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Hyperion Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-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

2025-Q3

Bank #3517590 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 124.8% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -25

The five pillars

Liquidity

StableQoQ -1
62
Sub-score

Liquidity is stable: brokered 17.8%, loans/deposits 124.8%, cash 7.4% of assets.

Cash / Assets
7.36%
Loans / Deposits
124.83%
Brokered %
17.79%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 124.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.01%
No watch items at this period.

Capitalization

StableQoQ -8
69
Sub-score

Capital position is stable: Tier 1 RBC 11.22%, CET1 11.22%, leverage 9.70%.

Tier 1 RBC
11.22%
CET1
11.22%
Leverage
9.70%
No watch items at this period.

Asset Quality

StrongQoQ -2
92
Sub-score

Asset quality is strong: Adjusted NPL 1.34%, Texas Ratio 11.9%, NCO YTD 0.00%.

Adjusted NPL
1.34%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.00%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -25
19
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 55.6%, true coverage 50.1%.

ALLL / Loans
0.74%
Coverage
55.6%
True Loss Coverage
50.1%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% of loans.

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