TellerScore

Headquartered in Wilmington, Delaware, HSBC Trust Company (Delaware), National Association is a national bank with $57.2M in total assets and $500K in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2005.

Based on its Q2 2026 filing, HSBC Trust Company (Delaware), National Association scores 94/100, which we describe as very strong. That is higher than 96% of 546 banks with under $100 million in assets. Among 17 banks headquartered in Delaware, it ranks 2nd. Its strongest component is capital cushion (100/100; 97.77%), and its lowest is funding & liquidity (61/100; 0% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 97.77%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 4.56%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 50.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).

TellerScore
939495Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202494
Q4 202494
Q1 202594
Q2 202594
Q3 202594
Q4 202594
Q1 202694
Q2 202694
Tier 1 leverage ratio
5.00%51.39%97.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202497.38%
Q3 202496.97%
Q4 202494.20%
Q1 202597.32%
Q2 202597.12%
Q3 202596.82%
Q4 202596.65%
Q1 202697.78%
Q2 202697.77%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
4.53%4.83%5.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20245.13%
Q3 20245.14%
Q4 20245.03%
Q1 20254.70%
Q2 20254.64%
Q3 20254.66%
Q4 20254.75%
Q1 20264.53%
Q2 20264.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$57.2M97.77%0.00%4.56%0.0%
Q1 202694$56.7M97.78%0.00%4.53%0.0%
Q4 202594$56.4M96.65%0.00%4.75%0.0%
Q3 202594$57.4M96.82%0.00%4.66%0.0%
Q2 202594$57.0M97.12%0.00%4.64%0.0%
Q1 202594$56.6M97.32%0.00%4.70%0.0%
Q4 202494$56.5M94.20%0.00%5.03%0.0%
Q3 202494$58.8M96.97%0.00%5.14%0.0%
Q2 202494$58.3M97.38%0.00%5.13%0.0%

546 peers · Under $100 million in assets

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 ratio97.77%
99th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets4.56%
98th
Net interest margin3.84%
48th
Efficiency ratio19.9%
99th
Loans to deposits0.0%
98th
Uninsured deposits50.0%
4th
Loan-loss reserves0.00%
2nd
Texas ratio0.0%
85th

Deposit insurance

Is my money safe at HSBC Trust Company (Delaware), National Association?

Yes. HSBC Trust Company (Delaware), National Association is an FDIC-insured institution (FDIC certificate #58188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.0% of deposits ($250K) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 97.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

HSBC Trust Company (Delaware), National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
HSBC Trust Company (Delaware), National Association
Type
National bank
FDIC certificate #
58188
RSSD ID
3357620
Primary regulator
OCC
Holding company
HSBC Holdings Plc
Established
July 1, 2005
Headquarters
300 Delaware Ave Ste 1401, Wilmington, DE 19801
Employees
2

Quick answers

HSBC Trust Company (Delaware), National Association: common questions

Is HSBC Trust Company (Delaware), National Association FDIC insured?

Yes. HSBC Trust Company (Delaware), National Association is an FDIC-insured institution (FDIC certificate #58188). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is HSBC Trust Company (Delaware), National Association's TellerScore?

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

Has HSBC Trust Company (Delaware), National Association ever failed?

There is no failure record for FDIC certificate #58188 in the FDIC failed bank list.

How many branches does HSBC Trust Company (Delaware), National Association have?

1 office as of the latest FDIC data.

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