0001104659-26-094047 | 10-Q | XBRL Viewer

ESOP (Details) - USD ($)	3 Months Ended	6 Months Ended	12 Months Ended
ESOP (Details) - USD ($)	Jun. 30, 2026	Jun. 30, 2026	Dec. 31, 2025
ESOP
ESOP, service period required for full vesting		5 years
Origination of loan to ESOP			$ 6,480,000
Shares issued to ESOP			647,755
ESOP, loan term			25 years
ESOP, compensation expense	$ 103,000	$ 196,000
Number of shares allocated to participants	2,568	2,568
Number of shares committed to be released	12,545	12,545	2,159
Number of unallocated shares	632,642	632,642	645,596
Total shares	647,755	647,755	647,755
Fair value of unallocated ESOP shares	$ 10,600,000	$ 10,600,000	$ 9,400,000

Nature of Operations	6 Months Ended
Jun. 30, 2026
Nature of Operations
Nature of Operations	2.Nature of Operations Hoyne Savings Bank is an Illinois stock institution. The Bank operates as a single segment and its principal business consists of originating commercial real estate loans (including commercial construction), commercial and industrial loans, one to four residential loans, and to a lesser extent, home equity loans and lines of credit and other consumer loans in the market areas surrounding its branch footprint. The Bank also established a loan production office in Oak Park, Illinois in 2023 and attracts retail deposits from the general public as well as deposits from commercial customers in the areas surrounding the main office and branches, offering a wide variety of deposit products and services. The Bank also invests in securities. Its revenues are derived primarily from interest on loans and investment securities. Its primary sources of funds are deposits and principal and interest payments on loans and investment securities.

Nature of Operations

6 Months Ended

Jun. 30, 2026

Nature of Operations

Nature of Operations

2.Nature of Operations

Hoyne Savings Bank is an Illinois stock institution. The Bank operates as a single segment and its principal business consists of originating commercial real estate loans (including commercial construction), commercial and industrial loans, one to four residential loans, and to a lesser extent, home equity loans and lines of credit and other consumer loans in the market areas surrounding its branch footprint. The Bank also established a loan production office in Oak Park, Illinois in 2023 and attracts retail deposits from the general public as well as deposits from commercial customers in the areas surrounding the main office and branches, offering a wide variety of deposit products and services. The Bank also invests in securities. Its revenues are derived primarily from interest on loans and investment securities. Its primary sources of funds are deposits and principal and interest payments on loans and investment securities.

Organization	6 Months Ended
Jun. 30, 2026
Organization
Organization	1.Organization Hoyne Bancorp, Inc, a Delaware corporation (the "Company") was formed to serve as the stock holding company for Hoyne Savings Bank ("Bank") as part of the mutual-to-stock conversion. Upon completion of the conversion, which occurred on December 3, 2025, Hoyne Bancorp, Inc. became 100% owner of Hoyne Savings Bank. 100% of the common stock of Hoyne Bancorp, Inc. is held by the public, Hoyne Charitable Foundation, and Employee Stock Ownership Program. The cost of the reorganization and the issuing of common stock totaling approximately $3.7 million were deferred and deducted from the sales proceeds of the offering. In connection with the mutual-to-stock conversion completed on December 3, 2025, Hoyne Savings, MHC and Hoyne Financial Corporation merged into Hoyne Bancorp, Inc. The merger eliminated $567,362 of negative shareholders' equity. As a holding company of an Illinois-chartered stock savings bank, Hoyne Bancorp, Inc. is regulated by the Board of Governors of the Federal Reserve System ("Federal Reserve Board"). In connection with the conversion, it also issued 161,938 shares of common stock and donated $250,000 in cash to Hoyne Charitable Foundation, Inc. The unaudited consolidated financial statements and other financial information contained in this Quarterly Report on Form 10-Q should be read in conjunction with the Company’s audited consolidated financial statements and related notes at and for the years ended December 31, 2025 and 2024 contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as filed with the Securities Exchange Commission on March 26, 2026.

Organization

6 Months Ended

Jun. 30, 2026

Organization

Organization

1.Organization

Hoyne Bancorp, Inc, a Delaware corporation (the "Company") was formed to serve as the stock holding company for Hoyne Savings Bank ("Bank") as part of the mutual-to-stock conversion. Upon completion of the conversion, which occurred on December 3, 2025, Hoyne Bancorp, Inc. became 100% owner of Hoyne Savings Bank. 100% of the common stock of Hoyne Bancorp, Inc. is held by the public, Hoyne Charitable Foundation, and Employee Stock Ownership Program. The cost of the reorganization and the issuing of common stock totaling approximately $3.7 million were deferred and deducted from the sales proceeds of the offering. In connection with the mutual-to-stock conversion completed on December 3, 2025, Hoyne Savings, MHC and Hoyne Financial Corporation merged into Hoyne Bancorp, Inc. The merger eliminated $567,362 of negative shareholders' equity. As a holding company of an Illinois-chartered stock savings bank, Hoyne Bancorp, Inc. is regulated by the Board of Governors of the Federal Reserve System ("Federal Reserve Board"). In connection with the conversion, it also issued 161,938 shares of common stock and donated $250,000 in cash to Hoyne Charitable Foundation, Inc.

The unaudited consolidated financial statements and other financial information contained in this Quarterly Report on Form 10-Q should be read in conjunction with the Company’s audited consolidated financial statements and related notes at and for the years ended December 31, 2025 and 2024 contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, as filed with the Securities Exchange Commission on March 26, 2026.

Earnings Per Share (EPS) (Details) - USD ($)	3 Months Ended		6 Months Ended
Earnings Per Share (EPS) (Details) - USD ($)	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Earnings Per Share (EPS)
Net income (loss) applicable to shares of common stock	$ 96,000	$ 118,000	$ (21,592)	$ (47,000)
Average number of shares of common stock outstanding	8,096,938		8,096,938
Less: Average unallocated ESOP shares	(635,881)		(639,119)
Weighted average shares of common stock outstanding - basic	7,461,057		7,457,819
Weighted average shares of common stock outstanding - diluted	7,461,057		7,457,819
Earnings (loss) per common share, basic	$ 0.01		$ 0
Earnings (loss) per common share, diluted	$ 0.01		$ 0

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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+ Details

Core Deposit Intangibles

6 Months Ended

Jun. 30, 2026

Core Deposit Intangibles

Core Deposit Intangibles

7.Core Deposit Intangibles

The core deposit intangibles (“CDI”) were acquired in business combinations. On October 16, 2020, the Bank acquired Loomis Federal Savings and Loan Association, which included a CDI of $3,000. The Bank has an additional CDI of $2,705,000 from a previous business combination that is being amortized over its estimated useful life of 120 months. Accumulated amortization at June 30, 2026 was $2.6 million and $2.5 million at December 31, 2025. The CDIs are reviewed for impairment when events or circumstances indicate that the carrying amount may not be recoverable. No events or circumstances indicating impairment existed as of June 30, 2026 and December 31, 2025.

CDI, net of accumulated amortization, at June 30, 2026 is approximately $46,000. The entire remaining balance is expected to amortize before the end of 2026.

Premises and Equipment (Tables)

6 Months Ended

Jun. 30, 2026

Premises and Equipment

Schedule of premises and equipment

Premises and equipment consist of the following (in thousands):


		June 30,			December 31,
		2026			2025
Land		$	961		$	961
Buildings and improvements			17,575			17,459
Furniture, fixtures, and equipment			2,710			2,666
Total			21,246			21,086
Less accumulated depreciation			14,047			13,725
Construction in progress			138			59
		$	7,337		$	7,420

Schedule of remaining payments on operating lease

The payments remaining on the lease consist of the following for the periods presented:


		Remaining Future
		Lease Payments
2026		$	39,000
2027			80,000
2028			82,000
2029			83,000
2030			85,000
		$	369,000

ESOP (Tables)

6 Months Ended

Jun. 30, 2026

ESOP

Schedule of ESOP information

A partial annual contribution to the ESOP was made during the year ended December 31, 2025, as loan payments are made annually on December 31^st of each year. Compensation expense is recognized over the service period based on the average fair value of the shares and totaled approximately $103,000 and $196,000 for the three and six months ended June 30, 2026, respectively. The following table presents share information held by the ESOP:


		June 30, 2026		December 31, 2025

		(Dollars in thousands, except share data)
Number of shares allocated to participants			2,568		—
Number of shares committed to be released			12,545		2,159
Number of unallocated shares			632,642		645,596
Total shares			647,755		647,755
Fair value of unallocated ESOP shares		$	10,600	$	9,400

Deposits - By type (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Demand accounts
Passbook accounts	$ 86,560	$ 89,870
NOW accounts	63,128	54,215
Daily money market accounts	17,174	16,239
Total demand deposits	166,862	160,324
Certificates of deposit	145,700	161,227
Total of all deposit accounts	312,562	321,551
Time deposits that meet or exceed the FDIC insurance limit of $250,000	$ 33,600	$ 39,000

Investment Securities - Held-to-Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Amortized cost and fair value of HTM securities:
Amortized Cost	$ 25,915	$ 28,368
Gross Unrealized Gains	17	27
Gross Unrealized Losses	(2,483)	(2,355)
Estimated Fair Value	23,449	26,040
Amortized cost of HTM securities by contractual maturity:
Due after 5 years to 10 years	2,229
Total	2,229
Mortgage-backed	23,686
Total	25,915	28,368
Fair value of HTM securities by contractual maturity:
Due after 5 years to 10 years	1,792
Total	1,792
Mortgage-backed	21,657
Total	23,449	26,040
Agencies
Amortized cost and fair value of HTM securities:
Amortized Cost	1,981	1,980
Gross Unrealized Losses	(407)	(400)
Estimated Fair Value	1,574	1,580
Amortized cost of HTM securities by contractual maturity:
Total	1,981	1,980
Fair value of HTM securities by contractual maturity:
Total	1,574	1,580
Mortgage-backed
Amortized cost and fair value of HTM securities:
Amortized Cost	23,686	26,140
Gross Unrealized Gains	17	27
Gross Unrealized Losses	(2,046)	(1,926)
Estimated Fair Value	21,657	24,241
Amortized cost of HTM securities by contractual maturity:
Total	23,686	26,140
Fair value of HTM securities by contractual maturity:
Total	21,657	24,241
Municipal bonds
Amortized cost and fair value of HTM securities:
Amortized Cost	248	248
Gross Unrealized Losses	(30)	(29)
Estimated Fair Value	218	219
Amortized cost of HTM securities by contractual maturity:
Total	248	248
Fair value of HTM securities by contractual maturity:
Total	$ 218	$ 219

