Hoyne Savings Bank: how it compares with its peers
Against 119 IL banks with half to twice its assets, Hoyne Savings Bank's strongest measure in Q2 2026 is net interest margin (3.92% vs. a 3.67% peer median). Its weakest relative measure is return on assets (0.18% vs. 1.14%).
| Measure | Hoyne Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.18% | 1.14% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.67% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 89.95% | 62.75% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $7.2M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.44% | 77.42% | Context |
What it means for lending operations
Its efficiency ratio of 89.95% is above the 62.75% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sterling Federal Bank, F.S.B. Sterling, IL · $482M
- American Eagle Bank South Elgin, IL · $485M
- First National Bank in Olney Olney, IL · $469M
- Solutions Bank Forreston, IL · $492M
- Casey State Bank Casey, IL · $497M
- The FNB Community Bank Vandalia, IL · $499M
Questions about Hoyne Savings Bank
How big is Hoyne Savings Bank?
Hoyne Savings Bank, established in 1887, is headquartered in Chicago, IL. It reported $480M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Hoyne Savings Bank's return on assets?
0.18% annualized in Q2 2026, against a 1.14% median for 119 IL banks with half to twice its assets, ahead of 5% of them.
What is Hoyne Savings Bank's efficiency ratio?
89.95% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 62.75%, and lower is better.
Is Hoyne Savings Bank growing its loans?
Net loans grew 14.1% over the year to Q2 2026, while deposits shrank 6.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.