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Hyperion Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #3517590 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.8% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -4
63
Sub-score

Liquidity is stable: brokered 17.4%, loans/deposits 119.8%, cash 7.7% of assets.

Cash / Assets
7.67%
Loans / Deposits
119.79%
Brokered %
17.38%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 119.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.09%
No watch items at this period.

Capitalization

StableQoQ -11
79
Sub-score

Capital position is stable: Tier 1 RBC 12.03%, CET1 12.03%, leverage 10.11%.

Tier 1 RBC
12.03%
CET1
12.03%
Leverage
10.11%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.89%, Texas Ratio 7.3%, NCO YTD 0.05%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.05%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +8
41
Sub-score

Reserves are deteriorating: ALLL 0.81% of loans, coverage 91.4%, true coverage 75.7%.

ALLL / Loans
0.81%
Coverage
91.4%
True Loss Coverage
75.7%
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