TellerScore

HSBC Bank USA, National Association is a national bank headquartered in Tysons, Virginia, in business for about 22 years. At the end of Q2 2026 it reported $173.1B in total assets and $141.2B in deposits, with 41 offices across 8 states.

HSBC Bank USA, National Association has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 32 banks with over $100 billion. Among 56 banks headquartered in Virginia, it ranks 50th. Problem-loan coverage contributes the most (90/100, 4.8%); funding & liquidity contributes the least (50/100, 39% loans-to-deposits, 68% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.22%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.45%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 38.9% · 68.1% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (54 → 57), mostly because the loan quality component improved by 8 points.

TellerScore
545658Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202456
Q4 202457
Q1 202554
Q2 202554
Q3 202557
Q4 202558
Q1 202658
Q2 202657
Tier 1 leverage ratio
5.00%7.92%10.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.84%
Q3 202410.55%
Q4 202410.16%
Q1 202510.23%
Q2 202510.42%
Q3 202510.43%
Q4 202510.27%
Q1 202610.48%
Q2 202610.22%
Noncurrent loans
1.26%1.47%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.41%
Q3 20241.36%
Q4 20241.26%
Q1 20251.56%
Q2 20251.68%
Q3 20251.42%
Q4 20251.34%
Q1 20261.42%
Q2 20261.45%
Return on assets
0.69%0.83%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.69%
Q4 20240.80%
Q1 20250.71%
Q2 20250.79%
Q3 20250.91%
Q4 20250.92%
Q1 20260.89%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$173.1B10.22%1.45%0.98%38.9%
Q1 202658$167.7B10.48%1.42%0.89%40.7%
Q4 202558$165.3B10.27%1.34%0.92%39.2%
Q3 202557$162.2B10.43%1.42%0.91%42.1%
Q2 202554$169.8B10.42%1.68%0.79%40.8%
Q1 202554$166.2B10.23%1.56%0.71%40.9%
Q4 202457$164.8B10.16%1.26%0.80%41.1%
Q3 202456$163.2B10.55%1.36%0.69%42.4%
Q2 202457$159.0B10.84%1.41%0.76%42.9%

32 peers · Over $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.22%
77th
Total risk-based capital19.29%
87th
Problem loans1.45%
10th
Net charge-offs0.16%
81st
Return on assets0.98%
16th
Net interest margin1.64%
10th
Efficiency ratio55.4%
45th
Loans to deposits38.9%
87th
Uninsured deposits68.1%
6th
Loan-loss reserves0.64%
26th
Texas ratio4.8%
42nd

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Capital One, National AssociationBank Mclean, VA66 out of 100, Moderate$662.2B10.6%1.49%vs

Deposit insurance

Is my money safe at HSBC Bank USA, National Association?

Yes. HSBC Bank USA, National Association is an FDIC-insured institution (FDIC certificate #57890). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 68.1% of deposits ($96.1B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.29% (benchmark: 10%).

Check how much of your own balance is covered

41 locations

Branches

HSBC Bank USA, National Association lists 40 offices in 31 cities across 8 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, HSBC Bank USA, National Association reported 4,181 home-loan applications under HMDA (LEI 1IE8VN30JCEQV1H4R804): 3,065 originated ($3,822,955,000 total), 325 denied, and 750 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
HSBC Bank USA, National Association
Type
National bank
FDIC certificate #
57890
RSSD ID
413208
Primary regulator
OCC
Holding company
HSBC Holdings Plc
Established
July 1, 2004
Headquarters
1800 Tysons Blvd, Tysons, VA 22102
Employees
1,731

Quick answers

HSBC Bank USA, National Association: common questions

Is HSBC Bank USA, National Association FDIC insured?

Yes. HSBC Bank USA, National Association is an FDIC-insured institution (FDIC certificate #57890). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is HSBC Bank USA, National Association's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has HSBC Bank USA, National Association ever failed?

There is no failure record for FDIC certificate #57890 in the FDIC failed bank list.

How many branches does HSBC Bank USA, National Association have?

41 offices as of the latest FDIC data, in 8 states.

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