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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 172nd largest bank in the state of Pennsylvania. It is also the 5,099th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 28 employees at 1 location. Hyperion Bank has a B health rating.

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Health

Data for Q4 2013

Institution Health

B
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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Hyperion Bank had $837,000 in non-current loans and owned real-estate with $5.87 million in equity and loan loss allowances on hand to cover it. This gives Hyperion Bank a Texas Ratio of 14.25% 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 42.45% as of December 31, 2012 to 14.25% as of December 31, 2013, resulting in a positive change of 66.43%.This indicates that the balance sheet and financial strength for Hyperion Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Hyperion Bank has decreased its total deposits by $-572,000, resulting in -0.7% 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 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 $85.9 million in assets with $5.87 million in equity, resulting in a capitalization level of 6.84%, which is below average.

Institution Statistics

Overall
FDIC Certificate #58371
Year Established2006
Employees28
Primary RegulatorFDIC
Assets and Liabilities
Assets$85.90 million
Loans$69.65 million
Deposits$80.71 million
Equity Capital$4.92 million
Loan Loss Allowance$957,000
Unbacked Noncurrent Loans$602,000
Real Estate Owned$235,000
Historic Data - December 2012
Assets$90.43 million
Equity Capital$7.40 million
Loan Loss Allowance$985,000
Unbacked Noncurrent Loans$602,000
Real Estate Owned$1.91 million
Profit Margin - Quarterly
Net Interest Margin5.34%
Return on Assets-2.08%
Return on Equity-29.54%
Interest Income$5.17 million
Rates

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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
0.30%$25k-Consumer Money Market
0.30%$25k-Business Money Market

Hyperion Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.01%$500-IOLTA
0.25%$25k-Business Interest Checking
0.25%$10k-HyperFree Checking

Hyperion Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-60 Month CD
0.90%$500-24 Month CD
0.80%$500-18 Month CD
0.75%$500-48 Month CD
0.70%$500-12 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
1.00%$500-60 Month IRA (Traditional,Roth)
0.90%$500-24 Month IRA (Traditional,Roth)
0.80%$500-18 Month IRA (Traditional,Roth)
0.75%$500-48 Month IRA (Traditional,Roth)
0.70%$500-12 Month IRA (Traditional,Roth)
0.65%$500-36 Month IRA (Traditional,Roth)
0.55%$500-30 Month IRA (Traditional,Roth)
0.40%$500-9 Month IRA (Traditional,Roth)
0.10%$500-30 Day IRA (Traditional,Roth)
0.10%$500-6 Month IRA (Traditional,Roth)
Locations


Hyperion Bank Locations
Hyperion Bank199 West Girard AvenuePhiladelphia, PA 19123