BlastPoint's Banking Scorecard
HSBC Trust Company (Delaware), National Association
Micro
Specialty: Other
DE
FDIC cert 58188
Wilmington, DE
2498
banks in Micro tier nationally
6 in DE
View Micro leaderboard (DE) →
HSBC Trust Company (Delaware), National Association demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 3.66% above tier
- + Efficiency Ratio 48.34% below tier
- + Non-Interest-Bearing Deposit Share 77.61% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 2.96% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.4M
-0.1% YoY
-1.7% QoQ
|
-$161.1M |
$217.5M
+2.3% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$499K
-0.2% YoY
-0.2% QoQ
|
-$183.2M |
$183.7M
+1.8% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
4.75%
-5.7% YoY
+1.9% QoQ
|
+3.66% |
1.08%
+14.7% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.51%
-18.0% YoY
-2.3% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
19.38%
+10.9% YoY
+1.2% QoQ
|
-48.34% |
67.73%
-4.8% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
100.00%
0% YoY
0% QoQ
|
+77.61% |
22.39%
-1.3% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
3.52%
+21.6% YoY
+45.3% QoQ
|
+2.96% |
0.56%
+0.3% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.75%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
19.38%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
100.00%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.52%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
100
100th pctile
Return on Assets
Current: 4.75% · Tier avg: 1.08%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 100.00% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Efficiency Ratio
Current: 19.38% · Tier avg: 67.73%
98
98th pctile
Non-Interest Income / Assets
Current: 3.52% · Tier avg: 0.56%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
9
9th pctile
Total Assets
Current: $56.4M · Tier avg: $217.5M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
0
0th pctile
Total Deposits
Current: $499K · Tier avg: $183.7M
Top Weaknesses
0
0th pctile
Total Deposits
Current: $499K · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $56.4M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
98
98th pctile
Non-Interest Income / Assets
Current: 3.52% · Tier avg: 0.56%
100
100th pctile
Efficiency Ratio
Current: 19.38% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 100.00% · Tier avg: 22.39%
100
100th pctile
Return on Assets
Current: 4.75% · Tier avg: 1.08%