Loans Receivable - Risk category of loans by class (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Loans
Year One	$ 37,900	$ 64,264
Year Two	76,230	67,657
Year Three	49,099	35,701
Year Four	33,983	7,030
Year Five	6,633	24,906
Prior	81,796	71,352
Revolvers	6,511	5,431
Total	292,152	276,341
Pass
Loans
Year One	37,900	64,264
Year Two	76,230	66,405
Year Three	47,486	35,701
Year Four	33,983	7,030
Year Five	6,633	24,385
Prior	80,166	69,887
Revolvers	6,511	5,431
Total	288,909	273,103
Special Mention
Loans
Year Two		1,252
Year Three	1,613
Year Five		521
Prior	168	171
Total	1,781	1,944
Substandard
Loans
Prior	1,462	1,294
Total	1,462	1,294
Residential \| One to Four Residential \| Pass
Loans
Year One	2,168	3,147
Year Two	3,105	4,897
Year Three	3,930	3,822
Year Four	3,673	7,009
Year Five	6,613	24,385
Prior	74,666	63,877
Total	94,155	107,137
Residential \| One to Four Residential \| Special Mention
Loans
Year Five		521
Prior	168	171
Total	168	692
Residential \| One to Four Residential \| Substandard
Loans
Prior	1,462	1,294
Total	1,462	1,294
Residential \| Purchased and participations \| Pass
Loans
Prior	5,489	5,993
Total	5,489	5,993
Residential \| Home improvement, first mortgage \| Pass
Loans
Year One	99	290
Year Two	170
Year Three		129
Year Four	121	21
Year Five	20
Prior	11	17
Total	421	457
Residential \| Home equity line of credit (HELOC) \| Pass
Loans
Revolvers	6,511	5,431
Total	6,511	5,431
Commercial \| Commercial construction \| Pass
Loans
Year One	2,720	20,074
Year Two	24,548	12,573
Year Three	9,924	13,477
Year Four	12,364
Total	49,556	46,124
Commercial \| Commercial and industrial \| Pass
Loans
Year One	886	10,455
Year Two	19,308	11,215
Year Three	4,660	477
Year Four	452
Total	25,306	22,147
Commercial \| Commercial and industrial \| Special Mention
Loans
Year Two		1,022
Year Three	1,386
Total	1,386	1,022
Commercial \| Commercial Line of Credit (LOC) \| Pass
Loans
Year One	2,375	648
Year Two	647	3,558
Year Three	14,949	5,500
Total	17,971	9,706
Commercial real estate \| Commercial real estate \| Pass
Loans
Year One	29,652	29,650
Year Two	28,452	34,162
Year Three	14,023	12,296
Year Four	17,373
Total	89,500	76,108
Commercial real estate \| Commercial real estate \| Special Mention
Loans
Year Two		230
Year Three	227
Total	$ 227	$ 230

Loans Receivable - Summary (Details) - USD ($)	Jun. 30, 2026	Mar. 31, 2026	Dec. 31, 2025	Jun. 30, 2025	Mar. 31, 2025	Dec. 31, 2024
Loans Receivable
Gross loans	$ 292,152,000		$ 276,341,000
Add premiums on purchased loans	32,000		35,000
Less:
Loans sold	(5,853,000)		(4,386,000)
Loans in process	26,000		(304,000)
Allowance for credit losses	(2,952,000)	$ (2,817,000)	(2,682,000)	$ (2,412,000)	$ (2,273,000)	$ (2,126,000)
Deferred income from loan fees	(1,116,000)		(1,055,000)
Total	282,289,000		267,949,000
Accrued interest on loans	1,300,000		1,000,000
Residential \| One to four residential
Loans Receivable
Gross loans	95,785,000		109,123,000
Less:
Allowance for credit losses	(968,000)	(992,000)	(1,059,000)	(1,114,000)	(1,102,000)	(1,074,000)
Securitized loans	853,000		886,000
Residential \| Purchased and participations
Loans Receivable
Gross loans	5,489,000		5,993,000
Less:
Allowance for credit losses	(55,000)	(56,000)	(58,000)	(69,000)	(78,000)	(75,000)
Residential \| Home improvement, first mortgage
Loans Receivable
Gross loans	421,000		457,000
Less:
Allowance for credit losses	(4,000)	(4,000)	(4,000)	(2,000)	(2,000)	(2,000)
Residential \| Home equity line of credit (HELOC)
Loans Receivable
Gross loans	6,511,000		5,431,000
Less:
Allowance for credit losses	(66,000)	(58,000)	(53,000)	(50,000)	(52,000)	(52,000)
Residential \| Commercial and Industrial
Loans Receivable
Gross loans			23,169,000
Commercial \| Commercial construction
Loans Receivable
Gross loans	49,556,000		46,124,000
Less:
Allowance for credit losses	(501,000)	(456,000)	(448,000)	(347,000)	(238,000)	(195,000)
Commercial \| Commercial and Industrial
Loans Receivable
Gross loans	26,692,000		23,169,000
Less:
Allowance for credit losses	(270,000)	(278,000)	(225,000)	(151,000)	(191,000)	(186,000)
Commercial \| Commercial Line of Credit (LOC)
Loans Receivable
Gross loans	17,971,000		9,706,000
Less:
Allowance for credit losses	(181,000)	(40,000)	(94,000)	(88,000)	(115,000)	(107,000)
Commercial Real Estate \| Commercial real estate
Loans Receivable
Gross loans	89,727,000		76,338,000
Less:
Allowance for credit losses	(907,000)	$ (933,000)	(741,000)	$ (591,000)	$ (495,000)	$ (435,000)
Securitized loans	$ 5,000,000		$ 3,500,000

Investment Securities - Additional Disclosures (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2026 USD ($) item	Jun. 30, 2025 USD ($)	Jun. 30, 2026 USD ($) item	Jun. 30, 2025 USD ($)	Dec. 31, 2025 USD ($)
Investment Securities
Sales of investment securities available-for-sale	$ 0	$ 0	$ 0	$ 0
AFS accrued interest written off	0	0	0	0
HTM accrued interest written off	0	$ 0	0	$ 0
HTM securities, past due	0		0		$ 0
HTM securities, nonaccrual	0		0		0
Accrued interest on securities held to maturity	64,000		64,000		69,000
Accrued interest on securities available for sale	$ 271,000		$ 271,000		$ 312,000
Agencies
Investment Securities
Number of securities in an unrealized loss position \| item	23		23
Aggregate depreciation of amortized cost basis (percentage)			15.87%
Mortgage-backed
Investment Securities
Number of securities in an unrealized loss position \| item	172		172
Aggregate depreciation of amortized cost basis (percentage)			12.49%
Municipal bonds
Investment Securities
Number of securities in an unrealized loss position \| item	3		3
Aggregate depreciation of amortized cost basis (percentage)			3.29%

Summary of Significant Accounting Policies

6 Months Ended

Jun. 30, 2026

Summary of Significant Accounting Policies

Summary of Significant Accounting Policies

3.Summary of Significant Accounting Policies

The accompanying unaudited consolidated financial statements have been prepared in conformity with accounting principals generally accepted in the United States of America (“U.S. GAAP”) and conform to practices within the banking industry. The accounting policies followed in the preparation of the interim consolidated financial statements are consistent with those used in the preparation of the annual financial statements. The interim consolidated financial statements reflect all normal and recurring adjustments that are necessary, in the opinion of management, for fair statement of results for the interim periods presented. Results for the three and six months ended June 30, 2026 are not necessarily indicative of the results that may be expected for the year ending December 31, 2026. Reference is made to the accounting policies of the Company described in the notes to the Audited Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025. The Company has consistently followed these policies in preparing this Quarterly Report on Form 10-Q.

3.Summary of Significant Accounting Policies (continued)

Principles of Consolidation — The consolidated financial statements for the three and six months ended June 30, 2026 include the accounts and results of operations of Hoyne Bancorp, Inc. and Hoyne Savings Bank. The comparable periods in 2025 contain the results of Hoyne Savings, MHC, Hoyne Financial Corporation, and Hoyne Savings Bank and Prospect Services Incorporated. Significant intercompany accounts and transactions have been eliminated in consolidation.

Use of Estimates — The preparation of financial statements in accordance with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities and activities at the date of the financial statements, and during the reporting period. Actual results could differ from those estimates.

Significant estimates used in the preparation of these financial statements and disclosures include the allowance for credit losses, realizability of net deferred income tax assets and the fair values of financial instruments. For these estimates, it is reasonably possible that the recorded amounts or related disclosures could significantly change in the near future as more information is available.

Future Accounting Pronouncements — In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amendments in this ASU improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation table, as well as income taxes paid disaggregated by jurisdiction. These expanded disclosures allow investors to better assess how an entity’s overall operations, including the related tax risks, tax planning, and operational opportunities, affect its income tax rate and prospects for future cash flows. The updated guidance is effective for annual periods beginning after December 15, 2025, and management believes these disclosures will not have a material impact on the consolidated financial statements.

Organization (Details)	Dec. 03, 2025 USD ($) shares
Organization
Stock offering costs	$ 3,700,000
Merger of wholly owned subsidiaries	$ 567,362
Hoyne Charitable Foundation, Inc.
Organization
Number of shares issued as donation to a charitable foundation \| shares	161,938
Cash donation to charitable foundation	$ 250,000
Hoyne Savings Bank
Organization
Percentage ownership	100.00%

Premises and Equipment (Details) - USD ($)	3 Months Ended		6 Months Ended
Premises and Equipment (Details) - USD ($)	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025	Jan. 31, 2026	Dec. 31, 2025
Premises and Equipment
Gross before accumulated depreciation and construction in progress	$ 21,246,000		$ 21,246,000			$ 21,086,000
Less accumulated depreciation	14,047,000		14,047,000			13,725,000
Construction in progress	138,000		138,000			59,000
Total	7,337,000		7,337,000			7,420,000
Branch lease
Premises and Equipment
Lease rent expense	20,400	$ 20,400	40,800	$ 40,800
Oak Park Office Lease
Premises and Equipment
Term of lease					3 years
Right-of-use asset	$ 337,661		$ 337,661			$ 0
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets		Other Assets			Other Assets
Lease liability	$ 339,174		$ 339,174			$ 0
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accounts Payable and Accrued Liabilities		Accounts Payable and Accrued Liabilities			Accounts Payable and Accrued Liabilities
Remaining lease term	4 years 6 months		4 years 6 months
Payments remaining on operating lease
2026	$ 39,000		$ 39,000
2027	80,000		80,000
2028	82,000		82,000
2029	83,000		83,000
2030	85,000		85,000
Total	369,000		369,000
Land
Premises and Equipment
Gross before accumulated depreciation and construction in progress	961,000		961,000			$ 961,000
Building and improvements
Premises and Equipment
Gross before accumulated depreciation and construction in progress	17,575,000		17,575,000			17,459,000
Furniture, fixtures, and equipment
Premises and Equipment
Gross before accumulated depreciation and construction in progress	$ 2,710,000		$ 2,710,000			$ 2,666,000

Regulatory Information (Details) $ in Thousands	Jun. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)
Tier 1 capital (to average assets for the leverage ratio)
Actual, Amount	$ 127,377	$ 126,916
Actual, Ratio	0.273	0.248
Requirements Well Capitalized Under Prompt Corrective Action Provisions, Actual	$ 42,050	$ 46,351
Requirements Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.09	0.09

Regulatory Information (Tables)

6 Months Ended

Jun. 30, 2026

Regulatory Information

Schedule of regulatory information

Management believes, as of June 30, 2026 and December 31, 2025, that the Bank meets all capital adequacy requirements to which it is subject. The most recent notification from Regulatory Authorities categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category (table in thousands).


