BlastPoint's Banking Scorecard
HSBC Bank USA, National Association
Large
Specialty: Other
VA
FDIC cert 57890
Tysons, VA
69
banks in Large tier nationally
3 in VA
View Large leaderboard (VA) →
HSBC Bank USA, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 42.48% below tier
- + Tier 1 Capital Ratio 4.12% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 25% in Large
- - Net Interest Margin 1.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$165.3B
+0.3% YoY
+1.9% QoQ
|
+$90.4B |
$74.9B
-4.4% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$54.0B
-4.7% YoY
-5.2% QoQ
|
+$7.5B |
$46.4B
-2.1% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$137.5B
-0.1% YoY
+1.8% QoQ
|
+$77.0B |
$60.5B
-4.5% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.92%
+14.4% YoY
+1.1% QoQ
|
-0.28% |
1.19%
+17.8% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
1.68%
+12.3% YoY
+1.0% QoQ
|
-1.78% |
3.46%
+13.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
56.89%
-4.2% YoY
+0.6% QoQ
|
+1.86% |
55.03%
-2.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
1.35%
+6.8% YoY
-5.8% QoQ
|
+0.48% |
0.88%
-0.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
39.23%
-4.6% YoY
-6.8% QoQ
|
-42.48% |
81.72%
+3.9% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.22%
-7.0% YoY
-9.1% QoQ
|
-2.75% |
19.97%
+0.5% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.45%
+1.3% YoY
-12.2% QoQ
|
-0.11% |
0.55%
+9.0% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
17.45%
-3.2% YoY
-2.3% QoQ
|
+4.12% |
13.33%
-0.7% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
1.15%
-8.3% YoY
+27.9% QoQ
|
+0.06% |
1.09%
+2.4% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 4%
in Large
Why this stands out
Current:
39.23%
(Tier avg: 81.72%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 9%
in Large
Why this stands out
Current:
17.45%
(Tier avg: 13.33%, National avg: 9.75%)
Concerns (2)
Flatlined Growth
risk
#5 of 17 · Bottom 25% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.92%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 6%
in Large
Why this stands out
Current:
1.68%
(Tier avg: 3.46%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 39.23% · Tier avg: 81.72%
91
91th pctile
Tier 1 Capital Ratio
Current: 17.45% · Tier avg: 13.33%
87
87th pctile
Total Assets
Current: $165.3B · Tier avg: $74.9B
87
87th pctile
Total Deposits
Current: $137.5B · Tier avg: $60.5B
75
75th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 1.09%
74
74th pctile
Total Loans
Current: $54.0B · Tier avg: $46.4B
57
57th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.55%
40
40th pctile
Efficiency Ratio
Current: 56.89% · Tier avg: 55.03%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 17.22% · Tier avg: 19.97%
22
22th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.19%
20
20th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.88%
6
6th pctile
Net Interest Margin
Current: 1.68% · Tier avg: 3.46%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 1.68% · Tier avg: 3.46%
20
20th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.88%
22
22th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.19%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 17.22% · Tier avg: 19.97%
40
40th pctile
Efficiency Ratio
Current: 56.89% · Tier avg: 55.03%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.55%
74
74th pctile
Total Loans
Current: $54.0B · Tier avg: $46.4B
75
75th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 1.09%
87
87th pctile
Total Deposits
Current: $137.5B · Tier avg: $60.5B
87
87th pctile
Total Assets
Current: $165.3B · Tier avg: $74.9B
91
91th pctile
Tier 1 Capital Ratio
Current: 17.45% · Tier avg: 13.33%
96
96th pctile
Loan-to-Deposit Ratio
Current: 39.23% · Tier avg: 81.72%