FDIC Cert #58188 · Wilmington, Delaware · Est. 2005

HSBC Trust Company (Delaware), National Association - FDIC Bank Health Profile

A community-scale look at HSBC Trust Company (Delaware), National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$56M
Total assets
A
Health grade · Excellent
4.75%
Return on assets
96.6%
Tier 1 capital

Data updated July 2026

The verdict

HSBC Trust Company (Delaware), National Association earns a PlainBankData health grade of A (100/100), with well-capitalized at 96.65% Tier 1, profitable at 4.75% ROA, efficient (19% cost ratio).

#4,080
largest of 4,313 FDIC banks by assets
5th
percentile by asset size, nationally
96.65%
Tier 1 ratio - above the 10% well-capitalized line
99th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 58188 · DE A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-RICH

  • GRADE-A A (100/100)
  • TOP-DECILE #150/4307
  • PHOTO-FINISH Column National Asso… · CA
  • TIER1-WELL 96.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 4.75% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-RICH 8/9 fields

Nearest health peer outside Delaware: Column National Association, 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 Trust Company (Delaware)

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

American Plus Bank,… · CA · …100/100Ameriprise Bank, FSB · MN · …100/100Bank of Grand Lake · OK · ne…100/100Column National Asso… · CA ·…100/100HSBC Trust Company (… · DE ·…100/100Morgan Stanley Bank,… · UT ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around HSBC Trust Company (Delaware) · July 2026

Plate reading for HSBC Trust Company (Delaware) where failures stay rare

HSBC Trust Company (Delaware), National Association (FDIC Cert #58188) carries a PlainBankData health grade of A at 100/100, 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 #150 of 4,307. Tier 1 capital prints at 96.65%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 4.75%. Balance-sheet scale is $56M, 4,080th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Column National Association (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 Trust Company (Delaware)

Zero FAILURE resolutions in Delaware since 2000

HSBC Trust Company (Delaware), National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST REPUBLICBANK DELAWARE NEWARK, DE 1988 → CITIBANK DELAWARE

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

How HSBC Trust Company (Delaware), National Association's 100/100 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 avg77/100100/100
HSBC Trust Company (Delaware), National Association's composite health score
Tier 1 Capital Ratio (96.65%) 40/40
Return on Assets (ROA) (4.75%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (19.38%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$56M

Total balance-sheet footings

Total Deposits

$499K

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 20% 40% 60% 80% 100% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 95.25% 96.65% 98.05%
Basel III capital ratios - HSBC Trust Company (Delaware), National Association

Where HSBC Trust Company (Delaware), National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. HSBC Trust Company (Delaware), National Association's score of 100/100 falls in the highlighted band.

HSBC Trust Company (Delaware), National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 3% higher than 97% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. HSBC Trust Company (Delaware) 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 Trust Company (Delaware), 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 Trust Company (Delaware), National Association's $56M falls in the highlighted band.

Safety metrics: HSBC Trust Company (Delaware)

Tier 1 capital ratio
Well-capitalized 10%

96.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
96.65%
Texas Ratio
0.00%
Equity Capital
$55M

What these ratios mean →

Earnings posture at HSBC Trust Company (Delaware)

Return on Assets (ROA)
99th percentile nationally
4.75%
Return on Equity (ROE)
4.88%
Efficiency Ratio
19.38%

What these mean →

Income & expense at HSBC Trust Company (Delaware)

$2M
Interest Income
$2M
Non-Interest Income
$859K
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. HSBC Trust Company (Delaware), National Association reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View HSBC Trust Company (Delaware), National Association on FDIC BankFind →

Top banks in Delaware by total assets

Largest banks headquartered in Delaware
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($56M here), outside Delaware so the neighborhood is not state containment.

The Security State Bank $56M · KS Grove Bank $57M · MN The Waterford Commercial and Savings… $56M · OH First Community Bank, Xenia-Flora $56M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) HSBC Trust Company (Delaware), National Association (FDIC Cert #58188) - 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 Trust Company (Delaware), National Association Call Report profile · FDIC Failed Bank List · Delaware FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Delaware

All Delaware banks →
BankAssetsGradeROA
PNC Bank, National AssociationWilmington $568.3B A 1.30%
TD Bank, National AssociationWilmington $346.2B A 0.54%
Santander Bank, N.A.Wilmington $104.1B A 1.36%
Barclays Bank DelawareWilmington $47.6B B 0.87%
TD Bank USA, National AssociationWilmington $34.6B A 1.16%
Wilmington Savings Fund Society, FSBWilmington $21.2B A 1.43%
Comenity BankWilmington $7.8B A 4.91%
Wilmington Trust, National AssociationWilmington $773M A 7.95%