							Requirements
							Well
							Capitalized
							Under Prompt
							Corrective
		Actual					Action Provisions
		Amount			Ratio		Amount			Ratio
As of June 30, 2026
Tier 1 capital (to average assets for the leverage ratio)		$	127,377		27.3	%	$	42,050		9.0	%
As of December 31, 2025:
Tier 1 capital (to average assets for the leverage ratio)		$	126,916		24.8	%	$	46,351		9.0	%

Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2026

Loans Receivable

Schedule of loans receivable

Loans receivable consist of the following (in thousands):


	June 30, 2026			December 31, 2025
One to four residential	$	95,785		$	109,123
Purchased and participations		5,489			5,993
Home improvement, first mortgage		421			457
Home equity line of credit (HELOC)		6,511			5,431
Commercial, construction		49,556			46,124
Commercial and Industrial		26,692			23,169
Commercial Real Estate		89,727			76,338
Commercial Line of Credit (LOC)		17,971			9,706
Total		292,152			276,341
Add premiums on purchased loans		32			35
Less:
Loans sold		(5,853)			(4,386)
Loans in process		26			(304)
Allowance for credit losses		(2,952)			(2,682)
Deferred income from loan fees		(1,116)			(1,055)
	$	282,289		$	267,949

Schedule of activity in the allowance for credit losses

5.Loans Receivable (continued)

Activity in the allowance for credit losses is summarized for the three and six months ended June 30, 2026 and 2025, as follows (in thousands):


								Home
					Purchased			improvement									Commercial			Commercial
		One to Four			and			first						Commercial			and			real
		Residential			participations			mortgage			HELOC			construction			industrial			estate			LOC			Total
Allowance for Credit Loss
For the Three Months Ended
Beginning balance March 31, 2026		$	992		$	56		$	4		$	58		$	456		$	278		$	933		$	40		$	2,817
Provision			(24)			(1)			—			8			45			(8)			(26)			141			135
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			—			—			—			—			—			—			—			—			—
Ending balance June 30, 2026		$	968		$	55		$	4		$	66		$	501		$	270		$	907		$	181		$	2,952
Beginning balance March 31, 2025			1,102			78			2			52			238			191			495			115		$	2,273
Provision			8			(9)			—			(2)			109			(40)			96			(27)			135
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			4			—			—			—			—			—			—			—			4
Ending balance June 30, 2025		$	1,114		$	69		$	2		$	50		$	347		$	151		$	591		$	88		$	2,412

For the Six Months Ended
Beginning balance January 1, 2026		$	1,059		$	58		$	4		$	53		$	448		$	225		$	741		$	94		$	2,682
Provision			(91)			(3)			—			13			53			45			166			87			270
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			—			—			—			—			—			—			—			—			—
Ending balance June 30, 2026			968			55			4			66			501			270			907			181			2,952
Beginning balance January 1, 2025			1,074			75			2			52			195			186			435			107			2,126
Provision			24			(6)			—			(2)			152			(35)			156			(19)			270
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			16			—			—			—			—			—			—			—			16
Ending balance June 30, 2025			1,114			69			2			50			347			151			591			88			2,412

Schedule of aging of loans receivable by classification

The aging of loans receivable by class of receivable is as follows (in thousands):

June 30, 2026

30 – 89

90+

2026

Current

days

Total

Non-Accrual

One to four residential and home improvement

 

94,358

 

888

 

960

 

96,206

 

1,462

Purchased and Participations

5,454

5,489

—

Home Equity Line of Credit (HELOC)

6,411

100

—

6,511

—

Commercial & Industrial

26,692

—

26,692

—

Commercial real estate

89,727

—

89,727

—

Commercial, construction

49,556

—

49,556

—

Commercial Line of Credit (LOC)

17,971

—

17,971

—

290,169

998

985

292,152

1,462


		December 31, 2025
					30 – 89			90+
2025		Current			days			days			Total			Non-Accrual
One to four residential and home improvement		$	108,408		$	783		$	389		$	109,580		$	1,294
Purchased and Participations			5,951			—			42			5,993			—
Home Equity Line of Credit (HELOC)			5,281			137			13			5,431			—
Commercial & Industrial			23,169			—			—			23,169			—
Commercial real estate			76,338			—			—			76,338			—
Commercial, construction			46,124			—			—			46,124			—
Commercial Line of Credit (LOC)			9,706			—			—			9,706			—
		$	274,977		$	920		$	444		$	276,341		$	1,294

Schedule of loans by risk rating and year of origination

As of June 30, 2026 and December 31, 2025, and based on the most recent analysis performed, the aggregate dollar amount of loans segmented by risk category (and by class of loan and year of origination) is as follows (in thousands):


June 30, 2026		2026			2025			2024			2023			2022			Prior			Revolvers			Total
Pass
One to four residential		$	2,168		$	3,105		$	3,930		$	3,673		$	6,613		$	74,666		$	—		$	94,155
Purchased and Participations			—			—			—			—			—			5,489			—			5,489
Home improvement, first mortgage			99			170			—			121			20			11			—			421
Home equity line of credit			—			—			—			—			—			—			6,511			6,511
Commercial construction			2,720			24,548			9,924			12,364			—			—			—			49,556
Commercial and industrial			886			19,308			4,660			452			—			—			—			25,306
Commercial real estate			29,652			28,452			14,023			17,373			—			—			—			89,500
Commercial line of credit			2,375			647			14,949			—			—			—			—			17,971
Total pass		$	37,900		$	76,230		$	47,486		$	33,983		$	6,633		$	80,166		$	6,511		$	288,909
Special Mention
One to four residential			—			—			—			—			—			168			—			168
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			—			1,386			—			—			—			—			1,386
Commercial real estate			—			—			227			—			—			—			—			227
Commercial line of credit			—			—			—			—			—			—			—			—
Total special mention		$	—		$	—		$	1,613		$	—		$	—		$	168		$	—		$	1,781
Substandard
One to four residential			—			—			—			—			—			1,462			—			1,462
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			—			—			—			—			—			—			—
Commercial real estate			—			—			—			—			—			—			—			—
Commercial line of credit			—			—			—			—			—			—			—			—
Total substandard		$	—		$	—		$	—		$	—		$	—		$	1,462		$	—		$	1,462
Total		$	37,900		$	76,230		$	49,099		$	33,983		$	6,633		$	81,796		$	6,511		$	292,152

5.Loans Receivable (continued)


December 31, 2025		2025			2024			2023			2022			2021			Prior			Revolvers			Total
Pass
One to four residential		$	3,147		$	4,897		$	3,822		$	7,009		$	24,385		$	63,877		$	—		$	107,137
Purchased and Participations			—			—			—			—			—			5,993			—			5,993
Home improvement, first mortgage			290			—			129			21			—			17			—			457
Home equity line of credit			—			—			—			—			—			—			5,431			5,431
Commercial construction			20,074			12,573			13,477			—			—			—			—			46,124
Commercial and industrial			10,455			11,215			477			—			—			—			—			22,147
Commercial real estate			29,650			34,162			12,296			—			—			—			—			76,108
Commercial line of credit			648			3,558			5,500			—			—			—			—			9,706
Total pass		$	64,264		$	66,405		$	35,701		$	7,030		$	24,385		$	69,887		$	5,431		$	273,103
Special Mention
One to four residential			—			—			—			—			521			171			—			692
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			1,022			—			—			—			—			—			1,022
Commercial real estate			—			230			—			—			—			—			—			230
Commercial line of credit			—			—			—			—			—			—			—			—
Total special mention		$	—		$	1,252		$	—		$	—		$	521		$	171		$	—		$	1,944
Substandard
One to four residential			—			—			—			—			—			1,294			—			1,294
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			—			—			—			—			—			—			—
Commercial real estate			—			—			—			—			—			—			—			—
Commercial line of credit			—			—			—			—			—			—			—			—
Total substandard		$	—		$	—		$	—		$	—		$	—		$	1,294		$	—		$	1,294
Total		$	64,264		$	67,657		$	35,701		$	7,030		$	24,906		$	71,352		$	5,431		$	276,341

 

2026

 

2025

 

2024

 

2023

 

2022

 

Prior

 

Revolvers

 

Total

Current gross write-offs for the six months ended June 30, 2025

One to four residential

—

Purchased and Participations

—

Home improvement, first mortgage

—

Home equity line of credit

—

Commercial construction

—

Commercial and industrial

—

Commercial real estate

—

Commercial line of credit

—

Total

—

Current gross write-offs for the six months ended June 30, 2026

One to four residential

—

Purchased and Participations

—

Home improvement, first mortgage

—

Home equity line of credit

—

Commercial construction

—

Commercial and industrial

—

Commercial real estate

—

Commercial line of credit

—

Total

—

Loans Receivable - Aging of loans receivable by class (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2026 USD ($) loan	Jun. 30, 2025 USD ($)	Jun. 30, 2026 USD ($) loan	Jun. 30, 2025 USD ($)	Dec. 31, 2025 USD ($) loan
Loans Receivable
Gross loans	$ 292,152,000		$ 292,152,000		$ 276,341,000
Non-accrual loan balance	1,462,000		1,462,000		1,294,000
Troubled loan modifications during the period	0	$ 0	0	$ 0
Troubled loan modifications, defaults within 12 months of modification	0	$ 0	0	$ 0
Collateral dependent loans, no related allowance	280,749		280,749		27,650
Collateral dependent loans, with related allowance	0		0		0
Commitments to loan additional funds to the borrowers whose loans have determined to be collateral dependent	0		0
Mortgage loans in the process of foreclosure	0		0		324,000
Current
Loans Receivable
Gross loans	290,169,000		290,169,000		274,977,000
30 - 89 days
Loans Receivable
Gross loans	998,000		998,000		920,000
90+ days
Loans Receivable
Gross loans	$ 985,000		$ 985,000		$ 444,000
Number of participation loans still accruing \| loan	29		29		0
Loans greater than 90 days past due and still accruing interest	$ 24,962		$ 24,962
Residential \| One to four residential and home improvement
Loans Receivable
Gross loans	96,206,000		96,206,000		$ 109,580,000
Non-accrual loan balance	1,462,000		1,462,000		1,294,000
Residential \| One to four residential and home improvement \| Current
Loans Receivable
Gross loans	94,358,000		94,358,000		108,408,000
Residential \| One to four residential and home improvement \| 30 - 89 days
Loans Receivable
Gross loans	888,000		888,000		783,000
Residential \| One to four residential and home improvement \| 90+ days
Loans Receivable
Gross loans	960,000		960,000		389,000
Residential \| One to Four Residential
Loans Receivable
Gross loans	95,785,000		95,785,000		109,123,000
Non-accrual loan balance with related allowance	$ 254,790		$ 254,790		$ 257,044
Number of non-accrual loans with related allowance \| loan	1		1		1
Related allowance amount for non-accrual loans	$ 164,863		$ 164,863		$ 50,958
Residential \| Purchased and Participations
Loans Receivable
Gross loans	5,489,000		5,489,000		5,993,000
Residential \| Purchased and Participations \| Current
Loans Receivable
Gross loans	5,454,000		5,454,000		5,951,000
Residential \| Purchased and Participations \| 30 - 89 days
Loans Receivable
Gross loans	10,000		10,000
Residential \| Purchased and Participations \| 90+ days
Loans Receivable
Gross loans	25,000		25,000		42,000
Residential \| HELOC
Loans Receivable
Gross loans	6,511,000		6,511,000		5,431,000
Residential \| HELOC \| Current
Loans Receivable
Gross loans	6,411,000		6,411,000		5,281,000
Residential \| HELOC \| 30 - 89 days
Loans Receivable
Gross loans	100,000		100,000		137,000
Residential \| HELOC \| 90+ days
Loans Receivable
Gross loans					13,000
Residential \| Commercial and Industrial
Loans Receivable
Gross loans					23,169,000
Residential \| Commercial and Industrial \| Current
Loans Receivable
Gross loans					23,169,000
Commercial \| Commercial and Industrial
Loans Receivable
Gross loans	26,692,000		26,692,000		23,169,000
Commercial \| Commercial and Industrial \| Current
Loans Receivable
Gross loans	26,692,000		26,692,000
Commercial \| Commercial construction
Loans Receivable
Gross loans	49,556,000		49,556,000		46,124,000
Commercial \| Commercial construction \| Current
Loans Receivable
Gross loans	49,556,000		49,556,000		46,124,000
Commercial \| LOC
Loans Receivable
Gross loans	17,971,000		17,971,000		9,706,000
Commercial \| LOC \| Current
Loans Receivable
Gross loans	17,971,000		17,971,000		9,706,000
Commercial real estate \| Commercial real estate
Loans Receivable
Gross loans	89,727,000		89,727,000		76,338,000
Commercial real estate \| Commercial real estate \| Current
Loans Receivable
Gross loans	$ 89,727,000		$ 89,727,000		$ 76,338,000

Fair Value of Financial Instruments

6 Months Ended

Jun. 30, 2026

Fair Value of Financial Instruments.

