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Hoyne Bancorp, Inc.
HYNECIK 0002073153NasdaqEmerging GrowthSavings Institutions, Not Federally CharteredDelawareFY ends Dec 31
Period
FY 2025
Revenue
—
Net Income
$232.7K
Total Assets
$489.38M
Equity
$161.37M
Shares Out
8.10M
Op. Cash Flow
$1.25M
Business
Hoyne Bancorp, Inc. is a savings and loan holding company that owns Hoyne Savings Bank, an Illinois-chartered savings bank established in 1887. Hoyne Savings Bank provides traditional banking services including residential mortgage loans, commercial real estate loans, commercial and industrial loans, and deposit accounts through six full-service branch offices and a loan production office in the Chicago metropolitan area. The bank serves customers primarily in Cook County, Illinois, and adjacent communities through a diversified loan portfolio and core deposit gathering.
Summary from 10-K filed 2026-07-01
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 |
|---|---|---|---|
| Loans receivable | 16 | 12 | |
| Investment securities | 3 | 4 | |
| Other | 1 | 1 | |
| Total interest income | 20 | 17 | |
| Interest expense, deposits | −6 | −7 | |
| Net interest income | 14 | 10 | |
| Provision for credit losses | −540,000 | −468,000 | |
| Net interest income after provision for credit losses | 14 | 9 | |
| Customer service fees | 190,118 | 323,466 | |
| Gain on sale of REO | 345,258 | 118,750 | |
| Other | 684,460 | 637,672 | |
| Total noninterest income | 1 | 1 | |
| Compensation | −6 | −7 | |
| Occupancy | −3 | −3 | |
| Advertising | −95,475 | −61,975 | |
| Amortization of core deposit intangible | −184,000 | −184,000 | |
| Contribution to charitable foundation | −2 | — | |
| Other | −4 | −3 | |
| Total noninterest expense | −15 | −13 | |
| Income (Loss) before income taxes | 8,921 | −3 | |
| Tax Expense (benefit) | −223,769 | −1 | |
| Net income (loss) | 232,690 | −2 | |
| Earnings per share - basic | 0.03 | — | |
| Earnings per share - diluted | 0.03 | — | |
| Weighted-average shares outstanding - basic | 7 | — | |
| Weighted-average shares outstanding - diluted | 7 | — | |
| Unrealized gain on securities available-for-sale, net of income taxes of $1,996,316 in 2025, $11,392 in 2024 | 5 | 28,572 | |
| Total other comprehensive income | 5 | 28,572 | |
| Comprehensive income (loss) | 5 | −2 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 |
|---|---|---|---|---|
| Cash and cash equivalents | 48 | 15 | — | |
| Certificates of deposit | 870,000 | 1 | — | |
| Available-for-sale, (amortized cost of $121,879,182 and $138,780,879 at December 31, 2025 and 2024, respectively) | 107 | 117 | — | |
| Held-to-maturity, at amortized cost | 28 | 34 | — | |
| Federal Home Loan Bank of Chicago stock (FHLB) | 1 | 1 | — | |
| Bankers Bank stock | 992,250 | 992,250 | — | |
| Real Estate Owned (REO) | 729,427 | 138,900 | — | |
| Loans receivable, net of allowance for credit losses of $2,681,819 and $2,125,993 at December 31, 2025 and 2024, respectively | 268 | 241 | — | |
| Premises and equipment, net | 7 | 8 | — | |
| Accrued interest receivable | 1 | 1 | — | |
| Bank-owned life insurance (BOLI) | 15 | 17 | — | |
| Core deposit intangibles | 138,000 | 322,000 | — | |
| Deferred tax assets | 9 | 11 | — | |
| Other assets | 2 | 2 | — | |
| Total assets | 489 | 450 | — | |
| Deposits | 322 | 357 | — | |
| Advances from borrowers for taxes and insurance | 3 | 3 | — | |
| Accounts payable and accrued expenses | 3 | 4 | — | |
| Total liabilities | 328 | 364 | — | |
| Preferred stock, $0.01 par value, 500,000 shares authorized, none issued | — | — | — | |
| Common stock, $0.01 par value, 9,500,000 shares authorized, 8,096,938 issued and outstanding | 80,969 | — | — | |
| Unallocated common stock - ESOP | −6 | — | — | |
| Additional paid-in capital | 77 | — | — | |
| Retained earnings | 101 | 102 | — | |
| Accumulated other comprehensive loss | −11 | −16 | — | |
| Total stockholders' equity | 161 | 86 | 88 | |
| Total liabilities and stockholders' equity | 489 | 450 | — |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 |
|---|---|---|---|
| Net Income (loss) | 232,690 | −2 | |
| Depreciation | 643,450 | 680,868 | |
| Accretion of premiums and discounts | −154,869 | −246,727 | |
| Accretion of Loan credit and yield adjustment | −40,987 | −38,349 | |
| Gain on sale of REO | −345,258 | −118,750 | |
| Increase in cash surrender value of BOLI | −656,124 | −571,020 | |
| ESOP compensation expense | 29,575 | — | |
| Change in other assets | −44,519 | 16,749 | |
| Change in accrued interest receivable | 30,989 | −212,508 | |
| Deferred income tax benefit | −556,360 | −1 | |
| Contribution to charitable foundation | 2 | — | |
| Change in accounts payable and accrued expenses | −486,873 | 259,100 | |
| Net cash flows from operating activities | 1 | −3 | |
| Purchase of BOLI | — | −14 | |
| Redemption from BOLI | 3 | 11 | |
| Merger of wholly owned subsidiaries | −567,362 | — | |
| Proceeds from maturities of certificates of deposit | 1 | 1 | |
| Purchase of certificates of deposit | −870,000 | −1 | |
| Proceeds from repayment of available-for-sale securities | 17 | 20 | |
| Repayment of held-to-maturity securities | 6 | 24 | |
| Change in loans receivable | −28 | −51 | |
| Proceeds from sale of REO | 484,158 | 318,750 | |
| Purchase of premises and equipment | −1 | −978,347 | |
| Purchase of Bankers Bank stock | — | −992,250 | |
| Net cash flows from investing activities | −3 | −12 | |
| Change in deposit accounts | −36 | 4 | |
| Change in advances from borrowers for taxes and insurance | 307,055 | 667,301 | |
| Proceeds from stock offering | 79 | — | |
| Stock offering costs | −4 | — | |
| Purchase of ESOP shares | −6 | — | |
| Net cash flows from financing activities | 34 | 5 | |
| Net change in cash and cash equivalents | 32 | −9 | |
| Cash paid during the year for Interest | 6 | 7 | |
| Taxes paid during the period | — | 50,000 | |
| Premises and Equipment transferred to ORE | 729,427 | 138,900 |
Filings
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Frequently asked questions
What is Hoyne Bancorp, Inc.'s CIK number?
Hoyne Bancorp, Inc.'s SEC CIK number is 0002073153 (2073153). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Hoyne Bancorp, Inc.'s SEC filings?
All of Hoyne Bancorp, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.