Total Assets
$165.3B
Total balance-sheet footings
FDIC Cert #57890 · Tysons, Virginia · Est. 2004
HSBC Bank USA, National Association - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $165.3B
- Total assets
- A
- Health grade · Excellent
- 0.92%
- Return on assets
- 15.9%
- Tier 1 capital
Data updated July 2026
The verdict
HSBC Bank USA, National Association earns a PlainBankData health grade of A (86/100), with well-capitalized at 15.92% Tier 1, 0.92% ROA, efficient (57% cost ratio).
- #26
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 15.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How HSBC Bank USA, National Association's 86/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
HSBC Bank USA, National Association's composite health score
Tier 1 Capital Ratio (15.92%) 40/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (4.40%) 20/20
Efficiency Ratio (56.89%) 12/15
86 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$137.5B
Customer-funded liabilities
Net Loans
$54.0B
Outstanding loan book
Net Income
$1.5B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where HSBC Bank USA, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. HSBC Bank USA, National Association's score of 86/100 falls in the highlighted band.
HSBC Bank USA, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). HSBC Bank USA, National Association's $165.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.92%
Texas Ratio
4.40%
Equity Capital
$16.2B
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
9.39%
Efficiency Ratio
56.89%
What the numbers say about HSBC Bank USA, National Association
HSBC Bank USA, National Association is an FDIC-insured institution (Certificate #57890) headquartered in Tysons, Virginia, established in 2004. It holds $165.3B in total assets - 26th of 4,313 FDIC-insured banks, $137.5B in customer deposits, and $54.0B in net loans. Looking at capital strength, Tier 1 stands at 15.92%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.40%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (86/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
HSBC Bank USA, National Association's asset base places it among the largest FDIC-insured institutions in the country, 26th of 4,313 nationally, and 2nd of 56 banks headquartered in Virginia. Only Capital One ($658.5B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$7.1B
Interest Income
$1.9B
Non-Interest Income
$2.6B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. HSBC Bank USA, National Association reports a Texas Ratio of 4.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Virginia by total assets
National size peers: banks closest to HSBC Bank USA, National Association by assets
HSBC Bank USA, National Association is closely matched in total assets by Regions Bank, The Northern Trust Company, KeyBank, Ally Bank across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.59%, versus HSBC Bank USA, National Association's own 0.92%; the average efficiency ratio is 53.86%, versus 56.89% here; and average Tier 1 capital sits at 14.83%, versus 15.92% at HSBC Bank USA, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $165.3B in assets, HSBC Bank USA, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| HSBC Bank USA, National Association (this bank) | VA | $165.3B | 0.92% | 56.89% | 15.92% |
| Regions Bank | AL | $157.4B | 1.43% | 55.16% | 11.72% |
| The Northern Trust Company | IL | $176.4B | 1.02% | 70.92% | 12.07% |
| KeyBank National Association | OH | $181.7B | 1.17% | 55.67% | 12.75% |
| Ally Bank | UT | $184.6B | 0.91% | 49.98% | 12.50% |
| UBS Bank USA | UT | $119.3B | 1.13% | 22.83% | 28.98% |
| American Express National Bank | UT | $211.3B | 3.89% | 68.58% | 10.94% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) HSBC Bank USA, National Association (FDIC Cert #57890) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National AssociationMclean | $658.5B | B | 0.55% |
| Atlantic Union BankRichmond City | $37.5B | A | 0.99% |
| United BankFairfax | $33.5B | A | 1.50% |
| TowneBankPortsmouth | $19.7B | B | 0.90% |
| Burke & Herbert Bank & Trust CompanyAlexandria | $7.9B | A | 1.69% |
| Carter Bank & TrustMartinsville | $4.8B | D | 0.72% |
| The First Bank and Trust CompanyLebanon | $4.2B | A | 1.62% |
| Primis BankTappahannock | $4.0B | B | 1.13% |
Frequently asked questions
What is HSBC Bank USA, National Association's health grade?▼
HSBC Bank USA, National Association receives a health grade of A (86/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is HSBC Bank USA, National Association?▼
HSBC Bank USA, National Association holds $165.3B in total assets and $137.5B in deposits, ranking 26th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tysons, Virginia.
Is my money safe at HSBC Bank USA, National Association?▼
Yes, deposits at HSBC Bank USA, National Association (Certificate #57890) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is HSBC Bank USA, National Association's Tier 1 Capital Ratio?▼
HSBC Bank USA, National Association has a Tier 1 Capital Ratio of 15.92%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for HSBC Bank USA, National Association?▼
HSBC Bank USA, National Association has a Texas Ratio of 4.40%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is HSBC Bank USA, National Association?▼
HSBC Bank USA, National Association has an Efficiency Ratio of 56.89%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read HSBC Bank USA, National Association's profile as a depositor or analyst.
- HSBC Bank USA, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare HSBC Bank USA, National Association against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.