Fair Value of Financial Instruments

10.Fair Value of Financial Instruments

Financial instruments are classified within the fair value hierarchy using the methodologies described in Note 9 – Fair Value Measurements. The following disclosures include financial instruments that are carried at fair value as well as those that are not carried at fair value on the Consolidated Balance Sheets. The calculation of estimated fair values is based on market conditions at a specific point in time and may not reflect current or future fair values.

Cash and Cash Equivalents

The carrying value of cash and cash equivalents is a reasonable estimate of fair value.

Certificates of Deposit in Other Financial Institutions

The carrying value of certificates of deposit is a reasonable estimate of fair value given the short term nature of instruments.

Other Investments

The carrying value of other investments includes FHLB Stock and Bankers Bank stock and approximates fair value and is classified as Level 3, as the stock is nonmarketable and has restrictions placed on its transferability.

Loans

For disclosure purposes, the fair value of fixed rate loans which are not considered individually evaluated is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings. For collectively evaluated variable rate loans, the carrying amount is a reasonable estimate of fair value for disclosure purposes.

10.Fair Value of Financial Instruments (continued)

Deposits

The fair value of passbook savings accounts, interest-bearing checking accounts, noninterest-bearing checking accounts and market rate checking accounts is the amount payable on demand at the reporting date, while the fair value of fixed maturity certificate of deposits is estimated by discounting the future cash flows using current rates at which comparable certificates would be issued.

The carrying amounts and estimated fair value (in thousands) of our financial instruments at June 30, 2026 and December 31, 2025 are as follows (in thousands):

 

June 30,

December 31,

2026

2025

Carrying

Estimated

Carrying

Estimated

 

Amount

 

Fair Value

 

Amount

 

Fair Value

Financial assets:

Cash and cash equivalents

Level 1

25,376

47,595

Certificates of deposit

Level 2

870

870

Investment securities AFS

Level 2

100,856

106,654

Investment securities HTM

Level 2

25,915

23,449

28,368

26,040

Other Investments

Level 3

2,158

2,158

Accrued interest receivable

Level 1

1,685

1,451

Loans, net

Level 3

282,289

273,980

267,949

258,840

Financial liabilities:

Deposits

Level 2

312,562

311,341

321,551

320,437

Accrued interest payable

Level 1

596

735

Limitations

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time of the entire holdings of a particular financial instrument. Because no market exists for a significant portion of our financial instruments, fair value estimates are based on many judgments. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include deferred income taxes and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Fair Value Measurements and Disclosures (Details) - USD ($)	Jun. 30, 2026	Dec. 31, 2025
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	$ 100,856,000	$ 106,654,000
Mortgage-backed
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	61,906,000	67,465,000
Agencies
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	38,263,000	38,499,000
Municipal bonds
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	687,000	690,000
Recurring
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	100,856,000	106,654,000
Recurring \| Mortgage-backed
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	61,906,000	67,465,000
Recurring \| Agencies
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	38,263,000	38,499,000
Recurring \| Municipal bonds
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	687,000	690,000
Recurring \| Significant Other Observable Inputs (Level 2)
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	100,856,000	106,654,000
Recurring \| Significant Other Observable Inputs (Level 2) \| Mortgage-backed
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	61,906,000	67,465,000
Recurring \| Significant Other Observable Inputs (Level 2) \| Agencies
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	38,263,000	38,499,000
Recurring \| Significant Other Observable Inputs (Level 2) \| Municipal bonds
Fair Value Measurements and Disclosures Restated
Available-for-sale debt securities	687,000	690,000
Nonrecurring
Fair Value Measurements and Disclosures Restated
Assets at fair value	$ 89,927	$ 206,086

Fair Value Measurements

6 Months Ended

Jun. 30, 2026

Fair Value Measurements

Fair Value Measurements

9.Fair Value Measurements

We utilize fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. From time to time, we may be required to record at fair value other assets on a nonrecurring basis, such as individually evaluated loans and other real estate owned. These nonrecurring fair value adjustments typically involve application of the lower of cost or market accounting or write-downs of individual assets. Additionally, we are required to disclose, but not record, the fair value of other financial instruments.

Fair Value Hierarchy

We group assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. These levels are:

Level 1 — Valuation is based upon quoted prices for identical instruments traded in active markets.

Level 2 — Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.

Level 3 — Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

Following is a description of valuation methodologies used for assets recorded at fair value.

9.Fair Value Measurements (continued)

Investment Securities

Available-for-sale securities are recorded at market value and held-to-maturity securities are carried at amortized cost. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, and U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter market funds. Level 2 securities include mortgage-backed securities issued by government sponsored enterprises and state, county and municipal bonds. Securities classified as Level 3 include asset-backed securities in less liquid markets (table in thousands).

 

Assets Measured at Fair Value on a Recurring Basis

At June 30, 2026

 

Quoted Prices

 

Significant

 

in Active

Other

Significant

Markets for

Observable

Unobservable

Balance

Identical Assets

Inputs

at June 30,

(Level 1)

(Level 2)

(Level 3)

2026

Available-for-sale debt securities:

Mortgage-backed

—

61,906

—

61,906

Agencies

—

38,263

—

38,263

Municipal bonds

—

687

—

687

Total available-for-sale debt securities

—

100,856

—

100,856


		Assets Measured at Fair Value on a Recurring Basis
		At December 31, 2025
		Quoted Prices			Significant
		in Active			Other			Significant
		Markets for			Observable			Unobservable			Balance
		Identical Assets			Inputs			Inputs			at December 31,
		(Level 1)			(Level 2)			(Level 3)			2025
Available-for-sale debt securities:
Mortgage-backed		$	—		$	67,465		$	—		$	67,465
Agencies			—			38,499			—			38,499
Municipal Bonds			—			690			—			690
Total available-for-sale debt securities		$	—		$	106,654		$	—		$	106,654

We estimate the fair value of these investments through independent pricing sources. Independent pricing sources utilize information such as similar security transactions and observable yield curves to estimate the fair value of individual securities.

Assets Recorded at Fair Value on a Nonrecurring Basis

We may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with GAAP. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. The only assets measured at fair value on a nonrecurring basis were individually evaluated loans of $89,927 and $206,086 as of June 30, 2026 and December 31, 2025, respectively.

Individually Evaluated Loans

We do not record loans at fair value on a recurring basis. However, from time to time, a loan is considered individually evaluated and a specific reserve is established within the allowance for credit losses. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are individually evaluated. Once a loan is identified as individually evaluated, management measures specific

reserves in accordance with U.S. GAAP. The fair value of individually evaluated loans is estimated using one of three methods, including collateral value, market value of similar debt, and discounted cash flows. Those individually evaluated loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. In accordance with GAAP, individually evaluated loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price, we record the individually evaluated loan as nonrecurring Level 2. When an appraised value is used or an appraisal is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Bank records the individually evaluated loan as nonrecurring Level 3.

Real Estate Owned

Other real estate properties are adjusted to fair value upon transfer of the loans to real estate owned. Subsequently, real estate owned assets are carried at fair value less estimated selling costs. Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral. When the fair value of the collateral is based on an observable market price, we record the other real estate as nonrecurring Level 2. When an appraised value is used or an appraisal is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, we record the other real estate asset as nonrecurring Level 3.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2026	Aug. 11, 2026
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2026
Document Transition Report	false
Securities Act File Number	001-42990
Entity Registrant Name	Hoyne Bancorp, Inc.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	39-2556785
City Area Code	708
Local Phone Number	434-4300
Entity Address, Address Line One	810 S. Oak Park Avenue
Entity Address, City or Town	Oak Park
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60304
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	HYNE
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		8,096,938
Entity Central Index Key	0002073153
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q2
Amendment Flag	false

ESOP

6 Months Ended

Jun. 30, 2026

ESOP

ESOP

12.ESOP

In conjunction with the Conversion, the Bank established an Employee Stock Ownership Plan (“ESOP”) for the exclusive benefit of eligible employees. The Bank makes annual contributions to the ESOP in amounts as defined by the plan document. These contributions are used to pay debt service. Certain ESOP shares are pledged as collateral for debt. As the debt is repaid, shares are released from collateral and allocated to active participants, based on the proportion of debt service paid in the year. Shares allocated to participants are vested by 100% after five years of service, and credit is given for years of service with Hoyne Savings Bank prior to the adoption of the ESOP. Participants will also become fully vested in the case of death, disability or retirement.

In connection with the Company’s initial public stock offering, the ESOP borrowed $6.48 million from the Company for the purpose of purchasing shares of the Company’s common stock. A total of 647,755 shares were purchased with the loan proceeds. Accordingly, common stock acquired by the ESOP is shown as a reduction of stockholder’s equity. The loan is expected to be repaid over a period of up to 25 years.


		June 30, 2026		December 31, 2025

		(Dollars in thousands, except share data)
Number of shares allocated to participants			2,568		—
Number of shares committed to be released			12,545		2,159
Number of unallocated shares			632,642		645,596
Total shares			647,755		647,755
Fair value of unallocated ESOP shares		$	10,600	$	9,400

Investment Securities (Tables)

6 Months Ended

Jun. 30, 2026

Investment Securities

Schedule of amortized cost and fair value of securities available-for-sale and held-to-maturity, with gross unrealized gains and losses

The amortized cost and fair value of securities available-for-sale and held-to-maturity, with gross unrealized gains and losses, are as follows (in thousands):


	June 30, 2026
	Amortized		Gross Unrealized				Estimated
	Cost		Gains		Losses		Fair Value
Available-for-sale securities:
Agencies	$	45,483	$	—	$	(7,220)	$	38,263
Mortgage-backed		70,442		31		(8,567)		61,906
Municipal bonds		710		—		(23)		687
Total available-for-sale securities	$	116,635	$	31	$	(15,810)	$	100,856
Held-to-maturity securities:
Agencies	$	1,981	$	—	$	(407)	$	1,574
Mortgage-backed		23,686		17		(2,046)		21,657
Municipal bonds		248		—		(30)		218
Total Held-to-maturity securities	$	25,915	$	17	$	(2,483)	$	23,449


	December 31, 2025
	Amortized		Gross Unrealized				Estimated
	Cost		Gains		Losses		Fair Value
Available-for-sale securities:
Agencies	$	45,481	$	-	$	(6,982)	$	38,499
Mortgage-backed		75,692		58		(8,285)		67,465
Municipal bonds		706		-		(16)		690
Total available-for-sale securities	$	121,879	$	58	$	(15,283)	$	106,654
Held-to-maturity securities:
Agencies	$	1,980	$	—	$	(400)	$	1,580
Mortgage-backed		26,140		27		(1,926)		24,241
Municipal bonds		248		—		(29)		219
Total Held-to-maturity securities	$	28,368	$	27	$	(2,355)	$	26,040

