Hyperion Bank

199 West Girard Avenue
Philadelphia, PA 19123
215.789.4200
www.hyperionbank.com

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Hyperion Bank is headquartered in Philadelphia and is the 175^th largest bank in the state of Pennsylvania. It is also the 5,106^th largest bank in the nation. It was established in 2006 and as of December of 2012, it had grown to 30 employees at 1 location. Hyperion Bank has a 2-star health rating.

Hyperion Bank Routing Number: 036018969

Competitive 2-Year CD and Money Market Rates at Hyperion Bank in Philadelphia - Local Only - 5/3/2011

Many readers might remember Hyperion Bank for its reward checking account. It had offered one of the best ones in the Philadelphia area back in 2009. Unfortunately, the rate has fallen, and it's no lo ...

1.50% 15-Month CD & 2.25% 3-Year CD At Hyperion Bank In Philly (Forum) - 11/3/2010

Hyperion Bank is offering some competitive CD and IRA CD rates. Notable ones include: As of 11/03/2010: 1.50% APY 15-month CD 2.25% APY 3-year CD 2.60% APY 5-year CD It appears that a branch visit is required. It's a small bank with one office in

Hyperion Bank In Philly Cuts Reward Checking Rate To 2.965% (Forum) - 6/4/2010

HyperInterest Checking rate has fallen to 2.965%. The APY had been 4.26%. A reader just emailed me this news. He had to log into his account to learn of the new rate. No email notification was received. Hyperion no longer lists its reward checking rates

Another Bank Enforcing High Debit Card Usage on Its Reward Checking Account - 5/15/2010

Hyperion Bank in Philadelphia is another bank with a high-yield reward checking account that is cracking down on customers who are not spending enough on their debit cards. One reader who reported us ...

2009

7/20 - 2.40% 13-Month CD at Hyperion Bank in Philadelphia - Local Only

2008

12/2 - High-Yield Reward Checking Account at Hyperion Bank in Philadelphia

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See Rates for: Checking | Savings | Money Market | CD | IRA

Hyperion Bank Checking Account Rates

Apy	Min	Max	Product
1.01%	$500	-	IOLTA
0.50%	$50k	-	Business Interest Checking
0.50%	$10k	-	HyperFree Checking

Hyperion Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Statement Savings
0.25%	-	-	Holiday Club
0.25%	-	-	HyperSaver Kids
0.25%	-	-	Vacation Club

Hyperion Bank Money Market Rates

Apy	Min	Max	Product
0.50%	$50k	-	Business Money Market
0.40%	$100k	-	Consumer Money Market

Hyperion Bank CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month CD
1.25%	$500	-	48 Month CD
1.00%	$500	-	24 Month CD
1.00%	$500	-	36 Month CD
1.00%	$500	-	30 Month CD
0.90%	$500	-	18 Month CD
0.70%	$500	-	12 Month CD
0.40%	$500	-	9 Month CD
0.30%	$500	-	6 Month CD
0.25%	$500	-	30 Day CD
0.25%	$500	-	3 Month CD

Hyperion Bank IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Roth IRA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
1.00%	$500	-	24 Month IRA
1.00%	$500	-	36 Month IRA
1.00%	$500	-	24 Month Roth IRA
1.00%	$500	-	36 Month Roth IRA
1.00%	$500	-	30 Month IRA
1.00%	$500	-	30 Month Roth IRA
0.90%	$500	-	18 Month IRA
0.90%	$500	-	18 Month Roth IRA
0.70%	$500	-	12 Month IRA
0.70%	$500	-	12 Month Roth IRA
0.40%	$500	-	9 Month IRA
0.40%	$500	-	9 Months Roth IRA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	6 Month Roth IRA
0.25%	$500	-	30 Day IRA
0.25%	$500	-	30 Day Roth IRA
0.25%	$500	-	3 Month Roth IRA
0.25%	$500	-	3 Month IRA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

Hyperion Bank
FDIC Certificate #	58371
BankRate Report	View
Year Established	2006
Employees	30
Primary Regulator	FDIC
Assets and Liabilities
Assets	$90.43 million
Loans	$72.54 million
Deposits	$81.28 million
Equity Capital	$7.40 million
Loan Loss Allowance	$985,000
Unbacked Noncurrent Loans	$1.65 million
Real Estate Owned	$1.91 million
Historic Data - December 2011
Assets	$95.46 million
Equity Capital	$7.60 million
Loan Loss Allowance	$965,000
Unbacked Noncurrent Loans	$3.11 million
Real Estate Owned	$413,000
Profit Margin - Quarterly
Net Interest Margin	4.68%
Return on Assets	-0.04%
Return on Equity	-0.46%
Interest Income	$4.85 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
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, 2012 Hyperion Bank had $3.56 million in non-current loans and owned real-estate with $8.38 million in equity and loan loss allowances on hand to cover it. This gives Hyperion Bank a Texas Ratio of 42.45% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Hyperion Bank held steady from 41.18% as of December 31, 2011 to 42.45% as of December 31, 2012, resulting in a negative change of 3.08%. This indicates that the balance sheet and financial strength for Hyperion Bank has held steady in recent periods.
Deposit Growth
In the past year, Hyperion Bank has decreased its total deposits by -$4.09 million, resulting in -4.79% 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
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 $90.43 million in assets with $8.38 million in equity, resulting in a capitalization level of 9.27%, which is average.