Hoyne Bancorp, Inc. is a savings and loan holding company incorporated in Delaware and headquartered in Oak Park, Illinois. The company's primary business activity is owning all of the outstanding shares of capital stock of Hoyne Savings Bank, an Illinois-chartered stock savings bank. Hoyne Bancorp, Inc. is regulated by the Board of Governors of the Federal Reserve System and operates under the authority to pursue permitted business activities, which may include acquisitions of banking and financial services companies. The company completed its conversion to stock form and offering on December 3, 2025, raising approximately $79.4 million in gross proceeds. Its cash flow depends on earnings from the investment of net offering proceeds and any dividends received from Hoyne Savings Bank, which are subject to regulatory limitations. Hoyne Bancorp, Inc. does not own or lease property and relies on shared officers and support staff from Hoyne Savings Bank for its operations.

Hoyne Bancorp, Inc. generates revenue primarily through earnings from the investment of the net proceeds of its stock offering and through dividends received from its subsidiary, Hoyne Savings Bank. The company does not engage in direct lending or deposit-taking activities; instead, it derives income from the financial performance of Hoyne Savings Bank. Revenue is influenced by the subsidiary's interest income from loans, service charges on deposit accounts, and gains from investment securities. Hoyne Savings Bank's earnings are affected by its loan portfolio composition, interest rate environment, and credit quality, which in turn impacts the dividends available to the parent company. The holding company has no independent revenue streams beyond those tied to its subsidiary's profitability.

The company operates through the following segments:

• Hoyne Savings Bank. This segment encompasses all banking activities conducted by the Illinois-chartered stock savings bank, including residential and commercial lending, deposit gathering, investment securities management, and related financial services. As of December 31, 2025, Hoyne Savings Bank reported total assets of $489.4 million, with a loan portfolio of $267.9 million divided between residential real estate loans ($109.1 million or 39.5%) and commercial loans ($155.3 million or 56.2%), which include commercial real estate, commercial and industrial, construction, and lines of credit. The bank maintains six full-service branches and a loan production office in the Chicago metropolitan area, serving customers primarily in Cook County, Illinois. It is regulated by the Illinois Department of Financial & Professional Regulation and the FDIC, and generates revenue through interest income, fees, and investment returns.

Hoyne Savings Bank holds a competitive position in the Chicago metropolitan banking market as a community-focused institution with a 138-year operating history. It faces significant competition from larger commercial banks, savings associations, credit unions, and mortgage-banking companies that possess greater financial resources. The bank differentiates itself through its deep local market familiarity, bilingual staff, technology infrastructure, and commitment to customer service and financial literacy initiatives. Its long-standing presence in Cook County allows it to pursue customer relationships disrupted by industry consolidation, while its recent strategic shift toward commercial real estate and commercial and industrial loans aims to improve yield and interest rate risk management. The bank maintains solid asset quality, with low delinquency rates and no loans classified as doubtful or loss as of December 31, 2025.

Hoyne Savings Bank serves a diverse customer base consisting of individuals, families, and small to medium-sized businesses in Cook County, Illinois, and adjacent communities. Its customers include residents seeking residential mortgages and home equity loans, as well as businesses requiring commercial real estate financing, construction loans, working capital lines of credit, and commercial and industrial loans. The bank also provides deposit products such as savings, checking, money market, and certificate of deposit accounts to local consumers and businesses. While specific customer names are not disclosed in the filing, the institution emphasizes its service to the broader Chicago-Naperville-Elgin metropolitan area and its involvement in community development through local organization contributions and school-based financial literacy programs.