What does off-balance sheet commitments (contractual) mean?

Represents the total potential funding obligations the bank has committed to provide to customers, such as unused lines of credit or construction loan commitments. While not currently on the balance sheet, these represent significant contingent liquidity needs.

Hoyne Bancorp, Inc. HYNE Off-Balance Sheet Commitments (Contractual)

Off-Balance Sheet Commitments (Contractual) at other companies

Wintrust FinancialWTFC

$31.2M+100%

JPMorgan ChaseJPM

——

Sound Financial BancorpSFBC

——

Other financials

Income statement

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Revenue$4.5M+35.4%

Net income-$118.4K+28.7%

EPS (diluted)-$0.02-367%

Balance sheet

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Cash & equivalents$13.5M-56.8%

Total debt$26.0K—

Total equity$161.1M+83.2%

Total assets$477.2M—

Cash flow

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Operating cash flow-$821.1K-191%

CapEx$48.6K-71.7%

Free cash flow-$869.8K-219%

Valuation

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Market cap$124.36M+11.9%

P/E443.6×—

P/S7.6×—

Profitability

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Net margin1.7%—

FCF margin-7.2%—

Returns & leverage

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Return on equity0.2%—

Debt / equity0×—

Where this comes from

Reported directly by Hoyne Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:LoansAndLeasesReceivableImpairedCommitmentToLend.

The official record: Hoyne Bancorp, Inc. ’s 10-Q, filed May 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Hoyne Bancorp, Inc. 's off-balance sheet commitments (contractual)?: Hoyne Bancorp, Inc. (HYNE) reported off-balance sheet commitments (contractual) of $0 in Q1 2026.
What does off-balance sheet commitments (contractual) mean?: Represents the total potential funding obligations the bank has committed to provide to customers, such as unused lines of credit or construction loan commitments. While not currently on the balance sheet, these represent significant contingent liquidity needs.