HSBC Bank USA, N.A.
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Data as of · sourced from FFIEC call reports. How we update
HSBC Bank USA, N.A. is an FDIC-insured commercial bank headquartered in Tysons, VA, supervised by the OCC, with $173.10B in total assets at Q2 2026, up 2.0% from Q2 2025, the 2nd largest of 56 banks headquartered in Virginia. It was established in 2004 and holds FDIC certificate 57890. Its CET1 capital ratio was 15.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57890
- Headquarters
- Tysons, VA
- Established
- 2004
- Total assets, Q2 2026
- $173.10B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 15.90%
- Domestic offices
- 22 · HSBC Bank USA, N.A. branches FDIC institution directory, current count
- Routing number
- 021001088
- Safety and soundness
- Is HSBC Bank USA, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 031 · HSBC Bank USA, N.A. call report
- Holding company
- HSBC USA INC.
- Asset rank in state
- 2nd of 56 in Virginia
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 22 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%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, HSBC Bank USA, N.A. is the 2nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $173.10B, loans fell 0.4% and deposits rose 4.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 38.6% of total loans, ahead of 1-4 family residential loans at 36.1%. The FDIC Summary of Deposits lists 21 offices for it, in 19 cities across 7 states; its New York 2 offices book 74% of its branch deposits. On its Q2 2026 call report, HSBC Bank USA, N.A. meets every capital ratio test for well capitalized.
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
- Domestic offices
- 22 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, HSBC Bank USA, N.A.'s total assets ranged from $159.05B (Q2 2024) to $173.10B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$173.10B total assets against $169.75B; $156.50B total liabilities against $153.35B.
$54.99B net loans and leases against $57.39B; $141.19B total deposits against $140.81B.
$53.43B securities against $47.71B; $24.67B cash and balances due against $28.90B.
$1.64B total interest income against $1.82B; $986.3M total interest expense against $1.16B.
$655.1M net interest income against $655.0M.
$548.7M total noninterest income against $478.7M; $669.9M total noninterest expense against $666.7M.
-$38.7M provision for credit losses against $18.5M.
$453.0M net income against $362.1M.
1.05% return on assets against 0.85%; 1.59% net interest margin against 1.63%.
15.90% CET1 capital ratio against 16.51%; 10.22% tier 1 leverage ratio against 10.42%.
Inside the full HSBC Bank USA, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 26 of 4,196, for total assets; its furthest is 2,381 of 3,611, for ROA.
Metric pages for HSBC Bank USA, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.55% (Q3 2024) to 1.12% (Q3 2025) and its net interest margin ran from 1.52% (Q3 2024) to 1.71% (Q4 2025).
| 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
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 102 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is HSBC Bank USA, N.A. headquartered?
It is headquartered in Tysons, VA, United States.
When was HSBC Bank USA, N.A. founded?
It was established in 2004, per the FDIC institution directory.
Is HSBC Bank USA, N.A. FDIC-insured?
Yes. It 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.
What is HSBC Bank USA, N.A.'s CET1 capital ratio?
It 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?
It operates 22 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?
Its Texas Ratio is 4.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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