HSBC Bank USA, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.29% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 11.29% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.90% +9.40 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $16.02B | 16,024,511 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $100.80B | 100,795,741 | RCFAA223 |
| Recomputed ratio | 15.90% | numerator / denominator | |
| Filed ratio | 15.90% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +9.40 pp | $9.47B | capital that could be lost first |
Tier 1 risk-based capital ratio 17.39% +9.39 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $17.52B | 17,524,511 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $100.80B | 100,795,741 | RCFAA223 |
| Recomputed ratio | 17.39% | numerator / denominator | |
| Filed ratio | 17.39% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +9.39 pp | $9.46B | capital that could be lost first |
Total risk-based capital ratio 19.29% +9.29 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $19.44B | 19,442,983 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $100.80B | 100,795,741 | RCFAA223 |
| Recomputed ratio | 19.29% | numerator / denominator | |
| Filed ratio | 19.29% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.29 pp | $9.36B | capital that could be lost first |
Tier 1 leverage ratio 10.22% +5.22 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $17.52B | 17,524,511 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $171.47B | 171,474,424 | RCFAA224 |
| Recomputed ratio | 10.22% | numerator / denominator | |
| Filed ratio | 10.22% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.22 pp | $8.95B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 12,998,312 | 13,000,397 | 13,014,649 | 13,022,401 | 13,033,123 | 13,036,911 | RCFAP742 |
| Retained earnings | 3,512,620 | 3,389,076 | 3,048,642 | 3,487,368 | 3,548,727 | 3,218,475 | RCFAKW00 |
| Accumulated other comprehensive income | (1,408,671) | (1,450,232) | (1,362,651) | (1,555,304) | (1,676,476) | (1,654,761) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 15,102,261 | 14,939,241 | 14,700,640 | 14,954,465 | 14,905,374 | 14,600,625 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 922,250 | 963,443 | 871,490 | 1,065,347 | 1,185,663 | 1,161,169 | P859 - P840 |
| Common equity Tier 1 capital | 16,024,511 | 15,902,684 | 15,572,130 | 16,019,812 | 16,091,037 | 15,761,794 | RCFAP859 |
| Additional Tier 1 capital | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 | 1,500,000 | RCFAP865 |
| Tier 1 capital | 17,524,511 | 17,402,684 | 17,072,130 | 17,519,812 | 17,591,037 | 17,261,794 | RCFA8274 |
| Tier 2 capital | 1,918,472 | 1,988,047 | 1,955,042 | 2,000,565 | 2,101,098 | 2,133,466 | RCFA5311 |
| Allowance includable in Tier 2 capital | 477,678 | 547,253 | 514,248 | 559,771 | 660,304 | 692,672 | RCFA5310 |
| Total capital | 19,442,983 | 19,390,731 | 19,027,172 | 19,520,377 | 19,692,135 | 19,395,260 | RCFA3792 |
| Total risk-weighted assets | 100,795,741 | 99,158,700 | 97,826,887 | 98,049,934 | 97,476,510 | 95,736,540 | RCFAA223 |
| Average total assets for the leverage ratio | 171,474,424 | 166,042,842 | 166,161,198 | 168,044,577 | 168,897,542 | 168,707,964 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $24.67B | $365.1M | 1.48% | 0.36% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $54.93B | $1.25B | 2.27% | 1.24% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $579.6M | $204.4M | 35.26% | 0.20% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $19.96B | $10.57B | 52.95% | 10.48% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $568.3M | $852.4M | 150.00% | 0.85% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $28.53B | $28.17B | 98.76% | 27.95% | RC-R Part II, item 4.d, 5.d |
