Business Description

Hoyne Bancorp, Inc. Hoyne Bancorp, Inc. (“HYNE”, or the “Company”, “we” or “our”) is a Delaware corporation which was incorporated in June 2025 and completed its conversion to a stock form of ownership on December 3, 2025. Upon completion of the offering, Hoyne Bancorp, Inc. became a savings and loan holding company and Hoyne Savings, MHC and Hoyne Financial Corporation ceased to exist. As a savings and loan holding company, Hoyne Bancorp, Inc. is regulated by the Board of Governors of the Federal Reserve System (“Federal Reserve Board”). Hoyne Bancorp, Inc.’s primary business activity is owning all of the outstanding shares of capital stock of Hoyne Savings Bank. Hoyne Bancorp, Inc.’s executive offices are located at 810 S. Oak Park Avenue, Oak Park, Illinois 60304. Hoyne Bancorp, Inc. completed its stock offering in connection with the conversion on December 3, 2025. Hoyne Bancorp, Inc. sold 7,935,000 shares of common stock at $10.00 per share in its subscription offering for gross proceeds of approximately $79.4 million. In connection with the conversion, it also issued 161,938 shares of common stock and contributed $250,000 in cash to Hoyne Charitable Foundation, Inc. Shares of Hoyne Bancorp, Inc.’s common stock began trading on December 4, 2025, on the Nasdaq Capital Market under the trading symbol “HYNE”. Hoyne Bancorp, Inc., as the holding company of Hoyne Savings Bank, is authorized to pursue business activities as permitted by applicable laws and regulations, which may include the acquisition of banking and financial services companies. We currently have no agreements to acquire other financial institutions or financial services companies, although we may determine to do so in the future. Hoyne Bancorp, Inc.’s cash flow depends on earnings from the investment of the net proceeds of the stock offering and from any dividends it receives from Hoyne Savings Bank. Hoyne Savings Bank is subject to regulatory limitations on the amount of dividends that it may pay. Hoyne Bancorp, Inc. does not own or lease any property. We employ as officers of Hoyne Bancorp, Inc. only persons who are also officers of Hoyne Savings Bank. However, we use the support staff of Hoyne Savings Bank from time to time. We pay Hoyne Savings Bank for the time devoted to Hoyne Bancorp, Inc. by employees of Hoyne Savings Bank; however, these individuals are not separately compensated by Hoyne Bancorp, Inc. Hoyne Bancorp, Inc. may hire additional employees, as appropriate, to the extent it expands its business in the future. Hoyne Savings Bank Hoyne Savings Bank, an Illinois-chartered stock savings bank, was established in 1887 and since its inception has operated as a savings institution focused primarily on serving the banking needs of customers in our market area of Cook County, Illinois and adjacent communities. We operate from our headquarters and main banking office in Chicago, Illinois, and we have five additional full-service branch offices in Illinois located in Chicago, Oak Lawn, Wheeling and Worth. We also have a loan production office in Oak Park, Illinois. As of December 31, 2025, we had total assets of $489.4 million including $267.9 million of total loans, total deposits of $321.6 million and stockholders’ equity of $161.4 million. Historically our lending focus has been on making long-term loans to individuals secured by first mortgages on the borrower’s residence and, to a lesser extent, home equity loans. As part of our transition to a more diversified banking institution beginning in 2023, we now offer commercial real estate loans (including commercial construction) and commercial and industrial loans. As of December 31, 2025, $155.3 million, or 56.2%, of our total loan portfolio consisted of commercial real estate (including commercial construction) and commercial and industrial loans. Our main banking office is located at 4786 N. Milwaukee Avenue, Chicago, Illinois 60630 and our telephone number is (773) 283-4100. We are subject to comprehensive regulation and examination by the Illinois Department of Financial & Professional Regulation (“IDFPR”) and the Federal Deposit Insurance Corporation (“FDIC”). Our website address is www.hoyne.com. 1 Table of Contents Market Area and