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Hyperion Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q3QoQ -6

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

Quarterly Headline

2024-Q3

Bank #3517590 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.1% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -27

The five pillars

Liquidity

StableQoQ -4
67
Sub-score

Liquidity is stable: brokered 12.1%, loans/deposits 106.1%, cash 7.1% of assets.

Cash / Assets
7.11%
Loans / Deposits
106.12%
Brokered %
12.10%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.1% (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
1.20%
No watch items at this period.

Capitalization

StrongQoQ -2
89
Sub-score

Capital position is strong: Tier 1 RBC 13.00%, CET1 13.00%, leverage 10.56%.

Tier 1 RBC
13.00%
CET1
13.00%
Leverage
10.56%
No watch items at this period.

Asset Quality

StrongQoQ -3
94
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 8.8%, NCO YTD -0.03%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
-0.03%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -27
33
Sub-score

Reserves are weak: ALLL 0.84% of loans, coverage 75.7%, true coverage 64.2%.

ALLL / Loans
0.84%
Coverage
75.7%
True Loss Coverage
64.2%
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