Hoyne Bancorp (HYNE) Q3 2026 earnings summary

Executive summary

• Q3 2026 net income was $183,000 vs. $70,000 YoY; 9M net income was $161,000 vs. $31,000. Higher net interest income and lower funding costs supported results, partly offset by higher expenses.

• At September 30, 2026, total assets were $479.0M, net loans $294.4M, deposits $309.0M and stockholders’ equity $159.2M.

Financial highlights

• Q3 net interest income rose to $4.64M from $3.41M YoY; 9M net interest income was $13.27M vs. $9.89M.

• Q3 interest income increased 11.2% to $5.6M while interest expense fell 41.6% to $920,000; 9M interest income rose 9.9% to $16.2M and expense declined 38.8% to $3.0M.

• Q3 noninterest income increased 29.3% to $300,000; noninterest expense rose 32.4% to $4.5M. 9M noninterest income increased 50.5% to $975,000, while expense rose 34.7% to $13.6M.

• Q3 and 9M basic and diluted EPS were $0.02.

• 9M comprehensive loss was $2.61M, including a $2.77M other comprehensive loss on available-for-sale securities; net income was $161,000.

Outlook and guidance

• Noninterest expenses are expected to increase as operations grow; compensation expense is also expected to rise with planned stock benefit plans.

• Management anticipates sufficient funds for short- and long-term commitments and expects a substantial portion of CDs maturing within one year to renew.

• If maturing CDs are not retained, funding may rely on FHLB advances or higher deposit rates, potentially increasing interest expense.