Schedule of amortized cost and fair value of investment securities by contractual maturity

The amortized cost and fair value of investment securities by contractual maturity are as follows (in thousands):

June 30, 2026

Available-for-Sale

Held-to-Maturity

Amortized

 

Cost

 

Fair Value

 

Cost

 

Fair Value

Due in 1 year or less

—

Due in 1 to 5 years

16,486

14,807

—

Due after 5 years to 10 years

29,707

24,143

2,229

1,792

Due after 10 years

—

Total

46,193

38,950

2,229

1,792

Mortgage-backed

70,442

61,906

23,686

21,657

Total

116,635

100,856

25,915

23,449

Schedule of debt securities with gross unrealized losses

Information pertaining to available-for-sale debt securities with gross unrealized losses at June 30, 2026 and December 31, 2025 aggregated by investment category and length of time that individual securities have been in a continuous loss position follows (in thousands):

June 30, 2026

Less Than Twelve Months

Over Twelve Months

Gross

Unrealized

Losses

 

Fair Value

 

Losses

 

Fair Value

Available-for-sale:

Agencies

—

7,220

38,263

Mortgage-backed

1,268

8,556

58,748

Municipal bonds

452

235

Total

1,720

15,791

97,246


	December 31, 2025
	Less Than Twelve Months				Over Twelve Months
	Gross				Gross
	Unrealized				Unrealized
	Losses		Fair Value		Losses		Fair Value
Available-for-sale:
Agencies	$	—	$	—	$	6,982	$	38,499
Mortgage-backed		1		82		8,284		63,916
Municipal bonds		1		222		15		468
Total	$	2	$	304	$	15,281	$	102,883

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-9

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-2

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
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Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

+ Details

Core Deposit Intangibles (Details) - USD ($)		12 Months Ended
Core Deposit Intangibles (Details) - USD ($)	Oct. 16, 2020	Dec. 31, 2017	Jun. 30, 2026	Dec. 31, 2025
Core Deposit Intangibles
Core deposit intangibles, net			$ 46,000	$ 138,000
Core Deposit Intangibles
Core Deposit Intangibles
Accumulated amortization			$ 2,600,000	$ 2,500,000
Core Deposit Intangibles \| Loomis Federal Savings and Loan Association
Core Deposit Intangibles
Finite-lived intangible assets acquired	$ 3,000
Core Deposit Intangibles \| Other business acquisitions
Core Deposit Intangibles
Finite-lived intangible assets acquired		$ 2,705,000
Estimated useful life		120 months

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482558/350-40-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 985
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
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+ Details

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
Financial assets:
Available-for-sale debt securities	$ 100,856	$ 106,654
Held to maturity securities	23,449	26,040
Accrued interest receivable	1,685	1,451
Carrying Amount \| Level 1
Financial assets:
Cash and cash equivalents	25,376	47,595
Accrued interest receivable	1,685	1,451
Financial liabilities:
Accrued interest payable	596	735
Carrying Amount \| Level 2
Financial assets:
Certificates of deposit	870	870
Available-for-sale debt securities	100,856	106,654
Held to maturity securities	25,915	28,368
Financial liabilities:
Deposits	312,562	321,551
Carrying Amount \| Level 3
Financial assets:
Other Investments	2,158	2,158
Loans, net	282,289	267,949
Estimated Fair value \| Level 1
Financial assets:
Cash and cash equivalents	25,376	47,595
Accrued interest receivable	1,685	1,451
Financial liabilities:
Accrued interest payable	596	735
Estimated Fair value \| Level 2
Financial assets:
Certificates of deposit	870	870
Available-for-sale debt securities	100,856	106,654
Held to maturity securities	23,449	26,040
Financial liabilities:
Deposits	311,341	320,437
Estimated Fair value \| Level 3
Financial assets:
Other Investments	2,158	2,158
Loans, net	$ 273,980	$ 258,840

Earnings Per Share (EPS)

6 Months Ended

Jun. 30, 2026

Earnings Per Share (EPS)

Earnings Per Share (EPS)

13.Earnings Per Share (EPS)

Basic EPS represents income available to common stockholders divided by the weighted-average number of shares of common stock outstanding during the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue shares of common stock (such as stock options) were exercised or converted into additional shares of common stock that should then share in the earnings of the entity. Diluted EPS is computed by dividing net income attributable to common stockholders by the weighted-average number of shares of common stock outstanding for the period, plus the effect of potential dilutive common stock equivalents.

There were no securities or other contracts that had a dilutive effect during the three or six months ended June 30, 2026 or the year ended December 31, 2025, and therefore the weighted-average number of shares of common stock outstanding used to calculate both basic and diluted EPS is the same. Shares held by the ESOP that have not been allocated to employees in accordance with the terms of the ESOP, referred to as “unallocated ESOP shares”, are not deemed outstanding for purposes of the EPS calculation. EPS data is not applicable for the three and six months ended June 30, 2025 as the Company had no shares of its common stock outstanding at such date.


	Three months ended		Six months ended
	June 30, 2026		June 30, 2026
Net income (loss) applicable to shares of common stock	$	96,760	$	(21,592)

Average number of shares of common stock outstanding		8,096,938		8,096,938
Less: Average unallocated ESOP shares		(635,881)		(639,119)
Weighted average shares of common stock outstanding for basic EPS		7,461,057		7,457,819
Earnings (loss) per common share, basic and diluted	$	0.01	$	(0.00)

Earnings Per Share (EPS) (Tables)

6 Months Ended

Jun. 30, 2026

Earnings Per Share (EPS)

Schedule of weighted average shares outstanding


	Three months ended		Six months ended
	June 30, 2026		June 30, 2026
Net income (loss) applicable to shares of common stock	$	96,760	$	(21,592)

Average number of shares of common stock outstanding		8,096,938		8,096,938
Less: Average unallocated ESOP shares		(635,881)		(639,119)
Weighted average shares of common stock outstanding for basic EPS		7,461,057		7,457,819
Earnings (loss) per common share, basic and diluted	$	0.01	$	(0.00)

Loans Receivable

6 Months Ended

Jun. 30, 2026

Loans Receivable

Loans Receivable

5.Loans Receivable

Loans receivable consist of the following (in thousands):


	June 30, 2026			December 31, 2025
One to four residential	$	95,785		$	109,123
Purchased and participations		5,489			5,993
Home improvement, first mortgage		421			457
Home equity line of credit (HELOC)		6,511			5,431
Commercial, construction		49,556			46,124
Commercial and Industrial		26,692			23,169
Commercial Real Estate		89,727			76,338
Commercial Line of Credit (LOC)		17,971			9,706
Total		292,152			276,341
Add premiums on purchased loans		32			35
Less:
Loans sold		(5,853)			(4,386)
Loans in process		26			(304)
Allowance for credit losses		(2,952)			(2,682)
Deferred income from loan fees		(1,116)			(1,055)
	$	282,289		$	267,949

As of June 30, 2026, $5.0 million of loans sold related to the commercial real estate segment while $853,000 related to the one to four residential segment. As of December 31, 2025, $3.5 million of loans sold related to the commercial real estate segment while $886,000 related to the one to four residential segment. The loan balances used in the credit quality disclosures included in this footnote are presented gross, without reducing the balance for portions sold. All sold loans are current on payments, accruing and pass rated, and are disclosed as such within the one to four residential and commercial real estate segments in the respective subsequent table disclosures.

Accrued interest on loans totaling approximately $1.3 million and $1.0 million at June 30, 2026 and December 31, 2025 respectively, was excluded from the amortized cost basis of loans.

5.Loans Receivable (continued)

Activity in the allowance for credit losses is summarized for the three and six months ended June 30, 2026 and 2025, as follows (in thousands):


								Home
					Purchased			improvement									Commercial			Commercial
		One to Four			and			first						Commercial			and			real
		Residential			participations			mortgage			HELOC			construction			industrial			estate			LOC			Total
Allowance for Credit Loss
For the Three Months Ended
Beginning balance March 31, 2026		$	992		$	56		$	4		$	58		$	456		$	278		$	933		$	40		$	2,817
Provision			(24)			(1)			—			8			45			(8)			(26)			141			135
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			—			—			—			—			—			—			—			—			—
Ending balance June 30, 2026		$	968		$	55		$	4		$	66		$	501		$	270		$	907		$	181		$	2,952
Beginning balance March 31, 2025			1,102			78			2			52			238			191			495			115		$	2,273
Provision			8			(9)			—			(2)			109			(40)			96			(27)			135
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			4			—			—			—			—			—			—			—			4
Ending balance June 30, 2025		$	1,114		$	69		$	2		$	50		$	347		$	151		$	591		$	88		$	2,412

For the Six Months Ended
Beginning balance January 1, 2026		$	1,059		$	58		$	4		$	53		$	448		$	225		$	741		$	94		$	2,682
Provision			(91)			(3)			—			13			53			45			166			87			270
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			—			—			—			—			—			—			—			—			—
Ending balance June 30, 2026			968			55			4			66			501			270			907			181			2,952
Beginning balance January 1, 2025			1,074			75			2			52			195			186			435			107			2,126
Provision			24			(6)			—			(2)			152			(35)			156			(19)			270
Charge-offs			—			—			—			—			—			—			—			—			—
Recoveries			16			—			—			—			—			—			—			—			16
Ending balance June 30, 2025			1,114			69			2			50			347			151			591			88			2,412

5.Loans Receivable (continued)

The aging of loans receivable by class of receivable is as follows (in thousands):

June 30, 2026

30 – 89

90+

2026

Current

days

Total

Non-Accrual

One to four residential and home improvement

 

94,358

 

888

 

960

 

96,206

 

1,462

Purchased and Participations

5,454

5,489

—

Home Equity Line of Credit (HELOC)

6,411

100

—

6,511

—

Commercial & Industrial

26,692

—

26,692

—

Commercial real estate

89,727

—

89,727

—

Commercial, construction

49,556

—

49,556

—

Commercial Line of Credit (LOC)

17,971

—

17,971

—

290,169

998

985

292,152

1,462


		December 31, 2025
					30 – 89			90+
2025		Current			days			days			Total			Non-Accrual
One to four residential and home improvement		$	108,408		$	783		$	389		$	109,580		$	1,294
Purchased and Participations			5,951			—			42			5,993			—
Home Equity Line of Credit (HELOC)			5,281			137			13			5,431			—
Commercial & Industrial			23,169			—			—			23,169			—
Commercial real estate			76,338			—			—			76,338			—
Commercial, construction			46,124			—			—			46,124			—
Commercial Line of Credit (LOC)			9,706			—			—			9,706			—
		$	274,977		$	920		$	444		$	276,341		$	1,294

There were 29 participation loans with a balance of $24,962 that had no related allowance that were 90+ days past due and accruing interest at June 30, 2026 and none as of December 31, 2025. As of June 30, 2026, there was one non-accrual loan in the one to four residential class with a balance of $254,790 that had a related allowance of $164,863. As of December 31, 2025, there was one non-accrual loan in the one to four residential class with a balance of $257,044 that had a related allowance of $50,958. No material amount of accrued interest was written off by reversing interest income during the three and six months ended June 30, 2026 or 2025.

When, for economic or legal reasons related to the borrower’s financial difficulties, the Bank grants a concession to the borrower that the Bank would not otherwise consider, the modified loan is classified as a troubled loan modification (TLM). TLMs may consist of forgiveness of interest and/or principal, a reduction of the interest rate, interest-only payments for a period of time, and/or the extension of amortization terms. There were no new TLMs in the three and six months ended June 30, 2026 or 2025.

