Hoyne Bancorp (HYNE) investor relations material

Executive summary

• Total assets decreased 1.9% to $480.0 million as of June 30, 2026, primarily due to lower cash, investment securities, and offset by loan growth and higher BOLI holdings.

• Net income for Q2 2026 was $96,000, down 18.6% year-over-year; net loss for the first half was $22,000, an improvement from a $47,000 loss in the prior year.

• Commercial loan portfolio growth drove higher interest income, while noninterest expenses rose sharply due to compensation and professional fees.

Financial highlights

• Net interest income rose 31.6% year-over-year to $4.4 million for Q2 2026; net interest margin improved to 4.08% from 3.20%.

• Interest expense on deposits fell 40.1% to $983,000 for Q2 2026, reflecting lower deposit balances and rates.

• Noninterest income increased 82.1% to $397,000 for Q2 2026, mainly from commercial loan fees and BOLI income.

• Noninterest expense increased 39.5% to $4.5 million for Q2 2026, driven by higher compensation and professional services.

• Allowance for credit losses rose 10.1% to $3.0 million, reflecting commercial loan growth.

Outlook and guidance

• Management expects noninterest expenses to rise as operations expand and new stock benefit plans are implemented.

• Liquidity and capital positions are strong, with no outstanding FHLB advances and significant borrowing capacity.

• Anticipates sufficient funds to meet short- and long-term commitments, with most maturing CDs expected to be retained.