Hoyne Savings Bank is a Chicago-based community savings bank founded in 1887, operating six full-service branches across Cook County and the broader Chicago metro area. Hoyne's core business is traditional community banking — taking deposits and making loans — and the bank has historically focused on residential mortgage lending secured by one-to-four family properties. Since 2023, Hoyne has been actively pivoting toward commercial lending, including CRE, commercial construction, and C&I loans, which now represent roughly 56% of the loan portfolio, up from 43% a year prior. Residential mortgages remain the second-largest segment. Hoyne sells a significant portion of its fixed-rate residential originations into the secondary market as part of its interest rate risk management. Hoyne earns a spread between interest collected on loans and investments and interest paid on deposits. Roughly half of deposits are CDs, making funding costs sensitive to rate movements. Hoyne holds approximately $135M in investment securities, primarily mortgage-backed securities and government agency obligations. Non-interest income is modest. Hoyne completed a mutual-to-stock conversion in December 2025, raising approximately $79.4M in gross proceeds, and now carries a well-capitalized balance sheet with stockholders' equity of $161.4M against $489M in total assets. Hoyne plans to deploy this capital into loan growth, investments, and potentially M&A or shareholder returns over time.