The Bank considers a TLM in default if it becomes past due more than 30 days. No TLMs defaulted within 12 months of their modification date during the three and six months ended June 30, 2026 or 2025.

There were no significant changes in the extent to which collateral secured our collateral dependent loans as of June 30, 2026 and December 31, 2025. At June 30, 2026 and December 31, 2025, we had approximately $280,749 and $27,650, respectively, of residential real-estate collateral dependent loans without an allowance and no collateral dependent loans with an allowance.

The Bank has no commitments to loan additional funds to borrowers whose loans have been determined to be collateral dependent.

There were no mortgage loans in the process of foreclosure at June 30, 2026, and an aggregate of $324,000 in principal amount of mortgage loans in the process of foreclosure at December 31, 2025.

5.Loans Receivable (continued)

Business commercial loans are generally evaluated using the following internally prepared ratings:

“Pass” ratings are assigned to loans with adequate collateral and debt service ability such that collectability of the contractual loan payments is highly probable.

“Watch / special mention” ratings are assigned to loans where management has some concern that the collateral or debt service ability may not be adequate, though the collectability of the contractual loan payments is still probable.

“Substandard” ratings are assigned to loans that do not have adequate collateral and/or debt service ability such that collectability of the contractual loan payments is no longer probable.

“Doubtful” ratings are assigned to loans that do not have adequate collateral and/or debt service ability, and collectability of the contractual loan payments is unlikely.


June 30, 2026		2026			2025			2024			2023			2022			Prior			Revolvers			Total
Pass
One to four residential		$	2,168		$	3,105		$	3,930		$	3,673		$	6,613		$	74,666		$	—		$	94,155
Purchased and Participations			—			—			—			—			—			5,489			—			5,489
Home improvement, first mortgage			99			170			—			121			20			11			—			421
Home equity line of credit			—			—			—			—			—			—			6,511			6,511
Commercial construction			2,720			24,548			9,924			12,364			—			—			—			49,556
Commercial and industrial			886			19,308			4,660			452			—			—			—			25,306
Commercial real estate			29,652			28,452			14,023			17,373			—			—			—			89,500
Commercial line of credit			2,375			647			14,949			—			—			—			—			17,971
Total pass		$	37,900		$	76,230		$	47,486		$	33,983		$	6,633		$	80,166		$	6,511		$	288,909
Special Mention
One to four residential			—			—			—			—			—			168			—			168
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			—			1,386			—			—			—			—			1,386
Commercial real estate			—			—			227			—			—			—			—			227
Commercial line of credit			—			—			—			—			—			—			—			—
Total special mention		$	—		$	—		$	1,613		$	—		$	—		$	168		$	—		$	1,781
Substandard
One to four residential			—			—			—			—			—			1,462			—			1,462
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			—			—			—			—			—			—			—
Commercial real estate			—			—			—			—			—			—			—			—
Commercial line of credit			—			—			—			—			—			—			—			—
Total substandard		$	—		$	—		$	—		$	—		$	—		$	1,462		$	—		$	1,462
Total		$	37,900		$	76,230		$	49,099		$	33,983		$	6,633		$	81,796		$	6,511		$	292,152

5.Loans Receivable (continued)


December 31, 2025		2025			2024			2023			2022			2021			Prior			Revolvers			Total
Pass
One to four residential		$	3,147		$	4,897		$	3,822		$	7,009		$	24,385		$	63,877		$	—		$	107,137
Purchased and Participations			—			—			—			—			—			5,993			—			5,993
Home improvement, first mortgage			290			—			129			21			—			17			—			457
Home equity line of credit			—			—			—			—			—			—			5,431			5,431
Commercial construction			20,074			12,573			13,477			—			—			—			—			46,124
Commercial and industrial			10,455			11,215			477			—			—			—			—			22,147
Commercial real estate			29,650			34,162			12,296			—			—			—			—			76,108
Commercial line of credit			648			3,558			5,500			—			—			—			—			9,706
Total pass		$	64,264		$	66,405		$	35,701		$	7,030		$	24,385		$	69,887		$	5,431		$	273,103
Special Mention
One to four residential			—			—			—			—			521			171			—			692
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			1,022			—			—			—			—			—			1,022
Commercial real estate			—			230			—			—			—			—			—			230
Commercial line of credit			—			—			—			—			—			—			—			—
Total special mention		$	—		$	1,252		$	—		$	—		$	521		$	171		$	—		$	1,944
Substandard
One to four residential			—			—			—			—			—			1,294			—			1,294
Purchased and Participations			—			—			—			—			—			—			—			—
Home improvement, first mortgage			—			—			—			—			—			—			—			—
Home equity line of credit			—			—			—			—			—			—			—			—
Commercial construction			—			—			—			—			—			—			—			—
Commercial and industrial			—			—			—			—			—			—			—			—
Commercial real estate			—			—			—			—			—			—			—			—
Commercial line of credit			—			—			—			—			—			—			—			—
Total substandard		$	—		$	—		$	—		$	—		$	—		$	1,294		$	—		$	1,294
Total		$	64,264		$	67,657		$	35,701		$	7,030		$	24,906		$	71,352		$	5,431		$	276,341

 

2026

 

2025

 

2024

 

2023

 

2022

 

Prior

 

Revolvers

 

Total

Current gross write-offs for the six months ended June 30, 2025

One to four residential

—

Purchased and Participations

—

Home improvement, first mortgage

—

Home equity line of credit

—

Commercial construction

—

Commercial and industrial

—

Commercial real estate

—

Commercial line of credit

—

Total

—

Current gross write-offs for the six months ended June 30, 2026

One to four residential

—

Purchased and Participations

—

Home improvement, first mortgage

—

Home equity line of credit

—

Commercial construction

—

Commercial and industrial

—

Commercial real estate

—

Commercial line of credit

—

Total

—

CONSOLIDATED BALANCE SHEETS - USD ($)	Jun. 30, 2026	Dec. 31, 2025
Assets
Cash and cash equivalents	$ 25,376,000	$ 47,595,000
Certificates of deposit in other financial institutions	870,000	870,000
Investment securities:
Available-for-sale, (amortized cost of $116,635 and $121,879 at June 30, 2026 and December 31, 2025, respectively)	100,856,000	106,654,000
Held-to-maturity, at amortized cost	25,915,000	28,368,000
Federal Home Loan Bank of Chicago stock (FHLB)	1,166,000	1,166,000
Bankers Bank stock	992,000	992,000
Real Estate Owned (REO)	729,000	729,000
Loans receivable, net of allowance for credit losses of $2,952 and $2,682 at June 30, 2026 and December 31, 2025, respectively	282,289,000	267,949,000
Premises and equipment, net	7,337,000	7,420,000
Accrued interest receivable	1,685,000	1,451,000
Bank-owned life insurance (BOLI)	20,356,000	14,949,000
Core deposit intangibles	46,000	138,000
Deferred tax assets	9,480,000	9,366,000
Other assets	2,862,000	1,730,000
Total assets	479,959,000	489,377,000
Liabilities:
Deposits	312,562,000	321,551,000
Advances from borrowers for taxes and insurance	3,067,000	3,060,000
Accounts payable and accrued expenses	3,187,000	3,400,000
Total liabilities	318,816,000	328,011,000
Stockholders' Equity:
Preferred stock, $0.01 par value, 500,000 shares authorized, none issued
Common stock, $0.01 par value, 9,500,000 shares authorized, 8,096,938 issued and outstanding	81,000	81,000
Unallocated common stock - ESOP	(6,326,000)	(6,456,000)
Additional paid-in capital	77,307,000	77,241,000
Retained earnings	101,364,000	101,386,000
Accumulated other comprehensive loss	(11,283,000)	(10,886,000)
Total stockholders' equity	161,143,000	161,366,000
Total liabilities and stockholders' equity	$ 479,959,000	$ 489,377,000

CONSOLIDATED STATEMENT OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Interest income:
Loans receivable	$ 4,551,000	$ 3,925,000	$ 8,786,000	$ 7,646,000
Investment securities	673,000	787,000	1,366,000	1,603,000
Other	186,000	284,000	513,000	526,000
Total interest income	5,410,000	4,996,000	10,665,000	9,775,000
Interest expense, deposits	(983,000)	(1,633,000)	(2,034,000)	(3,298,000)
Net interest income	4,427,000	3,363,000	8,631,000	6,477,000
Provision for credit losses	(135,000)	(135,000)	(270,000)	(270,000)
Net interest income after provision for credit losses	4,292,000	3,228,000	8,361,000	6,207,000
Noninterest income:
Customer service fees	164,000	40,000	259,000	73,000
Other	233,000	178,000	417,000	343,000
Total noninterest income	397,000	218,000	676,000	416,000
Noninterest expense:
Compensation	(2,405,000)	(1,615,000)	(4,854,000)	(3,473,000)
Occupancy	(582,000)	(547,000)	(1,208,000)	(1,108,000)
Advertising	(81,000)	(33,000)	(149,000)	(37,000)
Amortization of core deposit intangible	(46,000)	(46,000)	(92,000)	(92,000)
Other	(1,429,000)	(1,015,000)	(2,762,000)	(1,965,000)
Total noninterest expense	(4,543,000)	(3,256,000)	(9,065,000)	(6,675,000)
Income (Loss) before income taxes	146,000	190,000	(28,000)	(52,000)
Income tax (benefit):
Tax Expense (benefit)	50,000	72,000	(6,000)	(5,000)
Net income (loss)	$ 96,000	118,000	$ (21,592)	(47,000)
Earnings (loss) per share - basic	$ 0.01		$ 0
Earnings (loss) per share - diluted	$ 0.01		$ 0
Weighted average shares of common stock outstanding - basic	7,461,057		7,457,819
Weighted average shares of common stock outstanding - diluted	7,461,057		7,457,819
Other comprehensive income (loss):
Unrealized gain (loss) on securities available-for-sale, net of income taxes of ($55) for three months ended June 30, 2026 and ($157) for six months ended June 30, 2026, and ($335) for three months ended June 30, 2025 and ($1,240) for six months ended June 30, 2025.	$ (139,000)	843,000	$ (397,000)	3,111,000
Total other comprehensive income	(139,000)	843,000	(397,000)	3,111,000
Comprehensive income (loss)	$ (43,000)	$ 961,000	$ (419,000)	$ 3,064,000

Deposits

6 Months Ended

Jun. 30, 2026

Deposits.

Deposits

8.Deposits

Deposit accounts consist of the following (in thousands):


		June 30,			December 31,
		2026			2025
Demand accounts
Passbook accounts		$	86,560		$	89,870
NOW accounts			63,128			54,215
Daily money market accounts			17,174			16,239
Total demand deposits			166,862			160,324
Certificates of deposit			145,700			161,227
Total of all deposit accounts		$	312,562		$	321,551

Time deposits that meet or exceed the FDIC insurance limit of $250,000 totaled $33.6 million at June 30, 2026 and $39.0 million at December 31, 2025.

