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Hyperion Bank

IDRSSD: 3517590
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #3517590 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.1% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ +4
64
Sub-score

Liquidity is stable: brokered 13.5%, loans/deposits 107.1%, cash 6.3% of assets.

Cash / Assets
6.30%
Loans / Deposits
107.07%
Brokered %
13.46%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.17%
No watch items at this period.

Capitalization

StrongQoQ 0
92
Sub-score

Capital position is strong: Tier 1 RBC 12.65%, CET1 12.65%, leverage 10.23%.

Tier 1 RBC
12.65%
CET1
12.65%
Leverage
10.23%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -14
53
Sub-score

Reserves are deteriorating: ALLL 0.75% of loans, coverage 120.2%, true coverage 89.8%.

ALLL / Loans
0.75%
Coverage
120.2%
True Loss Coverage
89.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:49:42 UTC