HSBC Bank USA, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
HSBC Bank USA, N.A. is the 26th-largest bank in the United States, with $173.1 billion in assets at June 30, 2026, up 2.0% from a year earlier. It is headquartered in Tysons, Virginia, and operates 41 domestic branches. It keeps 1.59 cents of net interest income on every dollar of earning assets, about half the median of 3.43 cents for the 14 banks with $100 billion to $250 billion in assets. It also holds about two-thirds of its deposits (68%) above the FDIC insurance limit, about double the median of 37.3% for banks its size.
Net income for the quarter rose 25% from a year earlier, to $453 million. Over the same year, loans shrank 4.5% and deposits grew 0.3%.
As of June 30, 2026, HSBC Bank USA, N.A. reported a CET1 capital ratio of 15.90%, a return on assets of 1.05%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 4.89%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1800 Tysons Blvd, Tysons, VA 22102
- County
- Fairfax
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- July 1, 2004
- Offices
- 41 domestic
- Employees (FTE)
- 1,731
- Domestic deposits
- $134.78B
- Allowance for credit losses
- $352.9M
- Net charge-offs (YTD)
- $44.4M
- Average total assets
- $171.96B
- Average total loans
- $54.71B
- Average interest-bearing deposits
- $124.37B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 2004
- FDIC Cert
- 57890
- Fed RSSD
- 413208
- Parent Holding Company
- HSBC USA INC. (RSSD 1020201)
- Ultimate Parent
- HSBC HOLDINGS PLC (RSSD 1857108)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full HSBC Bank USA, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock HSBC Bank USA, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
HSBC Bank USA, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for HSBC Bank USA, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.90% | 1.05% | 1.45% | 4.89% | 1.59% |
| Q1 2026 | 16.04% | 0.89% | 1.42% | 4.84% | 1.65% |
| Q4 2025 | 15.92% | 0.94% | 1.34% | 4.56% | 1.71% |
| Q3 2025 | 16.34% | 1.12% | 1.42% | 5.00% | 1.66% |
| Q2 2025 | 16.51% | 0.85% | 1.68% | 5.94% | 1.63% |
| Q1 2025 | 16.46% | 0.70% | 1.56% | 5.58% | 1.60% |
| Q4 2024 | 16.44% | 1.11% | 1.26% | 4.60% | 1.55% |
| Q3 2024 | 15.92% | 0.55% | 1.36% | 5.01% | 1.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hudson Yards Wealth Center Branch | New York , NY | 10001 | $98.22B |
| Beverly Hills Wealth Center Branch | Beverly Hills , CA | 90210 | $12.49B |
| San Francisco Wealth Center Branch | San Francisco , CA | 94111 | $4.81B |
| Latin America International Center Branch | Miami , FL | 33131 | $3.45B |
| Amherst Wealth Center Branch | Amherst , NY | 14221 | $3.39B |
| Chatham Wealth Center Branch | Chatham , NJ | 07928 | $2.03B |
| Park Avenue Branch | New York , NY | 10022 | $1.57B |
| 802 7th Street Branch | Washington , DC | 20001 | $1.04B |
| New Hyde Park Wealth Center Branch | New Hyde Park , NY | 11040 | $930.4M |
| Bay Parkway Wealth Center Branch | New York City , NY | 11204 | $888.4M |
| Arcadia Branch | Arcadia , CA | 91007 | $870.7M |
| Scarsdale Wealth Center Branch | Scarsdale , NY | 10583 | $810.1M |
| Seattle Wealth Center Branch | Seattle , WA | 98104 | $610.5M |
| Irvine Center Drive Branch | Irvine , CA | 92604 | $584.8M |
| Flushing Wealth Center Branch | Flushing , NY | 11354 | $572.0M |
| Cupertino Office Branch | Cupertino , CA | 95014 | $536.3M |
| Chinatown Wealth Center Branch | New York City , NY | 10013 | $495.8M |
| Bellevue Downtown Wealth Center Branch | Bellevue , WA | 98004 | $437.8M |
| HSBC Bank USA, N.A. (main office) | Tysons , VA | 22102 | $372.4M |
| Aventura Blvd Wealth Center Branch | Aventura , FL | 33180 | $365.9M |
| Fremont Wealth Center Branch | Fremont , CA | 94538 | $296.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 20, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 20, 2008 | Structure Change | Acquired HSBC National Bank USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2005 | Structure Change | Acquired Bank of Bermuda (New York) Limited Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2004 | Structure Change | Acquired HSBC Bank & Trust Company (Delaware), N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2000 | Structure Change | Acquired Republic Bank California National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1999 | Structure Change | Acquired Republic Bank of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 27, 1999 | Structure Change | Acquired First Commercial Bank of Philadelphia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1997 | Structure Change | Acquired First Federal Savings and Loan Association of Rochester Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1995 | Structure Change | Acquired United Northern Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1990 | Structure Change | Acquired Marine Midland (Delaware) N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 1986 | Structure Change | Acquired Westchester Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1976 | Structure Change | Acquired Marine Midland Bank - New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1955 | Structure Change | Acquired Bank of Gowanda Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 24, 1940 | Structure Change | Acquired State Exchange Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 28, 1940 | Structure Change | Acquired Bank of Williamsville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 17 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for HSBC Bank USA, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 12 against the institution (Federal Reserve, OCC); 3 against individuals associated with it
- January 6, 2017, OCC: Civil Money Penalty (CMP): HSBC Bank USA, National Association
- April 12, 2016, OCC: C&D or PC&D Requiring Restitution: HSBC Bank USA, National Association
- April 12, 2016, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): HSBC Bank USA, National Association
- April 12, 2016, OCC: Civil Money Penalty (CMP): HSBC Bank USA, National Association
- June 16, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): HSBC Bank USA, National Association
- Period: Most recent institution action January 6, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in VA, rank 54 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,645 applications, 3,065 loans originated, $3.82B originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.2M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about HSBC Bank USA, N.A.
What are HSBC Bank USA, N.A.'s total assets?
As of the Q2 2026 filing, HSBC Bank USA, N.A. reported total assets of $173.10 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is HSBC Bank USA, N.A. headquartered?
HSBC Bank USA, N.A. is headquartered in Tysons, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was HSBC Bank USA, N.A. founded?
HSBC Bank USA, N.A. was established in 2004, per the FDIC institution directory.
Is HSBC Bank USA, N.A. FDIC-insured?
Yes. HSBC Bank USA, N.A. is an FDIC-insured commercial bank (FDIC Certificate #57890). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates HSBC Bank USA, N.A.?
HSBC Bank USA, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is HSBC Bank USA, N.A.'s CET1 capital ratio?
HSBC Bank USA, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does HSBC Bank USA, N.A. operate?
HSBC Bank USA, N.A. operates 41 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is HSBC Bank USA, N.A.'s Texas Ratio?
HSBC Bank USA, N.A.'s Texas Ratio is 4.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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