Premises and Equipment

6 Months Ended

Jun. 30, 2026

Premises and Equipment

Premises and Equipment

6.Premises and Equipment

Premises and equipment consist of the following (in thousands):


		June 30,			December 31,
		2026			2025
Land		$	961		$	961
Buildings and improvements			17,575			17,459
Furniture, fixtures, and equipment			2,710			2,666
Total			21,246			21,086
Less accumulated depreciation			14,047			13,725
Construction in progress			138			59
		$	7,337		$	7,420

The Bank leases a building for one of its branches. The Bank does not have any future lease commitments for that facility, and is operating on a month-to-month basis. Rent expense was $20,400 and $40,800 during the three and six months ended June 30, 2026, respectively. Rent expense was $20,400 and $40,800 during the three and six months ended June 30, 2025, respectively. The Bank also leases its Oak Park office. The three year lease was effective in January of 2023 and expired on December 31, 2025, and the Bank did not include renewal option periods in the original right of use asset as the renewal option was not determined to be reasonably certain to occur at lease inception. The lease was renewed in January of 2026. The right of use asset and lease liability are $337,661 and $339,174, respectively, as of June 30, 2026, and $0 as of December 31, 2025. The right of use asset is included in other assets on the consolidated balance sheet and the lease liability is included in accounts payable and accrued expenses on the consolidated balance sheet. There are four years and six months remaining on the lease, all payments will be made by 2030. The payments remaining on the lease consist of the following for the periods presented:


		Remaining Future
		Lease Payments
2026		$	39,000
2027			80,000
2028			82,000
2029			83,000
2030			85,000
		$	369,000

- Definition

The entire disclosure for property, plant, and equipment. Includes, but is not limited to, land and land improvement; building; machinery and equipment; furniture and fixture; and work of art, historical treasure, or similar asset classified as collection.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 360
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482099/360-10-50-3

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 360
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482099/360-10-50-3

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/360/tableOfContent

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 2
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-URI https://asc.fasb.org/1943274/2147482099/360-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 10
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-Section 45
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482130/360-10-45-13

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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-SubTopic 10
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-Paragraph 2
-Subparagraph (SAB Topic 5.CC)
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-URI https://asc.fasb.org/1943274/2147480091/360-10-S99-2

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-SubTopic 360
-Topic 958
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477798/958-360-50-7

+ Details

Summary of Significant Accounting Policies (Policies)	6 Months Ended
Summary of Significant Accounting Policies (Policies)	Jun. 30, 2026
Summary of Significant Accounting Policies
Principles of Consolidation	Principles of Consolidation — The consolidated financial statements for the three and six months ended June 30, 2026 include the accounts and results of operations of Hoyne Bancorp, Inc. and Hoyne Savings Bank. The comparable periods in 2025 contain the results of Hoyne Savings, MHC, Hoyne Financial Corporation, and Hoyne Savings Bank and Prospect Services Incorporated. Significant intercompany accounts and transactions have been eliminated in consolidation.
Use of Estimates	Use of Estimates — The preparation of financial statements in accordance with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities and activities at the date of the financial statements, and during the reporting period. Actual results could differ from those estimates. Significant estimates used in the preparation of these financial statements and disclosures include the allowance for credit losses, realizability of net deferred income tax assets and the fair values of financial instruments. For these estimates, it is reasonably possible that the recorded amounts or related disclosures could significantly change in the near future as more information is available.
Future Accounting Pronouncements	Future Accounting Pronouncements — In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amendments in this ASU improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation table, as well as income taxes paid disaggregated by jurisdiction. These expanded disclosures allow investors to better assess how an entity’s overall operations, including the related tax risks, tax planning, and operational opportunities, affect its income tax rate and prospects for future cash flows. The updated guidance is effective for annual periods beginning after December 15, 2025, and management believes these disclosures will not have a material impact on the consolidated financial statements.

- Definition

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
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-Section S99
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (c)
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-URI https://asc.fasb.org/1943274/2147482861/275-10-50-1

+ Details

Loans Receivable - Activity in the allowance for credit losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Allowance for Credit Loss
Beginning balance	$ 2,817	$ 2,273	$ 2,682	$ 2,126
Provision	135	135	270	270
Recoveries		4		16
Ending balance	2,952	2,412	2,952	2,412
Residential \| One to Four Residential
Allowance for Credit Loss
Beginning balance	992	1,102	1,059	1,074
Provision	(24)	8	(91)	24
Recoveries		4		16
Ending balance	968	1,114	968	1,114
Residential \| Purchased and participations
Allowance for Credit Loss
Beginning balance	56	78	58	75
Provision	(1)	(9)	(3)	(6)
Ending balance	55	69	55	69
Residential \| Home improvement, first mortgage
Allowance for Credit Loss
Beginning balance	4	2	4	2
Ending balance	4	2	4	2
Residential \| HELOC
Allowance for Credit Loss
Beginning balance	58	52	53	52
Provision	8	(2)	13	(2)
Ending balance	66	50	66	50
Commercial \| Commercial construction
Allowance for Credit Loss
Beginning balance	456	238	448	195
Provision	45	109	53	152
Ending balance	501	347	501	347
Commercial \| Commercial and Industrial
Allowance for Credit Loss
Beginning balance	278	191	225	186
Provision	(8)	(40)	45	(35)
Ending balance	270	151	270	151
Commercial \| LOC
Allowance for Credit Loss
Beginning balance	40	115	94	107
Provision	141	(27)	87	(19)
Ending balance	181	88	181	88
Commercial Real Estate \| Commercial real estate
Allowance for Credit Loss
Beginning balance	933	495	741	435
Provision	(26)	96	166	156
Ending balance	$ 907	$ 591	$ 907	$ 591

Investment Securities - Available-for-Sale (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2026	Dec. 31, 2025
Amortized cost and fair value of AFS securities:
Amortized Cost	$ 116,635	$ 121,879
Gross Unrealized Gains	31	58
Gross Unrealized Losses	(15,810)	(15,283)
Estimated Fair Value	100,856	106,654
Amortized cost of AFS securities by contractual maturity:
Due in 1 to 5 years	16,486
Due after 5 years to 10 years	29,707
Total	46,193
Mortgage-backed	70,442
Amortized Cost	116,635	121,879
Fair value of AFS securities by contractual maturity:
Due in 1 to 5 years	14,807
Due after 5 years to 10 years	24,143
Total	38,950
Mortgage-backed	61,906
Total	100,856	106,654
AFS Debt securities with gross unrealized losses:
Gross Unrealized Losses, Less than Twelve Months	19	2
Gross Unrealized Losses, Over Twelve Months	15,791	15,281
Fair Value, Less than Twelve Months	1,720	304
Fair Value, Over Twelve Months	97,246	102,883
Agencies
Amortized cost and fair value of AFS securities:
Amortized Cost	45,483	45,481
Gross Unrealized Losses	(7,220)	(6,982)
Estimated Fair Value	38,263	38,499
Amortized cost of AFS securities by contractual maturity:
Amortized Cost	45,483	45,481
Fair value of AFS securities by contractual maturity:
Total	38,263	38,499
AFS Debt securities with gross unrealized losses:
Gross Unrealized Losses, Over Twelve Months	7,220	6,982
Fair Value, Over Twelve Months	38,263	38,499
Mortgage-backed
Amortized cost and fair value of AFS securities:
Amortized Cost	70,442	75,692
Gross Unrealized Gains	31	58
Gross Unrealized Losses	(8,567)	(8,285)
Estimated Fair Value	61,906	67,465
Amortized cost of AFS securities by contractual maturity:
Amortized Cost	70,442	75,692
Fair value of AFS securities by contractual maturity:
Total	61,906	67,465
AFS Debt securities with gross unrealized losses:
Gross Unrealized Losses, Less than Twelve Months	11	1
Gross Unrealized Losses, Over Twelve Months	8,556	8,284
Fair Value, Less than Twelve Months	1,268	82
Fair Value, Over Twelve Months	58,748	63,916
Municipal bonds
Amortized cost and fair value of AFS securities:
Amortized Cost	710	706
Gross Unrealized Losses	(23)	(16)
Estimated Fair Value	687	690
Amortized cost of AFS securities by contractual maturity:
Amortized Cost	710	706
Fair value of AFS securities by contractual maturity:
Total	687	690
AFS Debt securities with gross unrealized losses:
Gross Unrealized Losses, Less than Twelve Months	8	1
Gross Unrealized Losses, Over Twelve Months	15	15
Fair Value, Less than Twelve Months	452	222
Fair Value, Over Twelve Months	$ 235	$ 468

Investment Securities

6 Months Ended

Jun. 30, 2026

Investment Securities

Investment Securities

4.Investment Securities

The amortized cost and fair value of securities available-for-sale and held-to-maturity, with gross unrealized gains and losses, are as follows (in thousands):


	June 30, 2026
	Amortized		Gross Unrealized				Estimated
	Cost		Gains		Losses		Fair Value
Available-for-sale securities:
Agencies	$	45,483	$	—	$	(7,220)	$	38,263
Mortgage-backed		70,442		31		(8,567)		61,906
Municipal bonds		710		—		(23)		687
Total available-for-sale securities	$	116,635	$	31	$	(15,810)	$	100,856
Held-to-maturity securities:
Agencies	$	1,981	$	—	$	(407)	$	1,574
Mortgage-backed		23,686		17		(2,046)		21,657
Municipal bonds		248		—		(30)		218
Total Held-to-maturity securities	$	25,915	$	17	$	(2,483)	$	23,449


	December 31, 2025
	Amortized		Gross Unrealized				Estimated
	Cost		Gains		Losses		Fair Value
Available-for-sale securities:
Agencies	$	45,481	$	-	$	(6,982)	$	38,499
Mortgage-backed		75,692		58		(8,285)		67,465
Municipal bonds		706		-		(16)		690
Total available-for-sale securities	$	121,879	$	58	$	(15,283)	$	106,654
Held-to-maturity securities:
Agencies	$	1,980	$	—	$	(400)	$	1,580
Mortgage-backed		26,140		27		(1,926)		24,241
Municipal bonds		248		—		(29)		219
Total Held-to-maturity securities	$	28,368	$	27	$	(2,355)	$	26,040

4.Investment Securities (continued)

The amortized cost and fair value of investment securities by contractual maturity are as follows (in thousands):

June 30, 2026

Available-for-Sale

Held-to-Maturity

Amortized

 

Cost

 

Fair Value

 

Cost

 

Fair Value

Due in 1 year or less

—

Due in 1 to 5 years

16,486

14,807

—

Due after 5 years to 10 years

29,707

24,143

2,229

1,792

Due after 10 years

—

Total

46,193

38,950

2,229

1,792

Mortgage-backed

70,442

61,906

23,686

21,657

Total

116,635

100,856

25,915

23,449

There were no sales of investment securities available-for-sale during the three and six months ended June 30, 2026 or 2025.

June 30, 2026

Less Than Twelve Months

Over Twelve Months

Gross

Unrealized

Losses

 

Fair Value

 

Losses

 

Fair Value

Available-for-sale:

Agencies

—

7,220

38,263

Mortgage-backed

1,268

8,556

58,748

Municipal bonds

452

235

Total

1,720

15,791

97,246


	December 31, 2025
	Less Than Twelve Months				Over Twelve Months
	Gross				Gross
	Unrealized				Unrealized
	Losses		Fair Value		Losses		Fair Value
Available-for-sale:
Agencies	$	—	$	—	$	6,982	$	38,499
Mortgage-backed		1		82		8,284		63,916
Municipal bonds		1		222		15		468
Total	$	2	$	304	$	15,281	$	102,883

4.Investment Securities (continued)

At June 30, 2026, 23 available-for-sale agencies securities are in an unrealized loss position with aggregate depreciation of 15.87% from the Bank’s amortized cost basis, 172 available-for-sale mortgage-backed securities are in an unrealized loss position with aggregate depreciation of 12.49 % from the amortized cost basis, and three available-for-sale municipal bond securities are in an unrealized loss position with aggregate depreciation of 3.29% from the amortized cost basis. These unrealized losses relate principally to the changes in interest rates and are not due to changes in the financial condition of the issuer, the quality of any underlying assets, or applicable credit enhancements. In reaching the conclusion that an allowance for credit losses is unnecessary, management observed that the securities were issued by a government body or agency, the securities continue to be highly rated (AA or better) where applicable, the issuer continues to make contractual payments, and the quality of any underlying assets or credit enhancements has not changed. Since management has the ability to hold debt securities for the foreseeable future, we expect to recover the amortized cost basis of these securities before they are sold or mature.

