BlastPoint's Banking Scorecard
Hyperion Bank
Philadelphia, PA
2 branches across GA · PA
Hyperion Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 24.2% in tier
- - Loan-to-Deposit Ratio 28.82% above tier average
- - ROA 0.85% below tier average
- - Net Interest Margin 0.71% below tier average
- - Efficiency Ratio 13.43% above tier average
- - Delinquency Rate 0.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$553.0M
+19.1% YoY
+0.4% QoQ
|
+$166.9M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$471.5M
+19.4% YoY
+5.2% QoQ
|
+$215.8M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 13.6% in tier |
| Total Deposits ? |
$447.1M
+22.6% YoY
-3.0% QoQ
|
+$119.1M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
0.42%
-29.2% YoY
-34.7% QoQ
|
-0.85% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.1% in tier |
| Net Interest Margin ? |
3.22%
-10.6% YoY
-14.6% QoQ
|
-0.71% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
78.72%
+1.0% YoY
+6.5% QoQ
|
+13.43% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
1.15%
+23.2% YoY
+26.5% QoQ
|
+0.26% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
105.46%
-2.6% YoY
+8.5% QoQ
|
+28.82% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.52%
-24.1% YoY
-3.4% QoQ
|
-12.50% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.8% in tier |
| Nonperforming Asset Ratio ? |
1.12%
+41.4% YoY
+27.2% QoQ
|
+0.48% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
10.82%
-11.3% YoY
-4.1% QoQ
|
-5.01% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.06%
+94.6% YoY
-64.3% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
27% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.