HSBC Trust Company (Delaware), N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
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.
Community bank leverage ratio 97.77% +88.77 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $55.7M | 55,679 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $56.9M | 56,949 | RCOAA224 |
| Recomputed ratio | 97.77% | numerator / denominator | |
| Filed ratio | 97.77% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +88.77 pp | $50.6M | 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 | 50,101 | 50,101 | 50,101 | 50,101 | 50,101 | 50,101 | RCOAP742 |
| Retained earnings | 5,578 | 5,323 | 5,083 | 5,375 | 5,203 | 5,051 | RCOAKW00 |
| Accumulated other comprehensive income | 0 | 0 | 0 | 0 | 0 | 0 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 55,679 | 55,424 | 55,184 | 55,476 | 55,304 | 55,152 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 0 | 0 | 0 | 0 | 0 | 0 | P859 - P840 |
| Common equity Tier 1 capital | 55,679 | 55,424 | 55,184 | 55,476 | 55,304 | 55,152 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 55,679 | 55,424 | 55,184 | 55,476 | 55,304 | 55,152 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 56,949 | 56,681 | 57,099 | 57,299 | 56,945 | 56,668 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
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 | CBLR | NA | NA | NA | 97.77% | 22.08% | 22.08% | 23.06% | 13.06% |
| 1Q26 | CBLR | NA | NA | NA | 97.78% | 22.52% | 22.52% | 23.43% | 13.02% |
| 4Q25 | CBLR | NA | NA | NA | 96.65% | 21.73% | 21.73% | 22.73% | 13.18% |
| 3Q25 | CBLR | NA | NA | NA | 96.82% | 21.77% | 21.77% | 22.80% | 13.28% |
| 2Q25 | CBLR | NA | NA | NA | 97.12% | 22.20% | 22.20% | 23.15% | 13.00% |
| 1Q25 | CBLR | NA | NA | NA | 97.32% | 21.99% | 21.99% | 22.93% | 12.89% |
| 4Q24 | CBLR | NA | NA | NA | 94.20% | 21.43% | 21.43% | 22.37% | 12.92% |
| 3Q24 | CBLR | NA | NA | NA | 96.97% | 21.38% | 21.38% | 22.41% | 12.89% |
| 2Q24 | CBLR | NA | NA | NA | 97.38% | 20.76% | 20.76% | 21.89% | 12.82% |
| 1Q24 | CBLR | NA | NA | NA | 97.52% | 20.90% | 20.90% | 22.17% | 12.66% |
| 4Q23 | CBLR | NA | NA | NA | 97.46% | 20.52% | 20.52% | 21.59% | 12.60% |
| 3Q23 | CBLR | NA | NA | NA | 97.74% | 20.70% | 20.70% | 21.86% | 12.73% |
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 Trust Company (Delaware), N.A. (this bank) | CBLR | NA | NA | NA | 97.77% | |
| Farmers State Bank, Allen, Oklahoma | $57.2M | CBLR | NA | NA | NA | 13.52% |
| Fortuna Bank | $57.3M | CBLR | NA | NA | NA | 34.14% |
| The Fairmount State Bank | $57.0M | CBLR | NA | NA | NA | 12.68% |
| The First National Bank in Cooper | $57.3M | CBLR | NA | NA | NA | 13.12% |
| Amistad Bank | $57.0M | CBLR | NA | NA | NA | 15.29% |
| Asian Pacific National Bank | $56.9M | CBLR | NA | NA | NA | 20.07% |
| Citizens State Bank of Milford | $56.9M | Risk-based | 13.35% | 13.35% | 13.71% | 9.11% |
| United Minnesota Bank | $56.9M | Risk-based | 11.86% | 11.86% | 12.91% | 7.78% |
| The First National Bank of Brownstown | $57.4M | Risk-based | 26.84% | 26.84% | 28.10% | 11.25% |
| Crowell State Bank | $57.5M | CBLR | NA | NA | NA | 10.99% |
| Peer 25th percentile | 12.60% | 12.60% | 13.31% | 11.05% | ||
| Peer median | 13.35% | 13.35% | 13.71% | 12.90% | ||
| Peer 75th percentile | 20.10% | 20.10% | 20.91% | 14.85% | ||
| This bank's percentile | NA | NA | NA | 100 |
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/3357620/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.