic conditions, interest rates, and real estate markets in the Chicago metropolitan area could impact loan demand, credit quality, and overall financial performance.
• Operational Risks: The company’s recent conversion and limited history as a holding company may present operational and execution risks, including integration of staff and systems.

• Hoyne Bancorp, Inc. is a Delaware corporation incorporated in June 2025 and completed its conversion to a stock form of ownership on December 3, 2025, becoming a savings and loan holding company regulated by the Federal Reserve Board [S1].
• The company owns all outstanding shares of Hoyne Savings Bank, an Illinois-chartered stock savings bank established in 1887, focused on serving customers in Cook County, Illinois, and adjacent communities within the Chicago metropolitan area [S1].
• Hoyne Bancorp completed a stock offering in connection with the conversion, selling 7,935,000 shares at $10.00 per share for gross proceeds of approximately $79.4 million [S1].
• The company’s common stock began trading on the Nasdaq Capital Market under the ticker 'HYNE' on December 4, 2025 [S1].
• Hoyne Bancorp’s cash flow depends on earnings from investment of the net proceeds of the stock offering and dividends from Hoyne Savings Bank, which is subject to regulatory dividend limitations [S1].
• Hoyne Bancorp does not own or lease property and employs only officers who are also officers of Hoyne Savings Bank, using the bank’s support staff as needed [S1].
• Hoyne Savings Bank operates six full-service banking facilities in Cook County, Illinois, including Chicago, Oak Lawn, Wheeling, Worth, and a loan production office in Oak Park [S1].
• The bank’s market area is Cook County, the most populous county in Illinois and the second most populous in the U.S., serving the broader Chicago-Naperville-Elgin metropolitan area [S1].
• The bank faces significant competition from larger commercial banks, savings banks, credit unions, mortgage companies, and non-depository financial institutions such as brokerage firms and insurance companies [S1].
• Hoyne Savings Bank has a 138-year history in the market, with a focus on customer service, bilingual staff, and community involvement including financial literacy investments [S1].
• The bank has optimized its branch network recently, closing some branches and consolidating others to adapt to changing banking habits [S1].
• As of December 31, 2025, Hoyne Savings Bank had total assets of $489.4 million, total loans of $267.9 million, total deposits of $321.6 million, and stockholders’ equity of $161.4 million [S1].
• The loan portfolio is diversified, with 56.2% commercial real estate (including commercial construction) and commercial and industrial loans as of December 31, 2025, and the remainder primarily one to four residential mortgage loans and home equity loans [S1].
• The bank originates loans primarily from existing customers and new customers via referrals and advertising, with applications accepted in branches or online for residential and consumer loans [S1].
• One to four residential mortgage loans are underwritten to conform generally to Freddie Mac and Fannie Mae standards, with some non-conforming loans due to borrower or property factors [S1].
• The bank sells a significant portion of fixed-rate one to four residential mortgage loans on a servicing released basis, balancing holding loans for investment and selling based on profitability and risk management [S1].
• Hoyne Bancorp’s net income for the quarter ended June 30, 2026 was $96,000 with basic and diluted EPS of $0.01 per share [S2].
• The company’s total assets as of June 30, 2026 were approximately $480 million, with deposits of about $312 million and stockholders’ equity of approximately $161 million [S2].
• The company’s consolidated financial statements reflect normal recurring adjustments and are prepared in accordance with U.S. GAAP [S2].
• The company’s segment is primarily banking operations, evaluated by consolidated net income and total consolidated assets [S2].
• Hoyne Bancorp announced member approval of its plan of conversion, funding of the foundation, and expected closing date of conversion and stock offering in November 2025 [N1].