| Trading assets | $1.25B | $910.6M | 72.87% | 0.90% | RC-R Part II, item 7 |
| All other assets | $6.44B | $6.54B | 101.55% | 6.49% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $55K | $688K | 1250.00% | 0.00% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $50.53B | $44.04B | 87.15% | 43.69% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $7.87B | $3.63B | 46.16% | 3.60% | RC-R Part II, item 20, 21 |
| Unsettled transactions | $8.1M | $9.9M | 123.31% | 0.01% | RC-R Part II, item 22 |
| Market risk and other approaches | NA | $4.26B | NA | 4.22% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $96.54B | ties to item 31 ($96.54B) |
|---|---|---|
| Risk-weighted assets before deductions | $100.80B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $100.80B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.90% | 17.39% | 19.29% | 10.22% | 12.29% | 12.29% | 13.89% | 9.51% |
| 1Q26 | Risk-based | 16.04% | 17.55% | 19.56% | 10.48% | 12.54% | 12.54% | 14.17% | 9.60% |
| 4Q25 | Risk-based | 15.92% | 17.45% | 19.45% | 10.27% | 12.55% | 12.55% | 14.29% | 9.77% |
| 3Q25 | Risk-based | 16.34% | 17.87% | 19.91% | 10.43% | 12.89% | 12.89% | 14.56% | 9.72% |
| 2Q25 | Risk-based | 16.51% | 18.05% | 20.20% | 10.42% | 12.88% | 12.88% | 14.61% | 9.80% |
| 1Q25 | Risk-based | 16.46% | 18.03% | 20.26% | 10.23% | 12.91% | 12.91% | 14.38% | 9.67% |
| 4Q24 | Risk-based | 16.44% | 18.03% | 20.18% | 10.16% | 12.94% | 12.94% | 14.47% | 9.48% |
| 3Q24 | Risk-based | 15.92% | 17.46% | 19.57% | 10.55% | 12.54% | 12.54% | 14.32% | 9.52% |
| 2Q24 | Risk-based | 16.29% | 17.83% | 19.96% | 10.84% | 12.81% | 12.81% | 14.59% | 9.45% |
| 1Q24 | Risk-based | 16.38% | 17.95% | 20.15% | 10.54% | 12.26% | 12.26% | 13.99% | 9.15% |
| 4Q23 | Risk-based | 16.14% | 17.71% | 19.93% | 10.15% | 12.18% | 12.18% | 13.85% | 9.22% |
| 3Q23 | Risk-based | 16.84% | 18.39% | 20.58% | 10.83% | 11.81% | 11.81% | 13.54% | 9.05% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| HSBC Bank USA, N.A. (this bank) | Risk-based | 15.90% | 17.39% | 19.29% | 10.22% | |
| The Northern Trust Company | $178.57B | Risk-based | 11.83% | 11.83% | 13.90% | 6.84% |
| Regions Bank | $159.79B | Risk-based | 11.58% | 11.58% | 13.22% | 9.50% |
| Ally Bank | $188.18B | Risk-based | 12.30% | 12.30% | 13.57% | 9.60% |
| KeyBank N.A. | $188.56B | Risk-based | 12.27% | 12.27% | 14.05% | 9.92% |
| American Express National Bank | $213.95B | Risk-based | 10.86% | 10.86% | 12.99% | 8.84% |
| Pinnacle Bank | $128.79B | Risk-based | 10.73% | 10.73% | 11.83% | 8.97% |
| Manufacturers and Traders Trust Company | $218.79B | Risk-based | 11.81% | 11.81% | 13.87% | 9.51% |
| UBS Bank USA, N.A. | $124.44B | Risk-based | 26.74% | 26.74% | 27.05% | 8.08% |
| Synchrony Bank | $115.22B | Risk-based | 14.35% | 14.35% | 16.46% | 12.56% |
| Peer 25th percentile | 11.58% | 11.58% | 13.22% | 8.84% | ||
| Peer median | 11.83% | 11.83% | 13.87% | 9.50% | ||
| Peer 75th percentile | 12.30% | 12.30% | 14.05% | 9.60% | ||
| This bank's percentile | 89 | 89 | 89 | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/413208/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.