# HYPERION BANK
PHILADELPHIA, PA · FDIC certificate 58371 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $569.9M | |
| Deposits | $461.8M | |
| Loans and leases | $492.1M | |
| Total equity | $55.4M | |
| Loans / deposits | 105.79% (p94 of band) | 82.04% |
| Liquid assets / assets | 10.80% (p6 of band) | |
| Uninsured deposits / deposits | 30.56% (p68 of band) | 25.97% |
| Brokered deposits | 7.94% | |
| Wholesale funding | 16.54% (p89 of band) | |
| FHLB advances / assets | 8.60% | |
| Tier 1 leverage | 10.46% (p44 of band) | 10.81% |
| Unrealized securities loss / equity | -3.20% (p71 of band) | -8.10% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 0.60% (p14 of band) | 1.28% |
| Net interest margin | 3.34% (p21 of band) | 3.91% |
| Efficiency ratio | 75.81% (p84 of band) | |
| Noncurrent loans | 1.33% (p80 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 54.06% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 271.86% (p100 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 27.8% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 5 | brokered >10%, losing money, expense ratio p90 |  |
| 2011-12 | 4 |  | brokered >10% |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | assets shrinking |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 2 |  | losing money, expense ratio p90, assets shrinking |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 6 | leverage <7%, losing money, expense ratio p90, charge-offs p90 | reserve under noncurrent |
| 2013-12 | 6 | assets shrinking | capital falling |
| 2014-03 | 4 | deposits shrinking | losing money, expense ratio p90, charge-offs p90 |
| 2014-06 | 3 |  | deposits shrinking |
| 2014-09 | 3 | deposits shrinking | leverage <7% |
| 2014-12 | 3 |  |  |
| 2015-03 | 5 | expense ratio p90, reserve under noncurrent |  |
| 2015-06 | 6 | uninsured deposits leaving |  |
| 2015-09 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2015-12 | 2 |  | deposits shrinking, reserve under noncurrent |
| 2016-03 | 3 | capital falling, uninsured deposits leaving | expense ratio p90 |
| 2016-06 | 2 | loans exceed deposits | capital falling, uninsured deposits leaving |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 5 | capital falling, reserve under noncurrent |  |
| 2017-03 | 5 | deposits shrinking | uninsured deposits leaving |
| 2017-06 | 5 | liquid assets <10%, expense ratio p90, assets shrinking | loans exceed deposits, capital falling, deposits shrinking |
| 2017-09 | 4 | loans exceed deposits | liquid assets <10%, assets shrinking |
| 2017-12 | 7 | liquid assets <10%, losing money, charge-offs p90 |  |
| 2018-03 | 5 |  | liquid assets <10%, charge-offs p90 |
| 2018-06 | 6 | deposits shrinking |  |
| 2018-09 | 5 |  | construction >100% equity |
| 2018-12 | 4 | construction >100% equity | reserve under noncurrent, deposits shrinking |
| 2019-03 | 6 | wholesale funding >15%, capital falling, reserve under noncurrent | loans exceed deposits |
| 2019-06 | 6 |  |  |
| 2019-09 | 5 | loans exceed deposits | losing money, capital falling |
| 2019-12 | 6 | losing money, charge-offs p90 | reserve under noncurrent |
| 2020-03 | 5 | capital falling | expense ratio p90, charge-offs p90 |
| 2020-06 | 5 | reserve under noncurrent | losing money |
| 2020-09 | 4 |  | reserve under noncurrent |
| 2020-12 | 5 | brokered >10% |  |
| 2021-03 | 6 | charge-offs p90 |  |
| 2021-06 | 6 | reserve under noncurrent | capital falling |
| 2021-09 | 4 |  | loans exceed deposits, brokered >10% |
| 2021-12 | 5 | loans exceed deposits, brokered >10% | charge-offs p90 |
| 2022-03 | 4 |  | reserve under noncurrent |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 | capital falling | brokered >10% |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | brokered >10%, uninsured deposits leaving | capital falling |
