BlastPoint's Banking Scorecard

Hyperion Bank

$100M-$1B Specialty: Commercial PA FDIC cert 58371

Philadelphia, PA

2 branches across GA · PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
Deposits +27.8% year over year ($461.8M on the books).
Delinquency rate 1.34%.
Return on assets 0.60%.
Efficiency ratio 75.81% vs a 64.48% peer average.
Loan-to-deposit ratio 105.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA

View $100M-$1B leaderboard (PA) →

Hyperion Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

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 11.7% in tier
- Loan-to-Deposit Ratio 27.84% above tier average
- ROA 0.72% below tier average
- Net Interest Margin 0.65% below tier average
- Efficiency Ratio 11.33% above tier average
- Delinquency Rate 0.42% above tier average

Get updates when Hyperion Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$569.9M +16.7% YoY +3.0% QoQ	+$183.3M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$488.6M +18.1% YoY +3.6% QoQ	+$230.2M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	Top 12.5% in tier
Total Deposits ?	$461.8M +27.8% YoY +3.3% QoQ	+$135.1M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	0.60% +9.8% YoY +42.3% QoQ	-0.72%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	15%
Net Interest Margin ?	3.34% -11.3% YoY +3.8% QoQ	-0.65%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	75.81% +1.1% YoY -3.7% QoQ	+11.33%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	1.34% +73.3% YoY +16.5% QoQ	+0.42%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	105.79% -7.5% YoY +0.3% QoQ	+27.84%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	Bottom 5.4% in tier
Non-Interest-Bearing Deposit Share ?	8.96% -27.8% YoY -5.9% QoQ	-13.07%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	Bottom 8.6% in tier
Nonperforming Asset Ratio ?	1.28% +96.4% YoY +14.6% QoQ	+0.62%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	12.36% +3.9% YoY +14.2% QoQ	-3.55%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.09% +14.1% YoY +44.3% QoQ	-0.48%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	15%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	9.0% -3.5pp YoY -0.6pp QoQ	-13.2pp	22.1%	18.7%	22.2%	8%
Brokered Deposits	9.8% -8.4pp YoY +3.1pp QoQ	+1.9pp	7.9%	6.8%	8.5%	74%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	10.3% +0.8pp YoY +1.9pp QoQ	-1.3pp	11.6%	8.6%	12.5%	54%
CRE	45.1% +0.8pp YoY -0.5pp QoQ	+5.6pp	39.5%	37.9%	41.4%	62%
1-4 Family	44.6% -2.5pp YoY -1.3pp QoQ	+11.9pp	32.6%	47.8%	31.3%	76%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	3.8%	5.0%	0%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	12.4% +0.5pp YoY +1.5pp QoQ	-6.5pp	18.8%	22.3%	19.7%	21%
Leverage Ratio	10.5% +0.6pp YoY +1.5pp QoQ	-1.7pp	12.2%	13.2%	12.6%	40%
Total Capital Ratio	13.2% +0.4pp YoY +1.5pp QoQ	-6.7pp	19.9%	23.3%	20.8%	19%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	42 -2 (-4.5%) YoY -3 (-6.7%) QoQ	-17	58	299	482	44%
Assets per Employee ($)	$13.6M +22.3% YoY +10.4% QoQ	+$6.1M	$7.5M	$9.2M	$8.8M	96%
Branch Count	2 0 YoY 0 QoQ	-3	4	20	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.2pp	0.3%	0.2%	0.4%	56%
Nonaccrual	1.2% +0.4pp YoY +0.1pp QoQ	+0.3pp	0.9%	0.9%	1.0%	76%
Allowance Coverage	0.54x -44.9% YoY -18.6% QoQ	-23.61x	24.15x	3.63x	20.23x	11%
Net Charge-off Rate (YTD)	-0.0% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	6.8% +0.8pp YoY +1.8pp QoQ	-5.4pp	12.2%	10.2%	11.6%	20%
Cost of Funds (YTD)	3.2% +0.1pp YoY -0.1pp QoQ	+1.5pp	1.7%	1.8%	1.7%	99%
Net Income ($, YTD)	$1.7M +29.8% YoY — QoQ	-$878K	$2.6M	$18.2M	$40.4M	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#20 of 162 • Bottom 11.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 8.96%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

332

Total Loans

size

Value: $488.59M

Peer Median: $258.35M

#332 of 2643 Top 12.5% in $100M-$1B

577

Total Assets

size

Value: $569.88M

Peer Median: $386.57M

#577 of 2643 Top 21.8% in $100M-$1B

630

Total Deposits

size

Value: $461.83M

Peer Median: $326.73M

#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (8 metrics)

2501

Loan-to-Deposit Ratio

liquidity

Value: 105.79%

Peer Median: 77.95%

#2501 of 2643 Bottom 5.4% in $100M-$1B

2418

Non-Interest-Bearing Deposit Share

funding

Value: 8.96%

Peer Median: 22.03%

#2418 of 2643 Bottom 8.6% in $100M-$1B

2242

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.32%

#2242 of 2643 Bottom 15.2% in $100M-$1B

2241

Nonperforming Asset Ratio

credit_quality

Value: 1.28%

Peer Median: 0.67%

#2241 of 2643 Bottom 15.2% in $100M-$1B

2238

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2238 of 2643 Bottom 15.4% in $100M-$1B

2138

Efficiency Ratio

profitability

Value: 75.81%

Peer Median: 64.48%

#2138 of 2643 Bottom 19.1% in $100M-$1B

2080

Delinquency Rate

credit_quality

Value: 1.34%

Peer Median: 0.92%

#2080 of 2633 Bottom 21.0% in $100M-$1B

2084

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.99%

#2084 of 2643 Bottom 21.2% in $100M-$1B