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  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-sub-2026.xsd" />
  <xsd:element name="OtherInvestmentsFairValueDisclosure" id="hyne_OtherInvestmentsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccruedInterestReceivableFairValueDisclosure" id="hyne_AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccruedInterestPayable" id="hyne_AccruedInterestPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InvestmentSecuritiesAbstract" id="hyne_InvestmentSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncreaseDecreaseInCashSurrenderValueOfBankOwnedLifeInsurance" id="hyne_IncreaseDecreaseInCashSurrenderValueOfBankOwnedLifeInsurance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NatureOfOperationsAbstract" id="hyne_NatureOfOperationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoomisFederalSavingsAndLoanAssociationMember" id="hyne_LoomisFederalSavingsAndLoanAssociationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureDepreciationOfAmortizedCostBasisPercentage" id="hyne_AvailableForSaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureDepreciationOfAmortizedCostBasisPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PurchasedAndParticipationsMember" id="hyne_PurchasedAndParticipationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="HomeImprovementFirstMortgageLoansMember" id="hyne_HomeImprovementFirstMortgageLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialAndIndustrialLoansMember" id="hyne_CommercialAndIndustrialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LineOfCreditLoansMember" id="hyne_LineOfCreditLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FirstMortgageAndHomeImprovementMember" id="hyne_FirstMortgageAndHomeImprovementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancialAsset30To89DaysPastDueMember" id="hyne_FinancialAsset30To89DaysPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PropertyPlantAndEquipmentGrossExcludingConstructionInProgress" id="hyne_PropertyPlantAndEquipmentGrossExcludingConstructionInProgress" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ConstructionInProgress" id="hyne_ConstructionInProgress" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DemandAccountsAbstract" id="hyne_DemandAccountsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AggregateDemandAccounts" id="hyne_AggregateDemandAccounts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TimeDepositsFairValueDisclosure" id="hyne_TimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CashAndCashEquivalentsExcludingTimeDepositsFairValueDisclosure" id="hyne_CashAndCashEquivalentsExcludingTimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" id="hyne_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableCollateralDependentLoansNoRelatedAllowance" id="hyne_FinancingReceivableCollateralDependentLoansNoRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableCollateralDependentLoansWithRelatedAllowance" id="hyne_FinancingReceivableCollateralDependentLoansWithRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableLoanInProcessNetOfAdjustments" id="hyne_FinancingReceivableLoanInProcessNetOfAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DecreaseInRetainedEarningsAttributableToMergerOfWhollyOwnedSubsidiaries" id="hyne_DecreaseInRetainedEarningsAttributableToMergerOfWhollyOwnedSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EmployeeStockPurchasePlanIncreaseInEquityAttributableToSharesCommittedToBeReleased" id="hyne_EmployeeStockPurchasePlanIncreaseInEquityAttributableToSharesCommittedToBeReleased" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="HoyneSavingsBankMember" id="hyne_HoyneSavingsBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CashDonationToCharitableFoundation" id="hyne_CashDonationToCharitableFoundation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="StockIssuedDuringPeriodSharesDonationToCharitableFoundation" id="hyne_StockIssuedDuringPeriodSharesDonationToCharitableFoundation" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="HoyneCharitableFoundationInc.Member" id="hyne_HoyneCharitableFoundationInc.Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonAccrualLoansRelatedAllowance" id="hyne_NonAccrualLoansRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeStockOwnershipPlanAbstract" id="hyne_EmployeeStockOwnershipPlanAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeStockOwnershipPlanTextBlock" id="hyne_EmployeeStockOwnershipPlanTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanVestingPeriod" id="hyne_EmployeeStockOwnershipPlanVestingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanLoanTerm" id="hyne_EmployeeStockOwnershipPlanLoanTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfNonAccrualLoansWithRelatedAllowance" id="hyne_NumberOfNonAccrualLoansWithRelatedAllowance" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="BranchLeaseMonthToMonthMember" id="hyne_BranchLeaseMonthToMonthMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OakParkOfficeLeaseMember" id="hyne_OakParkOfficeLeaseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DisclosureOfCoreDepositIntangiblesAbstract" id="hyne_DisclosureOfCoreDepositIntangiblesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancialInstrumentsAbstract" id="hyne_FinancialInstrumentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfParticipationLoansPastDueAndStillAccruing" id="hyne_NumberOfParticipationLoansPastDueAndStillAccruing" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="NonAccrualLoansWithRelatedAllowance" id="hyne_NonAccrualLoansWithRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
</xsd:schema>
