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HSBC Bank USA, National Association
Tysons, VA·FDIC Cert #57890·Charter: OCC·Est. 20040701.0·HC: HSBC HOLDINGS PLC
Total Assets
$165.3B
Q4 2025
Return on Assets
0.92%
+0.01%Peer avg: 1.20%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.89%
Peer avg: 52.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.92%+0.01
ROE
9.39%+0.09
Efficiency
56.89%+0.35
Equity/Assets
0.00%+0.00
NPL Ratio
1.35%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
39.23%-2.88
Charge-offs
0.25%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.7 | 0.8 | 0.7 | 0.8 | 0.9 | 0.9 |
| ROE | 8.6 | 7.9 | 7.1 | 8.3 | 7.4 | 8.2 | 9.3 | 9.4 |
| Efficiency | 61.6 | 61.8 | 61.7 | 59.4 | 55.9 | 57.4 | 56.5 | 56.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.5 | 1.4 | 1.4 | 1.3 | 1.6 | 1.7 | 1.4 | 1.4 |
| Charge-offs | 0.0 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 40.8 | 42.9 | 42.4 | 41.1 | 40.9 | 40.8 | 42.1 | 39.2 |
Balance Sheet
Total Assets$165.3B
Total Deposits$137.5B
Total Loans$54.0B
Total Equity$16.2B
Profitability
ROA0.92%
ROE9.39%
Efficiency Ratio56.89%
Net Income$1.5B
Risk & Asset Quality
NPL Ratio1.35%
Charge-off Rate0.25%
Loan/Deposit39.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans