HSBC Bank USA
HSBC Bank USA reported total assets of $173.1 bn at Q2 2026, up 2.0% on a year earlier, the 26th largest of 497 banks in our US coverage. The CET1 capital ratio at HSBC Bank USA was 15.90%, and the uninsured share of HSBC Bank USA was 71.29%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, HSBC Bank USA climbed from 474th to 420th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- HSBC Bank USA has one of the highest noncurrent loans to total loans readings among banks of over $100 bn: 1.45% at , against a median of 0.85% across 32 banks (FDIC Call Reports).
- The net interest margin of HSBC Bank USA, 1.64% at , places HSBC Bank USA in the bottom tenth of banks of over $100 bn (group median 3.14%; FDIC Call Reports).
What sets HSBC Bank USA apart
How large is HSBC Bank USA?
The balance sheet of HSBC Bank USA at : assets $173.1 bn, deposits $141.2 bn, net loans $55.0 bn (loans equal to 38.95% of deposits). Securities make up 30.9% of total assets at HSBC Bank USA. Since , when HSBC Bank USA held $198.8 bn, its assets shrank 12.9%. In the year to , deposits at HSBC Bank USA rose 0.3% while its total assets rose 2.0%. At , HSBC Bank USA employed 1,731 full-time equivalent staff across 41 offices, about $100.0 mn of assets per employee and $3.4 bn of deposits per office.
How much funding at HSBC Bank USA is uninsured?
At HSBC Bank USA, uninsured deposits (above the FDIC limit) made up 71.29% of domestic deposits at (+2.48 pp on a year earlier); HSBC Bank USA ranks 14th of 500 on this measure. In dollars, HSBC Bank USA estimated $96.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $141.2 bn | +0.3% | 26th of 499 |
| Net loans and leases | $55.0 bn | -4.2% | 35th of 500 |
| Loan-to-deposit ratio | 38.95% | -1.81 pp | 483rd of 500 |
| Tier 1 leverage ratio | 10.22% | -0.20 pp | 267th of 500 |
| Total risk-based capital ratio | 19.29% | -0.91 pp | 45th of 448 |
| Net interest margin | 1.64% | +0.00 pp | 488th of 500 |
| Return on assets (ROA) | 0.98% | +0.19 pp | 394th of 500 |
| Efficiency ratio | 55.36% | -2.01 pp | 239th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $368.2 mn | Narrowed by $59.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $1.7 bn | Narrowed by $287.1 mn | |
| Noncurrent loans to total loans | 1.45% | -0.23 pp | 420th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.16% | -0.04 pp | 315th of 500 (1 = lowest) |
US rank of HSBC Bank USA: 1 = highest unless marked 1 = lowest.
Balance sheet
HSBC Bank USA: assets, deposits and loans
- Total assets $173bn
- Deposits $141bn
- Net loans $55.0bn
Capital and securities
The CET1 ratio of HSBC Bank USA stood at 15.90% in , -0.61 pp year on year. Low and high at HSBC Bank USA since : 13.74% () to 18.30% (). Equity capital of HSBC Bank USA at : $16.6 bn, or 9.6% of total assets. HSBC Bank USA also reported a total capital ratio of 19.29% for , and a tier 1 leverage ratio of 10.22%.
On held-to-maturity securities, HSBC Bank USA carried an unrealized loss of $368.2 mn at , equal to 2.2% of equity capital. The loss narrowed by $59.4 mn over the year. Its deepest point: $1.0 bn in . The available-for-sale portfolio of HSBC Bank USA showed an unrealized loss of $1.7 bn at ; the loss narrowed by $287.1 mn over the year.
