Hyperion Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (Tier 1 capital + allowance) dropped 50.77 percentage points in Q2 2026, from 300.85% to 250.08%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Hyperion Bank is 11th of 109 on loan-to-deposit ratio, 106.56% as of Q2 2026. Hyperion Bank reported 106.56% on loan-to-deposit ratio for Q2 2026, 26.00 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $492.1M |
| Net loans and leases | $488.6M |
| Loans held for sale | $0 |
| Loans to total assets | 86.36% |
| Loan-to-deposit ratio | 106.56% |
| Net loans to equity capital | 8.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.26% |
| Multifamily (5+ residential) | 0.92% |
| Commercial and industrial | 10.18% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 351.12% |
| Construction concentration (Tier 1 capital + allowance) | 250.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.12% |
| Interest income on loans | $8.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $338.7M | $305.3M | 13.16% | 6.62% | 0.04% |
| Q4 2023 | $350.9M | $320.3M | 13.48% | 6.77% | 0.03% |
| Q1 2024 | $363.8M | $337.3M | 13.97% | 9.15% | 0.04% |
| Q2 2024 | $352.6M | $355.6M | 15.07% | 9.27% | 0.03% |
| Q3 2024 | $366.4M | $342.4M | 15.01% | 12.46% | 0.03% |
| Q4 2024 | $392.1M | $324.7M | 14.34% | 11.43% | 0.04% |
| Q1 2025 | $398.1M | $364.8M | 14.81% | 9.80% | 0.03% |
| Q2 2025 | $416.7M | $361.5M | 13.90% | 9.36% | 0.03% |
| Q3 2025 | $444.7M | $353.6M | 12.94% | 9.50% | 0.02% |
| Q4 2025 | $451.4M | $461.0M | 11.87% | 8.04% | 0.02% |
| Q1 2026 | $475.1M | $447.1M | 11.61% | 8.27% | 0.00% |
| Q2 2026 | $492.1M | $461.8M | 13.26% | 10.18% | 0.00% |
Hyperion Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hyperion Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hyperion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58371) · FFIEC NIC profile (RSSD 3517590)