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Overview / Commentary
215-789-4200
199 West Girard Avenue
Philadelphia, PA 19123

Hyperion Bank is headquartered in Philadelphia and is the 173rd largest bank in the state of Pennsylvania. It is also the 5,143rd largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 20 employees at 1 location. Hyperion Bank's CD rates are 22% higher than the national average, and it has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Hyperion Bank has a relatively low asset base.

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hyperion Bank had $1.26 million in non-current loans and owned real-estate with $6.22 million in equity and loan loss allowances on hand to cover it. This gives Hyperion Bank a Texas Ratio of 20.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Hyperion Bank decreased dramatically from 42.07% as of March 31, 2013 to 20.31% as of March 31, 2014, resulting in a positive change of 51.71%.This indicates that the balance sheet and financial strength for Hyperion Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Hyperion Bank has decreased its total deposits by -$7.51 million, resulting in -8.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hyperion Bank has shown is below average.

Capitalization

GRADE:
C-

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hyperion Bank has $82.68 million in assets with $6.22 million in equity, resulting in a capitalization level of 7.53%, which is below average.

Institution Statistics

Overall
FDIC Certificate #58371
Year Established2006
Employees20
Primary RegulatorFDIC
Assets and Liabilities
Assets$82.68 million
Loans$61.65 million
Deposits$77.22 million
Equity Capital$5.26 million
Loan Loss Allowance$967,000
Unbacked Noncurrent Loans$744,000
Real Estate Owned$520,000
Historic Data - March 2013
Assets$93.92 million
Equity Capital$7.42 million
Loan Loss Allowance$978,000
Unbacked Noncurrent Loans$744,000
Real Estate Owned$1.91 million
Profit Margin - Quarterly
Net Interest Margin5%
Return on Assets0.75%
Return on Equity12.35%
Interest Income$1.13 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Hyperion Bank, we are a rate comparison website and can not provide official rates or promotions.

Hyperion Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Statement Savings
0.25%--Holiday Club
0.25%--HyperSaver Kids
0.25%--Vacation Club

Hyperion Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%--Consumer Money Market
0.45%--Business Money Market

Hyperion Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.01%$500-IOLTA
0.35%--Business Interest Checking
0.25%$10k-HyperFree Checking

Hyperion Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$500-24 Month CD
1.20%$500-18 Month CD
1.10%$500-12 Month CD
1.00%$500-60 Month CD
0.75%$500-48 Month CD
0.65%$500-36 Month CD
0.55%$500-30 Month CD
0.40%$500-9 Month CD
0.10%$500-30 Day CD
0.10%$500-6 Month CD
0.10%$500-3 Month CD

Hyperion Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$500-24 Month IRA
1.20%$500-18 Month IRA
1.10%$500-12 Month IRA
1.00%$500-60 Month IRA
0.75%$500-48 Month IRA
0.65%$500-36 Month IRA
0.55%$500-30 Month IRA
0.40%$500-9 Month IRA
0.10%$500-30 Day IRA
0.10%$500-6 Month IRA
Locations


Hyperion Bank Locations
Hyperion Bank199 West Girard AvenuePhiladelphia, PA 19123