| 2024-03 | 5 |  |  |
| 2024-06 | 3 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-09 | 4 | loans exceed deposits, reserve under noncurrent | brokered >10% |
| 2024-12 | 5 | brokered >10% |  |
| 2025-03 | 6 | capital falling |  |
| 2025-06 | 7 | charge-offs p90 |  |
| 2025-09 | 6 |  | charge-offs p90 |
| 2025-12 | 4 |  | loans exceed deposits, brokered >10% |
| 2026-03 | 5 | loans exceed deposits |  |
| 2026-06 | 4 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-24 [Northern Liberties’ Hyperion Bank Eyes $1 Billion After Oversubscribed Capital Raise - PHILADELPHIA.Today](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeEVQSzczSE1jVHMtSi1CMmFQM01jTmNQMTlILUhwazVWM1E2ejBETlFSamJPNmwwVlpjaGRhcGZFUVhVbkhFemlQTWJGM0J4WUQ4N1VPRElIUlRPMkdiWWZFYkNEMVdRajIyOUduN1NMcWRCTndkZ1UxeG5VREFRbjc2RkxTVDNQSUFpTzNVSXo0clZ1Rjk1Rg?oc=5) · PHILADELPHIA.Today
- 2024-12-27 [Pa. hasn’t gotten any new banks in over a decade. Here’s why. - Inquirer.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPRGhoM2JIUzVMbllLTDduWnJxMXJHOS1nbHNoTFNlT0Jqb1o3dFNHRi0ySDFmelZveVg4Q181V1BaaFg2UWMwTkYzQlpjYzlIamhmZTFYTkoxXzM2TFZHMTB5aDdmQ3hoY3RtcjFGQUNoQTNlWGdKR0RIcTJ4X3NFMUxUeFpEVWRFUTF0ODFjdw?oc=5) · Inquirer.com
- 2025-11-18 [Hyperion Bank BizSpotlight - Philadelphia Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZXVYWFk4dlN2aWd2cVVqRmhGaW4wMl9yX0VEbnByX0dMLWwtZnVHVDg4eWRNdVlmYkRiWlRxV1BXbVp4T1Z4SldqQWJMYjFWSDZsOFF3ZFJSTHF6WUpLMk9pNHVGUEFhU0YycGJkZ0MxSk1oQl82aGplTndzd25QWlptNGhsdVRk?oc=5) · The Business Journals
- 2026-07-07 [Hyperion Bancshares Closes Oversubscribed $14.7 Million Capital Raise Through Unconventional Self-Led Offering - PR Newswire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOVnJtWkpxeW1ITmdsaFhhYVJnLUdrM1NXQ3NXZkt6dC1fV1hqUEZnVkhPZFIyVFFpczdad2w5Y3l0cGM4SjNwcGRiSUlNZnJ0bHV2QXpWR01jNnFlbGltSGZWbFdxbEhYRl82clFRUXRVdURubTBuaW5IRkhWU29CVHVkcXpPNDhlclNHT0RXdzI5eGxGUXE4eEtQWHQ5dF9HZndLc29HZWdmMU04Q0ZYUFpNMnRKZ0txTHA5WThtQUVRLUFIWGFOLVVBUWtnY0oyRG1wUDd4dWJJNnpIVTlOdHc5Z2VxWHA5TVJxVFJzYzZiRVJwUU5qQg?oc=5) · PR Newswire
- 2026-07-07 [Hyperion Bancshares Closes $14.7 Million Capital Raise to Support Growth in Philadelphia and Atlanta - citybiz](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQUUxZTjQyVURHb0o5b0FSWnREY2xRWGhzWDF1alZFa3JNcnROdG51SDkzVkQ1NFczOExwQm5sYTFUdXZDT0h1WDZPV044V0ZOa1lWNWtOSG1vR3hoVHk2bWRpRXJiY2dzeE5pUXVTYWp3SzdSWkRMeU85MjZhV3cxQjNrOUJFSnBUV0pVVmdVems3QVExQ3A3ZnZtV09GWjZJQWU1MG9XQkhJTDdiVXRSR3pTaEU5MFVlcXpWa3hTbF8yZjhmNDRWVGxYRkpHYnZUWVowNQ?oc=5) · citybiz
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2026-01-12 [Tara Handforth, Pennsylvania & Delaware Commercial Banking Market Executive, Wells Fargo - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQdmJDS1NuakZiam5RZ2NhZUREZExyUVFqLXdYRS1wczJyck9yOUlqcEFfZmxLUUF0Z19xTnQzMWVBYm0xYmF0a3NxamJUTEdYR1JOcXd3U2c4ODN1d0dYeV9WdWdYRWJqMTltN1ljckJza0dXYkxuT1V6MGNvN2FONzJDbHlnWTg3RTJ0UmFKR2wwWjVNY1g3T3pqWDhWV2U0NVdFMkhJMWxTNV9xVWRvancyajMydDVNNUhoSVJTNG5OQQ?oc=5) · Capital Analytics Associates
- 2026-07-13 [Hyperion Bank CEO eyes $1B in assets after adding 'dry powder' for Philadelphia growth - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTnE4TDU4S1hVekd1dy0wWmJObTVKcUM0Rm04aEZMXzJHSXhTUTZMNVpqOU1MTXhNNDJ5NksyY2JhNEx0RmQ5ZWhkdklMR1ZuMHhRRW85YVF0WmE1WTV1TnVkN2pRSmQwN2ZpX01VdHIteTFPd1o5bHdYUjFvRDE1ZDZFZDkzbjBFS2FEREVIRF9pamhSc3JCODZlSVRtdWZwcUV2VDhrcw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58371 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "58371", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide