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Hyperion Bank

Philadelphia, PA · Cert 58371 · Hyperion Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hyperion Bank

Philadelphia, PA · Cert 58371 · Hyperion Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$569.9MAssets
$492.1MLoans
$461.8MDeposits
$55.4MEquity
Loan mix
92%RE $431.7M8%C&I $39.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $420.5M9%Noninterest $41.4MQ2 2025Q2 2026

NIM

6.71%Q2 ’246.58%Q2 ’256.46%Q2 ’260%-9%

Non-interest income vs. expense

2.96%Q2 ’242.84%Q2 ’252.64%Q2 ’26-4%-8%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #48 of 88 inst. · $0.3B of $685.1B

0.3% Philadelphia
0.2% Fulton

Executive Summary

  • Earnings: ROA of 0.60%, up 5 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 1.33% of loans (+56 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.46%, up 55 bps from a year ago.
  • Funding: loans stand at 106.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-32 bps YoY

Efficiency Ratio (YTD, annualized)

75.81%+83 bps YoY

Tier 1 Leverage Ratio

10.46%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.55%0.65%0.42%0.60%+5 bps
Return on Equity5.99%6.14%7.29%5.01%6.78%+79 bps
Net Interest Margin3.62%3.55%3.39%3.16%3.30%-32 bps
Efficiency Ratio74.98%75.29%73.90%78.72%75.81%+83 bps
Non-Interest Burden2.67%2.64%2.46%2.44%2.45%-22 bps
Growth
Asset Growth (YoY)16.17%20.79%18.85%19.10%16.70%+52 bps
Loan Growth (YoY)18.18%21.37%15.12%19.35%18.09%-9 bps
Deposit Growth (YoY)1.67%3.28%41.96%22.57%27.76%+2,609 bps
Asset Quality
Nonperforming Loans / Loans0.77%1.33%0.90%1.14%1.33%+56 bps
Net Charge-Offs / Loans0.23%0.14%0.10%0.00%0.00%-23 bps
Allowance / Loans0.75%0.74%0.74%0.76%0.72%-3 bps
Allowance Coverage of NPLs1.0x0.6x0.8x0.7x0.5x-0.4x
Capital
Tier 1 Leverage Ratio9.91%9.70%9.20%8.93%10.46%+55 bps
Total Risk-Based Capital12.85%12.15%12.20%11.75%13.25%+40 bps
Equity / Assets9.01%8.64%8.40%8.46%9.72%+71 bps
Liquidity & Funding
Loans / Deposits115.28%125.76%97.93%106.27%106.56%-872 bps
Liquid Assets / Assets2.31%2.27%11.16%7.02%7.10%+479 bps
CRE / Total Capitaln/a436%429%448%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hyperion Bank

Philadelphia, PA · Cert 58371 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Hyperion Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$569.9MAssets
$492.1MLoans
$461.8MDeposits
$55.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 7 of 19).
  • Widest gap: total risk-based capital ratio trails 85% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 17 of 20).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.59%

Rank 17 of 20

Net Interest Margin

3.30%

Rank 16 of 20

Efficiency Ratio

75.81%

Rank 17 of 20

Equity / Assets

9.72%

Rank 14 of 20

Non-interest income vs. expense

$1.0M$14.3MINCOMEEXPENSE
Unfavorable gap of $13.3M · efficiency ratio beats 20% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 75.81%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.59%1.08%1.42%1.85%Beats 15%17 / 20
Return on Equity6.06%9.57%13.48%17.30%Beats 15%17 / 20
Net Interest Margin3.30%3.38%3.99%4.50%Beats 20%16 / 20
Efficiency Ratio75.81%47.39%61.42%73.60%Beats 20%17 / 20
Asset Quality
Nonperforming Loans / Loans1.33%0.05%0.79%1.63%Beats 37%13 / 19
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%7 / 19
Capital
Tier 1 Capital Ratio12.36%13.64%16.79%19.57%Beats 15%17 / 20
Total Risk-Based Capital Ratio13.25%14.77%17.61%20.82%Beats 15%17 / 20
Equity / Assets9.72%9.66%10.94%13.62%Beats 30%14 / 20
Liquidity & Funding
Loans / Deposits106.56%70.35%84.66%95.83%95th pctl1 / 20
Loans / Assets86.36%62.58%72.89%77.86%95th pctl1 / 20
Brokered Deposits / Depositsn/aNot reported for this institution