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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 57890 · VA A · 86/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (86/100)
  • MID-PACK #1295/4307
  • PHOTO-FINISH Bank Irvine · CA
  • TIER1-WELL 15.9% Tier 1
  • TEXAS-CLEAN 4.4% Texas
  • ROA-PAR 0.92% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Bank Irvine, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around HSBC Bank USA

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Irvine · CA · near86/100Colorado Federal Sav… · CO ·…86/100Community Bank of th… · FL ·…86/100El Dorado Savings Ba… · CA ·…86/100HSBC Bank USA, Natio… · VA ·…86/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around HSBC Bank USA · July 2026

What HSBC Bank USA's Call Report plate shows

HSBC Bank USA, National Association (FDIC Cert #57890) carries a PlainBankData health grade of A at 86/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,295 of 4,307. Tier 1 capital prints at 15.92%, clearing the 10% well-capitalized line. The Texas Ratio is 4.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $165.3B, 26th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank Irvine (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around HSBC Bank USA

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

HSBC Bank USA, National Association's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; HSBC Bank USA, National Association remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

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.

0/100100/100National avg77/10086/100
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 Assets

$165.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.52% 15.92% 17.32%
Basel III capital ratios - HSBC Bank USA, National Association

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

86 Top 30% higher than 70% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. HSBC Bank USA 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for HSBC Bank USA

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

What these ratios mean →

Profitability metrics: HSBC Bank USA

Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
9.39%
Efficiency Ratio
56.89%

What these mean →

Income & expense at HSBC Bank USA

$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.

FDIC Failed Bank List → View HSBC Bank USA, National Association on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to HSBC Bank USA, National Association nationally by total assets
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    KeyBank $181.7B

    Cleveland, OH · Grade A

  4. 4
    Ally Bank $184.6B

    Sandy, UT · Grade A

  5. 5
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  6. 6
    American Express National Bank $211.3B

    Sandy, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($165.3B here), outside Virginia so the neighborhood is not state containment.

Regions Bank $157.4B · AL The Northern Trust Company $176.4B · IL KeyBank $181.7B · OH Ally Bank $184.6B · UT

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.

HSBC Bank USA, National Association Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
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%