We regularly evaluate various attributes of securities held to maturity to determine the appropriateness of the allowance for credit losses. The credit quality indicators monitored differ depending on the major security type.

We evaluate the credit quality of securities issued by the U.S. government (e.g., U.S. Treasury bonds) and U.S. government-sponsored agencies (e.g., Federal National Mortgage Association and Federal Home Loan Mortgage Corporation mortgage-backed securities) by considering the creditworthiness and performance of the securities and the strength of guarantees. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies, and have a long history of no credit losses. Based on this analysis, management believes we will collect all amounts owed on these securities and, accordingly, we have not recognized an allowance for credit losses on these securities.

Other securities held to maturity are generally evaluated using credit ratings, which are a key indicator of a debt security’s probability of default. We use credit ratings issued by S&P or Moody’s (or both). These ratings are updated monthly. We may also consider other relevant information that becomes known about the issuers or the security’s performance.

No accrued interest was written off during the three or six months ended June 30, 2026 and 2025. No securities held to maturity were past due or on nonaccrual as of June 30, 2026 and December 31, 2025. We exclude accrued interest receivable from the amortized cost basis of both securities held to maturity and available for sale when estimating credit losses and when presenting required disclosures in the financial statements. Accrued interest on securities held to maturity totaling approximately $64,000 and $69,000 and accrued interest on securities available for sale totaling approximately $271,000 and $312,000 at June 30, 2026 and December 31, 2025, respectively, was excluded from the amortized cost basis of securities held to maturity and available for sale.

CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
Net cash flows from operating activities:
Net Income (loss)	$ (22)	$ (47)
Adjustments to reconcile net income (loss) to net cash from operating activities:
Depreciation	315	267
(Accretion) amortization of premiums and discounts	(17)	5
Provision for credit losses	270	270
Amortization of core deposit intangible	92	92
Accretion of Loan credit and yield adjustment	(25)	(20)
Increase in cash surrender value of BOLI	(407)	(330)
ESOP compensation expense	196
Change in other assets	(1,133)	(479)
Change in accrued interest receivable	(234)	125
Deferred income tax benefit	(114)	2,034
Change in accounts payable and accrued expenses	(213)	814
Net cash flows provided (used) by operating activities	(1,292)	2,731
Net cash flows from investing activities:
Purchase of BOLI	(5,000)	2,701
Proceeds from maturities of certificates of deposit	870	1,350
Purchase of certificates of deposit	(870)	(870)
Proceeds from repayment of available-for-sale securities	5,424	7,006
Repayment of held-to-maturity securities	2,448	2,893
Change in loans receivable	(14,585)	(7,558)
Disposal of fixed assets		635
Purchase of premises and equipment	(232)	(394)
Net cash flows provided (used) by investing activities	(11,945)	5,763
Net cash flows from financing activities:
Change in deposit accounts	(8,989)	(111)
Change in advances from borrowers for taxes and insurance	7	129
Net cash flows provided (used) by financing activities	(8,982)	18
Net change in cash and cash equivalents	(22,219)	8,512
Cash and cash equivalents:
Beginning of the period	47,595	15,327
End of the period	25,376	23,839
Supplemental cash flow information:
Cash paid during the period for Interest	$ 1,800	3,423
Premises and Equipment transferred to ORE		$ 729

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($)	Common Stock	Unallocated Common Stock - ESOP	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Total
Beginning balance at Dec. 31, 2024				$ 101,720,000	$ (15,891,000)	$ 85,829,000
Increase (decrease) in equity
us-gaap:NetIncomeLoss				(47,000)		(47,000)
Other comprehensive income (loss)					3,111,000	3,111,000
Ending balance at Jun. 30, 2025				101,673,000	(12,780,000)	88,893,000
Beginning balance at Mar. 31, 2025				101,555,000	(13,623,000)	87,932,000
Increase (decrease) in equity
us-gaap:NetIncomeLoss				118,000		118,000
Other comprehensive income (loss)					843,000	843,000
Ending balance at Jun. 30, 2025				101,673,000	(12,780,000)	88,893,000
Beginning balance at Dec. 31, 2025	$ 81,000	$ (6,456,000)	$ 77,241,000	101,386,000	(10,886,000)	161,366,000
Increase (decrease) in equity
us-gaap:NetIncomeLoss				(22,000)		(21,592)
ESOP shares committed to be released		130,000	66,000			196,000
Other comprehensive income (loss)					(397,000)	(397,000)
Ending balance at Jun. 30, 2026	81,000	(6,326,000)	77,307,000	101,364,000	(11,283,000)	161,143,000
Beginning balance at Mar. 31, 2026	81,000	(6,391,000)	77,269,000	101,268,000	(11,144,000)	161,083,000
Increase (decrease) in equity
us-gaap:NetIncomeLoss				96,000		96,000
ESOP shares committed to be released		65,000	38,000			103,000
Other comprehensive income (loss)					(139,000)	(139,000)
Ending balance at Jun. 30, 2026	$ 81,000	$ (6,326,000)	$ 77,307,000	$ 101,364,000	$ (11,283,000)	$ 161,143,000

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

- Definition

Amount after tax and reclassification adjustments of other comprehensive income (loss).

+ References

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Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.

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+ Details

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
CONSOLIDATED BALANCE SHEETS
Investment securities: Available-for-sale, at amortized cost	$ 116,635	$ 121,879
Loans receivable, allowance for credit losses	$ 2,952	$ 2,682
Preferred stock, par value per share	$ 0.01	$ 0.01
Preferred stock, authorized	500,000	500,000
Preferred stock, issued	0	0
Common stock, par value per share	$ 0.01	$ 0.01
Common stock, authorized	9,500,000	9,500,000
Common stock, issued	8,096,938	8,096,938
Common stock, outstanding	8,096,938	8,096,938

Fair Value of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2026

Fair Value of Financial Instruments.

Schedule of carrying amounts and estimated fair value of financial instruments

The carrying amounts and estimated fair value (in thousands) of our financial instruments at June 30, 2026 and December 31, 2025 are as follows (in thousands):

 

June 30,

December 31,

2026

2025

Carrying

Estimated

Carrying

Estimated

 

Amount

 

Fair Value

 

Amount

 

Fair Value

Financial assets:

Cash and cash equivalents

Level 1

25,376

47,595

Certificates of deposit

Level 2

870

870

Investment securities AFS

Level 2

100,856

106,654

Investment securities HTM

Level 2

25,915

23,449

28,368

26,040

Other Investments

Level 3

2,158

2,158

Accrued interest receivable

Level 1

1,685

1,451

Loans, net

Level 3

282,289

273,980

267,949

258,840

Financial liabilities:

Deposits

Level 2

312,562

311,341

321,551

320,437

Accrued interest payable

Level 1

596

735

Deposits (Tables)

6 Months Ended

Jun. 30, 2026

Deposits.

Schedule of deposits by type

Deposit accounts consist of the following (in thousands):


		June 30,			December 31,
		2026			2025
Demand accounts
Passbook accounts		$	86,560		$	89,870
NOW accounts			63,128			54,215
Daily money market accounts			17,174			16,239
Total demand deposits			166,862			160,324
Certificates of deposit			145,700			161,227
Total of all deposit accounts		$	312,562		$	321,551

- Definition

Tabular disclosure of type of deposit liability.

+ References

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+ Details

Regulatory Information

6 Months Ended

Jun. 30, 2026

Regulatory Information

Regulatory Information

11.Regulatory Information

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.

Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items, as calculated under regulatory accounting practices. The Bank’s capital amounts and classification may also be subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

The Bank qualified for and elected to opt into the optional Community Bank Leverage Ratio Framework (“CBLRF”). The CBLRF provides for a simple measure of capital adequacy for certain community banking organizations consistent with section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. Generally, depository institutions and depository institution holding companies that have less than $10 billion in total consolidated assets and meet other qualifying criteria, including a Tier 1 leverage ratio of greater than nine percent, are considered qualifying community banking organizations and are eligible to opt into the community bank leverage ratio framework.

Qualifying community banking organizations that elect to use the CBLRF and that maintain a leverage ratio of greater than nine percent are considered to have satisfied the risk-based and leverage capital requirements in the agencies’ generally applicable capital rule. Additionally, such insured depository institutions are considered to have met the well-capitalized ratio requirements for purposes of section 38 of the Federal Deposit Insurance Act. The CBLRF does not have a total capital requirement; therefore, an electing banking organization is not required to calculate Tier 2 capital or make any Tier 2 capital deductions under the generally applicable capital rule. The leverage ratio required for purposes of the CBLRF is calculated as Tier 1 capital divided by average total consolidated assets, consistent with how banking organizations calculate their leverage ratio under the generally applicable capital rule. In November 2025, the OCC and the FDIC jointly issued a proposal to reduce the minimum leverage ratio for opting-in banks from 9% to 8%, effective July 1, 2026. The table below presents the leverage ratio and capital adequacy requirements under the CBLRF.


							Requirements
							Well
							Capitalized
							Under Prompt
							Corrective
		Actual					Action Provisions
		Amount			Ratio		Amount			Ratio
As of June 30, 2026
Tier 1 capital (to average assets for the leverage ratio)		$	127,377		27.3	%	$	42,050		9.0	%
As of December 31, 2025:
Tier 1 capital (to average assets for the leverage ratio)		$	126,916		24.8	%	$	46,351		9.0	%

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1D
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A

+ Details

Fair Value Measurements and Disclosures (Tables)

6 Months Ended

Jun. 30, 2026

Fair Value Measurements

Schedule of assets measured at fair value on a recurring basis

 

Assets Measured at Fair Value on a Recurring Basis

At June 30, 2026

 

Quoted Prices

 

Significant

 

in Active

Other

Significant

Markets for

Observable

Unobservable

Balance

Identical Assets

Inputs

at June 30,

(Level 1)

(Level 2)

(Level 3)

2026

Available-for-sale debt securities:

Mortgage-backed

—

61,906

—

61,906

Agencies

—

38,263

—

38,263

Municipal bonds

—

687

—

687

Total available-for-sale debt securities

—

100,856

—

100,856


		Assets Measured at Fair Value on a Recurring Basis
		At December 31, 2025
		Quoted Prices			Significant
		in Active			Other			Significant
		Markets for			Observable			Unobservable			Balance
		Identical Assets			Inputs			Inputs			at December 31,
		(Level 1)			(Level 2)			(Level 3)			2025
Available-for-sale debt securities:
Mortgage-backed		$	—		$	67,465		$	—		$	67,465
Agencies			—			38,499			—			38,499
Municipal Bonds			—			690			—			690
Total available-for-sale debt securities		$	—		$	106,654		$	—		$	106,654

CONSOLIDATED STATEMENT OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
CONSOLIDATED STATEMENT OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS)
Unrealized gain (loss) on securities available-for-sale, income tax (benefit)	$ (55)	$ (335)	$ (157)	$ (1,240)

Nature of Operations (Details)	6 Months Ended
Nature of Operations (Details)	Jun. 30, 2026 segment
Nature of Operations
Number of operating segments	1

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Jun. 30, 2026
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false