HSBC Bank USA: capital ratios
- Total capital 19%
- CET1 16%
- Tier 1 leverage 10%
HSBC Bank USA: unrealized securities gains and losses
- Available for sale -$1.7bn
- Held to maturity -$368mn
Profitability and loan quality
For the year to , HSBC Bank USA earned a return on equity of 10.02%; return on assets: 0.98%. Net interest margin at HSBC Bank USA: 1.64%, +0.00 pp in a year. HSBC Bank USA net income: $822.5 mn, up 25.2% year on year. The efficiency ratio of HSBC Bank USA was 55.36%: about 55 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 1.45% of total loans at HSBC Bank USA; net charge-offs: 0.16% of average loans. Gross loans and leases at HSBC Bank USA: $55.3 bn, down 4.5% in a year.
HSBC Bank USA: profitability
- Return on equity 10%
- Net interest margin 1.6%
- Return on assets 1.0%
Peer group of HSBC Bank USA
The peer group of HSBC Bank USA is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of HSBC Bank USA (national bank), 6 sit in the same size group (over $100 bn) and 0 have head offices in Virginia. Against them, HSBC Bank USA shows CET1 ratio 15.90% against a peer median of 12.05%, return on equity 10.02% against a peer median of 13.52% and uninsured deposit share 71.29% against a peer median of 44.38%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| KeyBank | National bank | OH | $188.6 bn | 12.27% | 12.54% | 51.83% | |
| Ally Bank | State member bank | UT | $188.2 bn | 12.30% | 14.53% | 10.37% | |
| The Northern Trust Company | State member bank | IL | $178.6 bn | 11.83% | 22.34% | 76.66% | |
| HSBC Bank USA | National bank | VA | $173.1 bn | 15.90% | 10.02% | 71.29% | |
| Regions Bank | State member bank | AL | $159.8 bn | 11.58% | 12.86% | 39.23% | |
| Pinnacle Bank | State member bank | TN | $128.8 bn | 10.73% | 9.24% | 49.54% | |
| UBS Bank USA | National bank | UT | $124.4 bn | 26.74% | 14.19% | 37.16% | |
. FDIC Call Reports.
Last eight quarters
Two years at HSBC Bank USA, to : assets +6.1%, deposits +3.7%, equity +4.6%. Staff 1,965 to 1,731.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $163.2 bn | $164.8 bn | $166.2 bn | $169.8 bn | $162.2 bn | $165.3 bn | $167.7 bn | $173.1 bn |
| Total deposits | $136.1 bn | $137.6 bn | $139.4 bn | $140.8 bn | $135.1 bn | $137.5 bn | $135.5 bn | $141.2 bn |
| Bank equity capital | $15.9 bn | $15.7 bn | $16.1 bn | $16.4 bn | $16.5 bn | $16.2 bn | $16.4 bn | $16.6 bn |
| CET1 ratio | 15.92% | 16.44% | 16.46% | 16.51% | 16.34% | 15.92% | 16.04% | 15.90% |
| Return on equity (ROE) | 7.13% | 8.32% | 7.41% | 8.17% | 9.30% | 9.39% | 9.06% | 10.02% |
| Uninsured share of domestic deposits | 67.30% | 68.47% | 67.61% | 68.82% | 67.56% | 68.36% | 70.55% | 71.29% |
| Full-time equivalent employees | 1,965 | 1,970 | 1,979 | 1,942 | 1,881 | 1,712 | 1,698 | 1,731 |
| Number of offices | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by HSBC Bank USA appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of HSBC Bank USA?
HSBC Bank USA reported $173.1 bn at in its Call Report. That makes HSBC Bank USA the 26th largest of 497 banks in our US coverage.
Is HSBC Bank USA the same as its holding company?
No. This page covers HSBC Bank USA, FDIC certificate 57890; HSBC HOLDINGS PLC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is HSBC Bank USA profitable?
HSBC Bank USA reported net income of $822.5 mn for the year to ; annualized return on equity: 10.02%. So yes: HSBC Bank USA made a profit over these months.
When is data for HSBC Bank USA next updated?
Figures from HSBC Bank USA for are due after .
Where can I check the figures for HSBC Bank USA?
In the FDIC BankFind Suite record for certificate 57890, and in the Call Reports of HSBC Bank USA (RSSD ID 413208) at the FFIEC Central Data Repository.