BlastPoint's Banking Scorecard
Hyperion Bank
Community
Specialty: Commercial
PA
FDIC cert 58371
Philadelphia, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Hyperion Bank faces 2 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 40% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$550.6M
+18.9% YoY
+6.0% QoQ
|
-$840.9M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$448.1M
+15.2% YoY
+1.5% QoQ
|
-$527.4M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$461.0M
+42.0% YoY
+30.4% QoQ
|
-$703.6M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.65%
+8.5% YoY
+17.1% QoQ
|
-0.52% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.77%
+2.4% YoY
-0.2% QoQ
|
+0.10% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
73.90%
-2.7% YoY
-1.9% QoQ
|
+11.27% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.91%
+2.1% YoY
-32.2% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
97.21%
-18.8% YoY
-22.1% QoQ
|
+14.14% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
9.85%
-20.5% YoY
-30.3% QoQ
|
-11.19% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.88%
+18.0% YoY
-28.0% QoQ
|
+0.38% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.28%
-6.3% YoY
+0.5% QoQ
|
+1.03% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.17%
+4.3% YoY
+54.6% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
NIB Deposit Bleed
decline
#36 of 89 · Bottom 40% in Community
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:
9.85%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.28% · Tier avg: 10.24%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
22
22th pctile
Total Loans
Current: $448.1M · Tier avg: $975.5M
19
19th pctile
Efficiency Ratio
Current: 73.90% · Tier avg: 62.63%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.21% · Tier avg: 83.06%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.85% · Tier avg: 21.05%
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
7
7th pctile
Total Assets
Current: $550.6M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $461.0M · Tier avg: $1.2B
Top Weaknesses
7
7th pctile
Total Deposits
Current: $461.0M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $550.6M · Tier avg: $1.4B
9
9th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.85% · Tier avg: 21.05%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.21% · Tier avg: 83.06%
19
19th pctile
Efficiency Ratio
Current: 73.90% · Tier avg: 62.63%
22
22th pctile
Total Loans
Current: $448.1M · Tier avg: $975.5M
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.28% · Tier avg: 10.24%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%