Hoyne Bancorp, Inc.

Hoyne Bancorp, Inc. is a newly formed Delaware bank holding company created in connection with the conversion of Hoyne Savings, MHC. It is intended to own Hoyne Savings Bank, an Illinois-chartered savings bank headquartered in Chicago that originates commercial real estate, commercial and industrial, residential mortgage, and home equity loans through a local branch network.

— Hoyne Bancorp, Inc.
%
Commercial lending45% Loans to businesses and property investors, including commercial real estate and C&I credit.
Residential mortgage lending25% One- to four-family mortgage loans and related consumer housing credit.
Consumer home equity lending10% Home equity loans and related consumer secured borrowing products.
Deposit and funding services20% Core deposit accounts, certificates of deposit, and network-based funding solutions.

Hoyne serves local businesses, property owners, and households in its Chicago-area market...

  • Commercial real estate borrowersprimary

    They borrow for commercial property acquisition, development, and construction because Hoyne offers relationship-based local credit.

  • Commercial and industrial borrowersprimary

    Operating businesses use C&I loans for working capital, equipment, and growth financing.

  • Residential mortgage borrowerssecondary

    Households buy or refinance one- to four-family homes through the bank's mortgage lending channel.

  • Deposit customersprimary

    Individuals and businesses place deposits and CDs with the bank for safety, convenience, and relationship banking.

  • Home equity borrowerssecondary

    Homeowners use secured home equity credit for liquidity and consumer financing needs.

Hoyne's business is concentrated in Cook County, Illinois, with headquarters in Chicago and six full-service banking...

  • •Headquartered in Chicago, Illinois
  • •Six full-service banking offices in Cook County
  • •One loan production office in Cook County
  • •Business is concentrated in the Chicago-area market
  • •No disclosed country-level revenue split in the filing

Hoyne's strategy is to expand its local franchise while preserving strong liquidity and capital...

01
Local market expansionmedium-term

Growth depends on increasing share in the Chicago-area community banking market.

02
Technology and delivery-channel investmentmedium-term

Better digital and operational capabilities improve customer service and competitiveness.

03
Liquidity and funding disciplineshort-term

Stable funding supports loan growth and reduces reliance on volatile sources.

04
Capital preservationshort-term

Strong capital supports regulatory compliance and balance-sheet flexibility.

Hoyne is exposed to credit risk from commercial real estate and C&I lending, where borrower performance and collateral...

high

Commercial real estate credit deterioration

A large share of lending is tied to property values and borrower cash flow, which can weaken in a downturn.

Scope
Commercial real estate and commercial construction portfolio
Materiality
high
high

Local economic concentration

Operations are concentrated in Cook County, so regional recession, unemployment, or real estate stress would affect loan demand and credit quality.

Scope
Chicago-area market
Materiality
high
medium

Deposit funding competition

Community banks compete for CDs and core deposits, which can raise funding costs and reduce retention.

Scope
Certificates of deposit and local deposit base
Materiality
medium
medium

Cybersecurity and operational disruption

Banking depends on secure systems, third-party providers, and uninterrupted customer access.

Scope
Technology and infrastructure
Materiality
medium
medium

Conversion and integration execution

The mutual-to-stock conversion changes governance and ownership structure and may create operational complexity.

Scope
Corporate conversion and post-conversion operating model
Materiality
medium
Allowance for credit losses
Can materially change earnings and capital ratios
Loan valuation and collateral assumptions
Affects reserve levels and potential charge-offs
Emerging growth company transition
May reduce comparability with peer banks

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: 28/04/2026