Hoyne Bancorp, Inc. is a savings and loan holding company that owns Hoyne Savings Bank, an Illinois-chartered community bank serving Cook County and adjacent areas. The bank, which was established in 1887, offers residential mortgages, commercial real estate loans, commercial construction loans, and commercial and industrial loans to local customers through six branch offices and a loan production office, focusing on conservative underwriting standards and relationship-based customer service. The bank generates revenue from net interest income on its loan and investment portfolio and from deposit spreads, with funding sourced from a mix of core deposits and certificates of deposit obtained primarily through local branches, while operating with low non-performing loan levels and maintaining regulatory capital requirements.