Philadelphia, PA · Cert 58371 · Hyperion Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
20
Asset Quality
69
Profitability
17
Liquidity
0
Efficiency
20
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.
Philadelphia, PA · Cert 58371 · Hyperion Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #48 of 88 inst. · $0.3B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.60% | 0.60% | 0.55% | 0.55% | 0.65% | 0.42% | 0.60% | +5 bps | |
| Return on Equity | 5.82% | 6.28% | 6.48% | 5.99% | 6.14% | 7.29% | 5.01% | 6.78% | +79 bps | |
| Net Interest Margin | 3.66% | 3.45% | 3.55% | 3.62% | 3.55% | 3.39% | 3.16% | 3.30% | -32 bps | |
| Efficiency Ratio | 77.40% | 75.96% | 77.94% | 74.98% | 75.29% | 73.90% | 78.72% | 75.81% | +83 bps | |
| Non-Interest Burden | 2.79% | 2.58% | 2.74% | 2.67% | 2.64% | 2.46% | 2.44% | 2.45% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.59% | 12.00% | 8.62% | 16.17% | 20.79% | 18.85% | 19.10% | 16.70% | +52 bps | |
| Loan Growth (YoY) | 8.19% | 11.74% | 9.42% | 18.18% | 21.37% | 15.12% | 19.35% | 18.09% | -9 bps | |
| Deposit Growth (YoY) | 12.14% | 1.37% | 8.16% | 1.67% | 3.28% | 41.96% | 22.57% | 27.76% | +2,609 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.11% | 0.88% | 0.92% | 0.77% | 1.33% | 0.90% | 1.14% | 1.33% | +56 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.23% | 0.14% | 0.10% | 0.00% | 0.00% | -23 bps | |
| Allowance / Loans | 0.84% | 0.81% | 0.81% | 0.75% | 0.74% | 0.74% | 0.76% | 0.72% | -3 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 1.0x | 0.6x | 0.8x | 0.7x | 0.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.56% | 10.12% | 10.05% | 9.91% | 9.70% | 9.20% | 8.93% | 10.46% | +55 bps | |
| Total Risk-Based Capital | 14.03% | 13.00% | 13.18% | 12.85% | 12.15% | 12.20% | 11.75% | 13.25% | +40 bps | |
| Equity / Assets | 9.72% | 9.12% | 9.31% | 9.01% | 8.64% | 8.40% | 8.46% | 9.72% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.02% | 120.76% | 109.14% | 115.28% | 125.76% | 97.93% | 106.27% | 106.56% | -872 bps | |
| Liquid Assets / Assets | 6.69% | 7.22% | 6.09% | 2.31% | 2.27% | 11.16% | 7.02% | 7.10% | +479 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 436% | 429% | 448% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 1.08% | 1.42% | 1.85% | Beats 15% | 17 / 20 | ||
| Return on Equity | 6.06% | 9.57% | 13.48% | 17.30% | Beats 15% | 17 / 20 | ||
| Net Interest Margin | 3.30% | 3.38% | 3.99% | 4.50% | Beats 20% | 16 / 20 | ||
| Efficiency Ratio | 75.81% | 47.39% | 61.42% | 73.60% | Beats 20% | 17 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.05% | 0.79% | 1.63% | Beats 37% | 13 / 19 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 7 / 19 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.36% | 13.64% | 16.79% | 19.57% | Beats 15% | 17 / 20 | ||
| Total Risk-Based Capital Ratio | 13.25% | 14.77% | 17.61% | 20.82% | Beats 15% | 17 / 20 | ||
| Equity / Assets | 9.72% | 9.66% | 10.94% | 13.62% | Beats 30% | 14 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.56% | 70.35% | 84.66% | 95.83% | 95th pctl | 1 / 20 | ||
| Loans / Assets | 86.36% | 62.58% | 72.89% | 77.86% | 95th pctl | 1 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||