| Metric | Hoyne Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.4% | +1.5 pts |
| Deposit growth (YoY) | -6.3% | +4.0% | -10.2 pts |
| Loan growth (YoY) | +14.1% | +5.6% | +8.5 pts |
| ROA | 0.18% | 1.24% | -1.1 pts |
| ROE | 0.7% | 11.9% | -11.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $479.9M | $346.7M | $282.4M | $123.1M | $431K | 0.18% | 3.92% | 0.35% |
| Q1 2026 | $477.8M | $345.6M | $288.8M | $122.7M | $55K | 0.05% | 3.72% | 0.28% |
| Q4 2025 | $490.0M | $357.3M | $269.3M | $122.8M | $1.6M | 0.35% | 3.35% | 0.38% |
| Q3 2025 | $454.7M | $369.2M | $249.4M | $82.3M | $682K | 0.20% | 3.19% | 0.38% |
| Q2 2025 | $453.3M | $370.0M | $247.5M | $80.8M | $385K | 0.17% | 3.13% | 0.35% |
| Q1 2025 | $465.4M | $382.4M | $244.8M | $79.6M | $-13K | -0.01% | 3.00% | 0.38% |
| Q4 2024 | $450.9M | $369.9M | $241.0M | $77.4M | $-1.6M | -0.36% | 2.41% | 0.40% |
| Q3 2024 | $437.2M | $354.9M | $214.5M | $79.0M | $-2.3M | -0.68% | 2.27% | 0.36% |
Loan mix (Q2 2026): real estate $257.1M · commercial $29.3M · consumer $37K · securities $126.8M
| Ratio | Hoyne Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 62.9% | 94th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Hoyne Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Hoyne Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Hoyne Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Hoyne Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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